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December 2021

Federal Deception Law (4th ed. 2022)
Chapter 1, First Considerations
Chapter 2, FTC Trade Regulation Rules
Chapter 3, Consumer Financial Protection Bureau UDAAP Standards
Chapter 4, The FTC Holder Rule and State Law Counterparts
Chapter 5, Telemarketing Fraud: The FTC Telemarketing Sales Rule and State Counterparts
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam
Chapter 7, The Telephone Consumer Protection Act (TCPA): Remedies and Litigation
Chapter 8, The Federal Racketeer Influenced and Corrupt Organizations Act (RICO)
Chapter 9, State RICO, Civil Theft, and Related Statutes
Chapter 10, The Federal False Claims Act and Other Whistleblower Laws
Chapter 11, Regulation of Debt Relief Services
Chapter 12, Other Statutes Protecting Consumers
Appendix A, FTC Trade Regulation Rules
Appendix B, Selected Consumer Financial Protection Act Provisions
Appendix C, Federal Regulation of Telemarketing, Robocalls, and Junk Faxes
Appendix D, State Telemarketing and Robocall Statutes Summarized
Appendix E, Federal RICO Statute
Appendix F, State RICO Statutes Summarized
Appendix G, Federal False Claims Act
Appendix H, State False Claims Act Statutes Summarized
Appendix I, State Debt Relief Statutes Summarized
Appendix J, Mailing of Unordered Merchandise
Appendix K, Restore Online Shoppers’ Confidence Act
Appendix L, Federal Regulation of Spam E-Mail

Student Loan Law
Chapter 11, Discharging Student Loans in Bankruptcy

November 2021

Collection Actions
Chapter 3, Dismissal Before Reaching the Merits
Chapter 7, Defending Military Personnel in Collection Actions

Consumer Arbitration Agreements
Chapter 5, Arbitration Clause's Applicability to Particular Claims or Parties

Consumer Credit Regulation
Chapter 11, Motor Vehicle, Manufactured Home, and Other Installment Sales
Chapter 13, Rent-to-Own and Leases
Chapter 15, Tax-Time Financial Products: RALs, RACs, and Assignments

Mortgage Servicing and Loan Modifications
Chapter 12, Homeowner Rights During Natural Disasters and COVID-19

Repossessions (10th ed. 2022)
Chapter 1, Introduction
Chapter 2, Scope and Sources of Law
Chapter 3, Enforceable Security Interests
Chapter 4, Default As Precondition to Seizure
Chapter 5, Replevin
Chapter 6, Self-Help Repossession
Chapter 7, Unsecured Personal Property Taken During Repossession
Chapter 8, Using Bankruptcy to Prevent Repossessions
Chapter 9, Disposition of Repossessed Collateral Other Than by Creditor’s Sale: Reinstatement, Redemption, Strict Foreclosure, Sheriff’s Sale, and Consumer’s Sale
Chapter 10, Creditor’s Sale of the Collateral
Chapter 11, Determining the Deficiency or Surplus
Chapter 12, Defending a Deficiency Action
Chapter 13, Affirmative Consumer Remedies in Repossession Cases
Chapter 14, Consumer Leases
Chapter 15, Liens
Appendix A, Selected Uniform Commercial Code Provisions
Appendix B, Summary of State Repossession Laws
Appendix C, Federal Statutes and Regulations Relevant to Repossession
Appendix D, Sample Answers and Complaints
Appendix E, Sample Repossession Discovery and Request for Admissions

Student Loan Law
Chapter 2, Disbursement of Federal Student Loans
Chapter 3, Pre-Default Repayment Options
Chapter 7, Repayment Strategies for Getting Out of Federal Student Loan Default
Chapter 8, Federal Student Loan Collection: The Federal Collection System, Private Collection Agencies, and Defenses to Collection Actions
Chapter 9, Seizures of Income and Assets to Collect Federal Student Loans
Chapter 10, Statutory Discharges of Federal Student Loans

Truth in Lending
Chapter 6, Disclosures for Credit Cards and Other Non-Home-Secured Open-End Credit
Chapter 7, Substantive Protections for Credit Cards and Other Open-End Credit

October 2021

Collection Actions
Appendix H, Summaries of State Exemption Laws

Federal Deception Law
Chapter 7, The Federal Racketeer Influenced and Corrupt Organizations Act (RICO)
Appendix D, State Telemarketing and Robocall Statutes Summarized

Mortgage Lending
Chapter 5, Preemption of State Laws that Conflict with Federal Banking Laws

Mortgage Servicing and Loan Modifications
Chapter 3, Servicing Requirements Under the Real Estate Settlement Procedures Act

