Conference Materials

This session will discuss new predatory and illegal practices that have been arising in the higher education space and highlight exciting cases that are tackling these issues head on. We will discuss recent cases challenging schools' use of online program managers and predatory recruitment occurring in the distance education space, issues with schools' use of college banking cards, and schools' use of Income Share Agreements (ISAs). 

This session will discuss legal claims and strategies for dealing with long-dormant second mortgages that are suddenly back from the dead. We will discuss bringing claims in bankruptcy court and focus on FDCPA and UDAAP claims both in and out of bankruptcy court.

This report discusses the process used to place a lien on a home when a homeowner falls behind on property taxes and eventually foreclose on that property if the homeowner cannot pay the amounts in a certain period of time. It then discusses the unique issues heirs face when the record title owner passes away and leaves an overdue property tax bill. The report also reviews five sample states–Florida, Mississippi, Michigan, Texas, and Pennsylvania–and the policies they have, or do not have, to assist heirs with property tax bills, focusing on homestead exemptions.

This strategy summit will allow participants to engage in roundtable discussion of hot topics in mortgage servicing and foreclosure cases.

Recent case law updates regarding the proper scope of a Notice of Error and other hot topics. Overview of regulatory changes during the pandemic, sunset dates, and CFPB enforcement bulletins.

This session will discuss legal claims and strategies for dealing with long-dormant second mortgages that are suddenly back from the dead. TILA servicing claims, common law claims, and fair housing theories will be discussed. We will then open it up for breakout group discussions and reporting back from the groups.

Many second mortgages made before the last housing crisis contained abusive and unfair terms. Borrowers were unable to continue payments and because there was no equity in the homes, many lenders charged them off and sold to debt buyers. Now that the housing market is booming, these debt buyers are coming out of the woodwork to foreclose. Learn about how to use the FDCPA and other claims to defend against zombie second mortgages. —Kristi C.