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1.1.5 Pleadings, Primary Sources, and Practice Tools

In addition to the sample pleadings found in Appendices D and E, infra, described in § 1.1.4, supra, over seventy other sample pleadings are available in conjunction with this treatise’s digital edition, and are listed at the bottom of its table of contents under “Pleadings and Discovery.” The digital pleadings include all the sample pleadings found in the appendices and additional pleadings related to wrongful repossessions, defective sale notices, bankruptcy, automobile pawns, forced placed insurance, attorney fee requests, cosigners, and other repossession issues. Over 2000 additional pleadings are available online as part of NCLC’s Consumer Law Pleadings.

Most pleadings are available in Microsoft Word format, and can be edited, copied, downloaded, or printed. To allow for rapid preview, all pleadings are also available in Adobe Acrobat (PDF) format. Pleadings also can be located through searches, using the standard search box. Results can be narrowed to show only pleadings. Additional filters allow one to locate pleadings by specific pleading type, subject matter, and legal claim.

The digital edition of this treatise also contains other timesaving and helpful aids. Federal materials available digitally as “Primary Sources” include twenty Federal Trade Commission (FTC) staff letters interpreting the Commission’s Credit Practices Rule; regulations concerning the repossession of manufactured homes; guidance and interpretations by the FTC and the Consumer Financial Protection Bureau (CFPB) regarding the application of the Fair Debt Collection Practices Act to repossessions; and a manual written by the military on the Servicemembers Civil Relief Act. As with the pleadings, these documents can all be searched, copied, downloaded, or printed. When using the search function to locate these materials, it is recommended to filter the search to include only Primary Sources and to use filters within Primary Sources.

Credit math software is found under Practice Tools. Included are two different programs, one for transactions with regular payments and one for transactions with irregular monthly payments.