September 2021

Consumer Class Actions
Chapter 3, Venue
Chapter 7, The Defendant's Response: Preliminary Motions, Individual Settlement Offers, Counterclaims, and More
Chapter 8, Discovery
Chapter 15, The Court Settlement Approval Process
Chapter 16, Claims Administration and Distribution of Benefits
Chapter 18, Res Judicata and Collateral Estoppel

Federal Deception Law
Chapter 2, FTC Trade Regulation Rules
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam

Mortgage Servicing & Loan Modifications

Appendix A, Federal Mortgage Servicing Law
Appendix E, Foreclosure Prevention Practice Aids and Sample Mortgage Documents

August 2021

Automobile Fraud
Chapter 4, Yo-Yo (Spot-Delivery) Abuses and Sublease Scams
Appendix D, State Statutes and Regulations Relating to Yo-Yo Sales

Consumer Credit Regulation
Chapter 3, Federal Preemption and the Applicable State Statute
Appendix C, Summaries of State Retail Installment Sales Acts
Appendix D, Summaries of State Closed-End Installment Loan Statutes

Federal Deception Law
Chapter 1, First Considerations
Chapter 4, The FTC Holder Rule and State Law Counterparts
Chapter 5, Telemarketing Fraud: The FTC Rule and State Counterparts
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam
Chapter 8, State RICO, Civil Theft, and Related Statutes
Chapter 11, Other Statutes Protecting Consumers
Appendix F, State RICO Statutes Summarized

Mortgage Lending
Appendix A, State Mortgage Lending Statutes
Appendix B, State Predatory Lending Statutes

Unfair and Deceptive Acts and Practices (10th ed. 2021)
Chapter 1, First Considerations
Chapter 2, UDAP Scope
Chapter 3, Demonstrating That a Practice Is a UDAP Violation
Chapter 4, Deception, Unfairness, Unconscionability, and Abusiveness
Chapter 5, General Sales and Performance Practices
Chapter 6, Credit and Collections
Chapter 7, Motor Vehicle Sales, Rentals, and Repair
Chapter 8, Home and Home-Related Transactions
Chapter 9, Services, Insurance, Opportunity Schemes, Other Transactions
Chapter 10, Liability of Various Parties
Chapter 11, Litigating UDAP Cases
Chapter 12, Private UDAP Remedies
Chapter 13, State Agency Enforcement
Appendix A, Statute-by-Statute Analysis of State UDAP Statutes
Appendix B, Useful Websites

July 2021

Federal Deception Law
Chapter 3, Consumer Financial Protection Bureau UDAAP Standards

Truth in Lending
Chapter 3 Finance Charge
Chapter 8 Home Equity Lines of Credit (HELOCs) and Reverse Mortgages
Chapter 11 Consumer Remedies

June 2021

Consumer Banking and Payments Law
Chapter 1, First Considerations
Appendix I, Electronic Signatures and Records

Consumer Bankruptcy Law and Practice
Chapter 1, About This Treatise
Chapter 3, Chapter 7 Bankruptcy (Straight Bankruptcy): The Basic Steps
Chapter 6, Counseling the Consumer Debtor: Does Bankruptcy Provide the Best Solution and, If So, How and When?
Chapter 7, Preparing and Filing the Papers

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam
Chapter 9, The Federal False Claims Act and Other Whistleblower Laws
Chapter 10, Regulation of Debt Relief Services
Appendix H, State False Claims Act Statutes Summarized
Appendix I, State Debt Relief Statutes Summarized

Home Foreclosures
Chapter 3, Challenging the Authority to Foreclose
Chapter 4, Authority to Foreclose Special Issues: Servicers, GSE Loans, and MERS
Chapter 6, Government Insured Loans and Moratoriums
Chapter 7, Defending Foreclosures by Challenging Unfair Lending Practices

Mortgage Servicing and Loan Modifications
Chapter 6, Loss Mitigation and Loan Modifications
Chapter 8, Loss Mitigation for FHA-Insured Loans
Chapter 9, Loss Mitigation for Loans Insured by the Department of Veterans Affairs or the Rural Housing Service
Chapter 10, Legal Claims for Failure to Handle Loss Mitigation Properly

May 2021

Credit Discrimination
Chapter 7, Redlining
Appendix G, Sample Pleadings
Appendix H, Sample Discovery

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam

April 2021

Consumer Bankruptcy Law and Practice
Chapter 11, Dealing with Secured Creditors
Chapter 13, Dismissal or Conversion of a Bankruptcy Case
Chapter 15, The Discharge: Protecting It and Using It
Chapter 17, Chapter 12 Bankruptcy: Family Farmer and Family Fisherman Reorganization
Appendix E, Director's Procedural Forms

