Practice Tools

Re Senator Warren's administrative student debt cancellation plan.

This white paper provides a comprehensive overview of the role played by the LIBOR benchmark index in consumer credit and what will happen when the LIBOR's administrator stops publishing it in June 2023. The paper includes a summary of relevant federal laws and regulations as well as a list of key resources. For questions, contact Andrew Pizor, NCLC staff attorney, at [email protected].

 A new Guidance from the Department of Justice, issued in coordination with the Department of Education has the potential to change bankruptcy practice dramatically. Until now, attorneys have not thought of bankruptcy as a way to help clients struggling with student loan debt. If the Guidance is implemented as intended, however, more bankruptcy debtors will be eligible for discharge of their student loans.

This is a sample housing discrimination complaint submitted to HUD based on failure to offer an accommodation based on disability.

This is a sample letter to a reverse mortgage lender asking for more time to respond to a repayment plan because of cognitive disabilities, as a reasonable accommodation of her disabilities under the Fair Housing Act.

This is a HUD form to initiate a housing discrimination complaint.  It can be used where discrimination is based on disability.

This is a sample notice of error and request for information drafted on behalf of a homeowner (pursuant to RESPA regulations).  The notice asks the reverse mortgage lender to reinstate a payment plan as an accommodation for the homeowner’s disability because the homeowner with a hearing impairment heard the wrong payment amount.  The notice also asks for various information about the loan, the repayment agreement, payments made by the lender for the homeowner, and communication and servicing logs.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is foreclosing on the house even though the homeowner executed a deed-in-lieu of foreclosure. The homeowner also requests information regarding the deed-in-lieu, communications between the lender and the homeowner, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender is requiring the homeowner to be conserved in order to renew her At-Risk Extension and avoid foreclosure and in refusing to recognize her durable power-of attorney.  The homeowner also requests information regarding the At-Risk Extension, her power of attorney, communications between the lender and the homeowner, and other information.

This is a sample notice of error and request for information (pursuant to RESPA regulations).  The notice alleges that the reverse mortgage lender improperly cancelled the homeowner’s repayment plan even though she was current on her monthly payments and had reached an agreement with the city to pay her current real estate taxes in installments.