Search
Iowa AG Request for Injunction re Real-Estate-Secured Loans
East St. Louis Ordinance Rescinding Private Right of Action in Land Installment Sales
Judgment and Order for Injunction Against Auto Lender (Michigan v. Liquidation, LLC)
Rehabilitation Training Program Deferment Request
DOE Addendum to HEA Offset Agreement (June 2016)
DOE Letter Requesting Additional Documentation to Grant Offset
Complaint Against For-Profit School for Debt Enforceability and Offset Certification
Sample TILA Rescission Notice (Short Version)
This is a sample short TILA rescission notice that lists specific violations. TILA requires only a bare bones letter, which does not need to have as much explanation as this letter. The Rescission Model Forms in TILA Regulation Z are shorter still, merely stating "I wish to cancel," and signed and dated by the consumer. However, the practitioner may include the specific violations for strategic reasons. This version does so and includes additional text that is recommended when specific violations are alleged.
Sample TILA Rescission Notice (Version with Alternative Tender Paragraphs)
TILA requires only a bare bones letter, which does not need to have as much explanation as this sample rescission letter. The Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer. However, the practitioner may include the specific violations for strategic reasons.
Sample TILA Rescission Notice (Detailed Version)
This rescission letter is quite detailed. Truth in Lending does not require this type of completeness-- the Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer. But such a letter may be used if it is believed it will lead to a quicker and more beneficial settlement of the case—that it is best to present to the creditor the consumer's case in as much detail and as persuasively as possible as early as possible. This letter was drafted in 1993 and may rely upon outdated caselaw.
Sample TILA Rescission Notice (Version in Foreclosure Rescue Scam Case)
This is a sample TILA rescission notice in a foreclosure rescue scam case. TILA requires only a bare bones letter, which does not need to have as much explanation as this letter. The Rescission Model Forms in TILA Regulation Z are very short, merely stating "I wish to cancel," and signed and dated by the consumer. In the case of a foreclosure rescue scam, however, it is probably best to give the scammer some explanation as to why the sale is in fact a loan covered by TILA.
Sample Credit Card Dispute Letter
The Fair Credit Billing Act provides credit card holders with certain rights to dispute a credit card charge. Other Truth in Lending provisions may provide additional rights. This is a sample letter to a card issuer disputing credit card charges.