Home Foreclosures
Chapter 1, Introduction
Chapter 2, Authority to Foreclose

Mortgage Servicing and Loan Modifications
Chapter 2, Common Mortgage Servicing Problems
Appendix D, Summary of State Mortgage Servicing, Payoff Statement, and Mortgage Discharge Laws

Truth in Lending
Chapter 1, Overview
Chapter 2, Scope
Chapter 4, General Rules for Closed-End Credit Disclosures
Chapter 12 Creditor Defenses and Counterclaims
Chapter 13, Consumer Leasing Act

March 2021

Automobile Fraud
Chapter 3, Automobile Title Law

Consumer Arbitration Agreements
Chapter 9, Conducting Individual Arbitrations

Consumer Banking and Payments Law
Chapter 11, Electronic Transactions: Contracts, Disclosures, and Signatures

Consumer Bankruptcy Law and Practice
Chapter 1, About This Treatise
Chapter 2, What Is Bankruptcy? Some General Concepts
Chapter 3, Chapter 7 Bankruptcy (Straight Bankruptcy): The Basic Steps
Chapter 4, Chapter 13 Bankruptcy: The Basic Steps
Chapter 5, Getting All the Necessary Facts
Chapter 6, Counseling the Consumer Debtor: Does Bankruptcy Provide the Best Solution and, If So, How and When?
Chapter 7, Preparing and Filing the Papers
Chapter 8, After the Papers Are Filed
Chapter 9, Automatic Stays and Turnover of Property
Chapter 10, Exemptions
Chapter 11, Dealing with Secured Creditors
Chapter 12, Issues Arising in Chapter 13 Cases

Credit Discrimination
Chapter 1, Introduction and First Considerations
Chapter 2, Scope
Chapter 3, Prohibited Bases for Discrimination
Chapter 4, Proving Credit Discrimination
Chapter 5, Discrimination in Pre-Application and Application Procedures
Chapter 8, Discrimination Law Challenges to Predatory Lending and Unfair Pricing
Chapter 9, Discrimination Subsequent to the Granting of Credit
Chapter 10, ECOA Procedural Requirements
Chapter 11, Litigating a Credit Discrimination Case
Chapter 12, Government Enforcement
Appendix F, State Credit Discrimination Laws
Appendix J, Bibliography of Social Science Research on Credit Discrimination Issues

Fair Debt Collection
Chapter 16, Other State Remedies

Federal Deception Law
Chapter 7, The Federal Racketeer Influenced and Corrupt Organizations Act (RICO)
Appendix C, Federal Regulation of Telemarketing, Robocalls, Junk Faxes, and Spam

Home Foreclosures
Appendix F, Summary of State Real Estate Tax Abatement Laws

Mortgage Servicing and Loan Modifications
Chapter 12, Homeowner Rights During Natural Disasters and COVID-19

Repossessions
Chapter 7, Unsecured Personal Property Taken During Repossession
Chapter 15, Liens

Student Loan Law
Chapter 8, Federal Student Loan Collection: The Federal Collection System, Private Collection Agencies, and Defenses to Collection Actions
Chapter 13, Predatory and For-Profit School Issues

Unfair and Deceptive Acts and Practices
Chapter 1, First Considerations
Chapter 13, State Agency Enforcement

February 2021

Consumer Banking and Payments Law
Chapter 5, Electronic Fund Transfers
Chapter 6, Money Orders, Cashier’s Checks, Domestic and International Remittances
Chapter 7, Prepaid Accounts, Gift and Payroll Cards, Mobile Payments, and Other Stored Value Systems
Appendix E, Electronic Fund Transfers

Consumer Bankruptcy Law and Practice
Chapter 9, Automatic Stays and Turnover of Property
Chapter 18, Consumers as Creditors in Bankruptcy: Selected Topics
Appendix G, Sample Bankruptcy Pleadings and Other Forms

Mortgage Servicing and Loan Modifications
Chapter 12, Homeowner Rights During Natural Disasters and COVID-19

Repossessions
Chapter 2, Scope and Sources of Law
Chapter 3, Enforceable Security Interests
Chapter 4, Default As Precondition to Seizure
Chapter 5, Replevin
Chapter 6, Self-Help Repossession
Chapter 9, Disposition of Repossessed Collateral Other Than by Creditor’s Sale: Reinstatement, Redemption, Strict Foreclosure, Sheriff’s Sale, and Consumer’s Sale
Chapter 10, Creditor's Sale of the Collateral
Chapter 11, Determining the Deficiency or Surplus
Chapter 12, Defending a Deficiency Action
Appendix B, Summary of State Repossession Laws

Unfair and Deceptive Acts and Practices
Chapter 12, Private UDAP Remedies

January 2021

Collection Actions
Chapter 5, Defenses and Counterclaims

Consumer Bankruptcy Law and Practice
Appendix A, Bankruptcy Statutes

Consumer Class Actions
Chapter 4, Choosing the Class Definition
Chapter 7, The Defendant's Response: Preliminary Motions, Individual Settlement Offers, Counterclaims, and More
Appendix C, Survey of State Class Action Law—2020

