Practice Tools

This is a series of letters from the consumer’s attorney to the consumer concerning the progress of lemon law litigation.

This is a 15-page form to aid in intake for a client with a home improvement contractor problem, including information about the buyer, cosigner, contractor, creditor, mortgage broker, dates from documents, estimate amounts, work to be done, status and condition of work, financing, financing charges, payments, foreclosure status, status of work, cure attempts, client wishes, sale description, salesperson statements, repair needs, inspection and estimates, damages, document checklist, witnesses, checklist of warranties provided, and information about the buyer.

This is a 12-page form to aid in intake for a client with a vehicle problem, including information about the buyer, cosigner, vehicle, dealer, creditor, financing, payments, vehicle status, description of the sale, claims against the dealer, client needs, vehicle inspection, vehicle condition, cure attempts, other contacts with dealer or manufacturer, damages, document checklist, witnesses, information from documents, warranty checklist, information about buyer, and topics to discuss with client.

This is a sample one-page client intake form regarding a car purchase, requesting background information about the client and the vehicle, a summary of vehicle problems, information on vehicle history, contacts with manufacturer, how the client found the attorney, and disposition of the representation.

The “Pooling and Servicing Agreement” is the legal document that contains the responsibilities and rights of the servicer, the trustee, and others over a pool of mortgage loans. The Pooling and Servicing Agreement can be a stand alone document or it can be part of another paper, usually called the “Prospectus.” If the securitization is public, these documents must be filed with the Securities and Exchange Commission (SEC). These filings are available to the public at http://www.sec.gov.

The CFPB integrated Truth in Lending and RESPA disclosures concerning mortgage loans into one set of disclosures.  This is the PowerPoint document from a fourth 2014 webinar presented by the CFPB presenting more detail concerning completing the closing disclosures on the integrated disclosures. This is the PowerPoint from one of four webinars the CFPB conducted in 2014 on the integrated disclosures. NCLC’s practice tools also include the PowerPoints from the other three webinars.