Consumer Warranty Law (6th ed. 2021)
Chapter 1, Introductory Materials
Chapter 2, The Magnuson-Moss Warranty Act
Chapter 3, Express Warranties
Chapter 4, Implied Warranties
Chapter 5, Fourteen Ways to Defeat Warranty Disclaimers
Chapter 6, Avoiding Vertical and Horizontal Privity Requirements
Chapter 7, Establishing Breach of Warranty: Notice, Standards, Proof, and Defenses
Chapter 8, UCC Self-Help Remedies: Cancellation of the Sale; Deducting Damages from the Outstanding Balance
Chapter 9, Ten Ways to Avoid Contractual Limitations on Remedies
Chapter 10, UCC Damages
Chapter 11, Deception, Unfairness, Unconscionability, Lack of Good Faith, and Fraud
Chapter 12, Negligence and Strict Liability in Tort
Chapter 13, Litigating Warranty Cases
Chapter 14, New Vehicles and Motor Homes: Lemon Laws, Other Remedies
Chapter 15, Used Cars
Chapter 16, Wheelchairs and Other Assistive Devices
Chapter 17, Manufactured Home Sales
Chapter 18, New Home Sales
Chapter 19, Automobile Repair, Home Improvements, and Other Services
Chapter 20, Service Contracts, Extended Warranties, and Mechanical Breakdown Insurance
Chapter 21, Leases
Appendix A, Magnuson-Moss Warranty Act
Appendix B, Magnuson-Moss Warranty Act Rules and Interpretations
Appendix C, National Manufactured Housing Construction and Safety Standards Act
Appendix D, FTC Used Motor Vehicle Trade Regulation Rule
Appendix E, Uniform Commercial Code Warranty Provisions
Appendix F, State-by-State Analysis of New Car Lemon Laws
Appendix G, State-by-State Analysis of Service Contract Laws and Regulations
Appendix H, State-by-State Analysis of New Home and Condominium Warranty Laws
Appendix I, Sample Notices of Rejection, Revocation, or Deduction of Damages
Appendix J, Sample Pleadings
Appendix K, Useful Warranty Law Websites

Fair Credit Reporting
Chapter 9, Identity Theft--FCRA and Other Protections
Chapter 13, Public Enforcement
Chapter 14, Practical Advice on Consumer Reporting
Chapter 15, Investigative Consumer Reports
Chapter 17, Credit Repair Legislation
Appendix L, Government Enforcement Orders

Fair Debt Collection
Chapter 9, FDCPA § 1692g: Notice of Consumer's Dispute and Debt Verification Rights
Appendix B, CFPB Interpretations of the FDCPA

Federal Deception Law
Chapter 5, Telemarketing Fraud: The FTC Rule and State Counterparts
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam

Unfair and Deceptive Acts and Practices
Chapter 6, Credit and Collections
Chapter 8 Home and Home-Related Transactions
Chapter 9, Services, Insurance, Opportunity Schemes, Other Transactions
Chapter 10, Liability of Various Parties

December 2020

Automobile Fraud
Chapter 1, Introduction and Practice Checklists
Appendix E, State-by-State Information on Requesting Title Histories
Appendix F, State Automobile Dealer Licensing Offices

Consumer Bankruptcy Law
Appendix A, Bankruptcy Statutes
Appendix B, Federal Rules of Bankruptcy Procedure
Appendix C, Bankruptcy Policies, Regulations, Fees, and Agency Notices
Appendix D, Official Bankruptcy Forms with Annotated Samples
Appendix E, Director's Procedural Forms

Collection Actions
Chapter 3, Dismissal Before Reaching the Merits
Chapter 12, Challenging the Collector’s Judgment

Consumer Class Actions
Chapter 3, Venue
Chapter 8, Discovery

Consumer Credit Regulation
Chapter 11, Motor Vehicle, Manufactured Home, and Other Installment Sales

Credit Discrimination
Appendix D, Fair Housing Act Regulations
Appendix E, Home Mortgage Disclosure Act and Regulation C

Fair Credit Reporting
Chapter 4, Accuracy and Reinvestigation Obligations of Consumer Reporting Agencies
Chapter 18, Privacy Protection

Fair Debt Collection
Chapter 5, FDCPA §§ 1692b, 1692c: Collector Communications with Consumers and Third Parties

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam
Appendix A, FTC Trade Regulation Rules
Appendix C, Federal Regulation of Telemarketing, Robocalls, Junk Faxes, and Spam
Appendix F, State RICO Statutes Summarized
Appendix I, State Debt Relief Statutes Summarized
Appendix L, Federal Computer Fraud Abuse Act

Mortgage Lending
Chapter 7, Mortgage Brokers and Other Third Parties: Charges and Abuses

Repossessions
Chapter 1, Introduction

Student Loan Law
Appendix B, Federal Regulations

Unfair and Deceptive Acts and Practices
Chapter 2, UDAP Scope
Chapter 3, Demonstrating That a Practice Is a UDAP Violation
Chapter 4, Deception, Unfairness, Unconscionability, and Abusiveness
Chapter 5, General Sales and Performance Practices

November 2020

Automobile Fraud
Chapter 2, Investigatory Techniques
Appendix C, State Laws Relating to Automobile Fraud

Bankruptcy
Chapter 15, The Discharge: Protecting It and Using It
Chapter 16, Attorney Fees for Debtor's Counsel and Attorney Duties in Consumer Bankruptcy Cases

Consumer Banking and Payments Law
Appendix B, Truth in Savings
Appendix C, Federal Check Regulation: Check 21, Funds Availability, and Check
Appendix D, Payments to Telemarketers
Appendix F, NACHA Rules, Guidelines, and Bulletins
Appendix H, Federal Benefits Payments

Consumer Class Actions
Chapter 1, Case and Claims Selection, Other First Considerations
Chapter 14, Negotiations and Settlement

Consumer Credit Regulation (3d ed. 2020)
Chapter 1, Background
Chapter 2, Statutes Restricting Credit Terms
Chapter 3, Federal Preemption and the Applicable State Statute
Chapter 4, Interest, Points, Fees, and Delinquency Charges
Chapter 5, Credit Math: Calculating Interest and Rebates
Chapter 6, Credit Insurance and Debt Protection Products
Chapter 7, Litigation
Chapter 8, Credit Cards: Abuses, Regulation, and State Law Claims
Chapter 9, Payday Loans
Chapter 10, Installment Loans
Chapter 11, Motor Vehicle, Manufactured Home, and Other Installment Sales
Chapter 12, Auto Title Loans
Chapter 13, Rent-to-Own and Leases
Chapter 14, “Sale” of Future Payment Streams
Chapter 15, Tax-Time Financial Products: RALs, RACs, and Assignments
Appendix A, Federal Credit Regulations
Appendix B, State Lending Statutes
Appendix C, Summaries of State Retail Installment Sales Acts
Appendix D, Summaries of State Closed-End Installment Loan Statutes
Appendix E, Summaries of State Open-End Credit Statutes
Appendix F, Rate Exportation
Appendix G, Preemption Based on OCC Regulation of Federal Depositories
Appendix H, Preemption of Manufactured Home Loan Interest Rates
Appendix I, Federal Credit Unions

Credit Discrimination
Appendix F, State Credit Discrimination Laws

Fair Debt Collection
Chapter 4, Persons, Transactions, and Communications Covered by the Fair Debt Collection Practices Act
Appendix D, Summary of State Debt Collection Statutes

Federal Deception Law
Chapter 3, Consumer Financial Protection Bureau UDAAP Standards

Mortgage Servicing and Loan Modifications
Appendix B, Selected Statutes and Regulations Pertaining to Mortgages Held or Insured by the Federal Government
Appendix E, Foreclosure Prevention Practice Aids and Sample Mortgage Documents
Appendix H, Helpful Websites

Student Loan Law
Appendix A, Federal Student Loan Statutes

Truth in Lending
Chapter 6, Disclosures for Credit Cards and Other Non-Home-Secured Open-End Credit

October 2020

Automobile Fraud
Chapter 8, Common Law Fraud, Deceit, and Misrepresentation
Chapter 9, Warranty, Mistake, UDAP, RICO, Unconscionability, Negligence, and Contract Claims
Chapter 10, Litigating Automobile Fraud Cases

Bankruptcy
Chapter 14, Litigating in the Bankruptcy Court

Collection Actions (5th ed. 2020)
Chapter 1, Introduction
Chapter 2, Case Selection, Advising the Client, and Litigation Strategy
Chapter 3, Dismissal Before Reaching the Merits
Chapter 4, Proof of the Merits of the Collector’s Claims
Chapter 5, Defenses and Counterclaims
Chapter 6, Creditors’ Recovery of Attorney Fees, Collection Expenses, Postjudgment Interest
Chapter 7, Defending Military Personnel in Collection Actions
Chapter 8, Criminal and Civil Collection of Dishonored Checks
Chapter 9, Medical Debt
Chapter 10, Federal Administrative Agency Collections
Chapter 11, Criminal Justice Debt
Chapter 12, Challenging the Collector’s Judgment
Chapter 13, Enforcement of Judgments: General Principles, Constitutional Issues
Chapter 14, Protecting Debtors’ Wages, Benefits, Other Income, and Bank Accounts
Chapter 15, Protecting the Debtor’s Home, Tangible Personal Property, and Other Assets
Chapter 16, Debtor’s Examinations and Imprisonment for Debt
Chapter 17, Prevailing Consumers’ Postjudgment Actions
Appendix A, Selected Provisions of the Servicemembers Civil Relief Act
Appendix B, Selected Provisions of the Patient Protection and Affordable Care Act Applicable to Medical Debt
Appendix C, Selected Provisions Governing Collection of Debts Owed to Federal Government
Appendix D, Federal Wage Garnishment Statute and Regulations
Appendix E, Treasury Rule Protecting Electronically Deposited Exempt Federal Benefits
Appendix F, Selected Federal Exemption Provisions
Appendix G, Federal Trade Commission Credit Practices Rule
Appendix H, Summaries of State Exemption Laws

Consumer Banking and Payments Law
Appendix E, Electronic Fund Transfers
Appendix G, Stored Value and Prepaid Cards

Consumer Class Actions
Chapter 2, Forum Selection
Chapter 4, Choosing the Class Definition

Credit Discrimination
Chapter 6, Discrimination in Credit Evaluation

Fair Credit Reporting
Chapter 3, Access to and Examination of the Consumer’s File

Fair Debt Collection
Chapter 10, FDCPA §§ 1692h, 1692i, 1692j: Applying Payments; Distant Forum Abuse; False Impression of Debt Collector Involvement
Chapter 12, Debt Collectors' Defenses and Counterclaims

Federal Deception Law
Chapter 4, The FTC Holder Rule and State Law Counterparts

Mortgage Servicing and Loan Modifications
Chapter 10, Legal Claims for Failure to Handle Loss Mitigation Properly

Student Loan Law
Chapter 10, Statutory Discharges of Federal Student Loans

September 2020

Automobile Fraud
Chapter 6, Remedies for MVICSA and State Odometer Act Violations
Chapter 7, Other Statutes Specifically Relating to Automobile Fraud

Bankruptcy
Chapter 1, About This Treatise
Chapter 2, What Is Bankruptcy? Some General Concepts
Chapter 3, Chapter 7 Bankruptcy (Straight Bankruptcy): The Basic Steps
Chapter 4, Chapter 13 Bankruptcy: The Basic Steps
Chapter 5, Getting All the Necessary Facts
Chapter 6, Counseling the Consumer Debtor: Does Bankruptcy Provide the Best Solution and, If So, How and When?
Chapter 7, Preparing and Filing the Papers
Chapter 8, After the Papers Are Filed
Chapter 9, Automatic Stays and Turnover of Property
Chapter 10, Exemptions

Consumer Class Actions
Chapter 10, Class Certification
Chapter 11, The Class Motion and Briefs
Chapter 13, Class Notice
Chapter 15, The Court Settlement Approval Process
Chapter 16, Claims Administration and Distribution of Benefits
Chapter 19, Attorney Fees

Fair Credit Reporting
Chapter 5, Restrictions on Information in Consumer Reports
Chapter 7, Permissible Releases and Uses of Consumer Reports
Chapter 10, Claims for Consumer Reporting Disputes: Availability, Private Enforcement, State Claims, and Preemption

Fair Debt Collection
Chapter 8, FDCPA § 1692f: Unfair or Unconscionable Collections
Chapter 15, Tort Remedies

Federal Deception Law
Chapter 3, Consumer Financial Protection Bureau UDAAP Standards
Chapter 8, State RICO and Civil Theft Statutes

Mortgage Servicing and Loan Modifications
Chapter 3, Servicing Requirements Under the Real Estate Settlement Procedures Act
Appendix A, Federal Mortgage Servicing Law

Student Loan Law
Chapter 1, Getting Started
Chapter 5, Pre-Default Servicing of Federal Student Loans
Chapter 7, Repayment Strategies for Getting Out of Federal Student Loan Default
Chapter 9, Seizures of Income and Assets to Collect Federal Student Loans
Chapter 11, Discharging Student Loans in Bankruptcy

August 2020

Consumer Warranty Law
Chapter 3, Express Warranties
Chapter 4, Implied Warranties
Chapter 5, Fourteen Ways to Defeat Warranty Disclaimers
Chapter 6, Avoiding Vertical and Horizontal Privity Requirements
Chapter 10, UCC Damages
Chapter 12, Negligence and Strict Liability in Tort
Chapter 15, Used Cars
Chapter 20, Service Contracts, Extended Warranties, and Mechanical Breakdown Insurance
Appendix F, State-by-State Analysis of New Car Lemon Laws
Appendix G, State-by-State Analysis of Service Contract Laws and Regulations
Appendix H, State-by-State Analysis of New Home and Condominium Warranty Laws
Appendix I, Sample Notices of Rejection, Revocation, or Deduction of Damages
Appendix K, Useful Warranty Law Websites

Fair Credit Reporting
Chapter 16, Credit Scoring

Mortgage Servicing and Loan Modifications
Chapter 5, State Law Servicing Claims

July 2020

Consumer Banking and Payments Law
Chapter 2, Deposit Accounts: Account Opening, Closing, Statements, Fees, and Interest
Chapter 6, Money Orders, Cashier’s Checks, Domestic and International Remittances
Chapter 9, Federal Benefit Payments
Chapter 10, Banker’s Setoff and Security Interests in Bank Accounts

Federal Deception Law
Chapter 2, FTC Trade Regulation Rules
Chapter 10, Regulation of Debt Relief Services

Truth in Lending
Chapter 7, Substantive Protections for Credit Cards and Other Open-End Credit
Chapter 8 Home Equity Lines of Credit (HELOCs) and Reverse Mortgages
Chapter 11 Consumer Remedies
Chapter 12 Creditor Defenses and Counterclaims

June 2020

Consumer Arbitration Agreements
Chapter 7, Federal Statutes and Rules Limiting Arbitration Requirements
Appendix B, Federal Limits on Arbitration

Consumer Bankruptcy Law and Practice
Appendix 18, Consumers As Creditors in Bankruptcy: Selected Topics

Collection Actions
Chapter 9, Medical Debt
Appendix A, Selected Provisions of the Servicemembers Civil Relief Act

Truth in Lending
Chapter 10, Truth in Lending Rescission Rights

May 2020

Collection Actions
Chapter 8, Criminal and Civil Collection of Dishonored Checks
Chapter 10, Federal Administrative Agency Collections
Chapter 13, Enforcement of Judgments: General Principles, Constitutional Issues
Chapter 16, Debtor's Examinations and Imprisonment for Debt

Consumer Arbitration Agreements (8th ed. 2020)
Chapter 1, Preliminary Issues
Chapter 2, Threshold Issues for Challenges to Arbitration Clauses
Chapter 3, Federal Arbitration Act Preemption of State Law
Chapter 4, Formation of Agreement to Arbitrate
Chapter 5, Arbitration Clause's Applicability to Particular Claims or Parties
Chapter 6, Waiver of the Right to Compel Arbitration
Chapter 7, Federal Statutes and Rules Limiting Arbitration Requirements
Chapter 8, Unconscionable and Other Unenforceable Arbitration Provisions
Chapter 9, Conducting Individual Arbitrations
Chapter 10, Arbitration of Claims on a Classwide Basis
Chapter 11, Judicial Review and Effect of the Arbitration Award
Chapter 12, Creditor's Use of Arbitration to Collect Consumer Debts
Appendix A, The Federal Arbitration Act
Appendix B, Federal Limits on Arbitration
Appendix C, Rules of the American Arbitration Association
Appendix D, JAMS Rules

Consumer Bankruptcy Law and Practice
Appendix D Official Bankruptcy Forms with Annotated Samples
Appendix E Director’s Procedural Forms

Consumer Credit Regulation
Chapter 7, Litigation
Chapter 10, Installment Loans
Chapter 14, “Sale” of Future Payment Streams

Mortgage Servicing and Loan Modifications
Chapter 4, Other Federal Statutes Impacting Loan Servicing

Truth in Lending
Chapter 1, Overview
Chapter 2, Scope
Chapter 13, Consumer Leasing Act

April 2020

Automobile Fraud
Chapter 5, Federal and State Odometer Requirements
Appendix B, Federal Regulations

Consumer Bankruptcy Law and Practice
Appendix J, Summaries of State Exemption Laws

Collection Actions
Chapter 1, Introduction
Chapter 3, Dismissal Before Reaching the Merits
Chapter 7, Defending Military Personnel in Collection Actions
Chapter 14, Protecting Debtors' Wages, Benefits, Other Income, and Bank Accounts
Chapter 15, Protecting the Debtor's Home, Tangible Personal Property, and Other Assets
Chapter 17, Prevailing Consumers' Postjudgment Actions
Appendix G, Summaries of State Exemption Laws

Fair Credit Reporting
Chapter 11, Private Litigation: Pre-Filing Considerations
Appendix H, Summary of State Laws on Consumer Reporting, Identity Theft, Credit Repair, and Security Freezes

Mortgage Servicing and Loan Modifications
Chapter 2, Common Mortgage Servicing Problems
Chapter 3, Servicing Requirements Under the Real Estate Settlement Procedures Act
Chapter 6, Loss Mitigation and Loan Modifications
Chapter 7, Loss Mitigation Options for Fannie Mae and Freddie Mac Mortgages
Chapter 8, Loss Mitigation Options for FHA-Insured Loans
Chapter 9, Loss Mitigation for Loans Insured by the Department of Veterans Affairs or the Rural Housing Service

March 2020

Automobile Fraud
Chapter 7, Other Statutes Specifically Relating to Automobile Fraud
Appendix C, State Laws Relating to Automobile Fraud

Collection Actions
Chapter 2, Case Selection, Advising the Client, and Litigation Strategy
Chapter 3, Dismissal Before Reaching the Merits
Chapter 4, Proof of the Merits of the Collector’s Claims
Chapter 5, Defenses and Counterclaims
Chapter 6, Creditors’ Recovery of Attorney Fees, Collection Expenses, Postjudgment Interest
Chapter 12, Challenging the Collector’s Judgment

Consumer Class Actions (10th ed. 2020)
Chapter 1, Case and Claims Selection, Other First Considerations
Chapter 2, Forum Selection
Chapter 3, Venue
Chapter 4, Choosing the Class Definition
Chapter 5, Drafting the Complaint
Chapter 6, Plaintiff’s Preliminary Actions to Protect the Class
Chapter 7, The Defendant's Response: Preliminary Motions, Individual Settlement Offers, Counterclaims, and More
Chapter 8, Discovery
Chapter 9, Representing the Named Plaintiff at Deposition
Chapter 10, Class Certification
Chapter 11, The Class Motion and Briefs
Chapter 12, Appeals of Certification Rulings
Chapter 13, Class Notice
Chapter 14, Negotiations and Settlement
Chapter 15, The Court Settlement Approval Process
Chapter 16, Claims Administration and Distribution of Benefits
Chapter 17, The Class Action Trial
Chapter 18, Res Judicata and Collateral Estoppel
Chapter 19, Attorney Fees
Appendix A, Federal Rule of Civil Procedure 23 and Advisory Committee Notes
Appendix B, Federal Class Action Legislation
Appendix C, Survey of State Class Action Law—2019
Appendix D, NACA Class Action Guidelines—299 F.R.D. 160
Appendix E, Sample Agreements with Named Plaintiffs, Co-Counsel
Appendix F, Selected Class Action Websites

Fair Debt Collection
Chapter 14, Other Federal Claims

Home Foreclosures
Chapter 15, Tax Liens and Tax Foreclosures

February 2020

Collection Actions
Chapter 11, Criminal Justice Debt

Consumer Banking and Payments Law
Chapter 1, First Considerations
Chapter 8, Electronic Benefit Transfer (EBT)

Consumer Credit Regulation
Chapter 9, Payday Loans

Credit Discrimination
Chapter 2, Scope
Chapter 4, Proving Credit Discrimination
Chapter 5, Discrimination in Pre-Application and Application Procedures
Chapter 9, Discrimination Subsequent to the Granting of Credit
Chapter 10, ECOA Procedural Requirements
Chapter 11, Litigating a Credit Discrimination Case
Chapter 12, Government Enforcement

Fair Credit Reporting
Chapter 8, Notices Concerning Consumer Reports

Student Loan Law
Chapter 2, Taking Out a Federal Student Loan: Basic Terms and Conditions
Chapter 3, Pre-Default Repayment Options
Chapter 4, Postponing Repayment on Federal Student Loans
Chapter 6, Implications of Student Loan Defaults

January 2020

Collection Actions
Chapter 8, Criminal and Civil Collection of Dishonored Checks
Chapter 9, Medical Debt
Chapter 10, Federal Administrative Agency Collections
Chapter 13, Enforcement of Judgments: General Principles, Constitutional Issues
Chapter 14, Protecting Debtors' Wages, Benefits, Other Income, and Bank Accounts
Chapter 15, Protecting the Debtor's Home, Tangible Personal Property, and Other Assets

Consumer Credit Regulation
Chapter 1, Background
Chapter 2, Statutes Restricting Credit Terms
Chapter 3, Federal Preemption and the Applicable State Statute
Chapter 5, Credit Math: Calculating Interest and Rebates
Chapter 8, Credit Cards: Abuses, Regulation, and State Law Claims

Fair Credit Reporting
Chapter 2, Scope: Consumer Reports and Consumer Reporting Agencies
Chapter 6, Activities and Duties of Furnishers of Information to Consumer Reporting Agencies

Fair Debt Collection
Chapter 7, FDCPA § 1692e: False, Deceptive, or Misleading Representations and Collection Methods
Chapter 9, FDCPA § 1692g: Notice of Consumer's Dispute and Debt Verification Rights

Federal Deception Law
Chapter 3, Consumer Financial Protection Bureau UDAAP Standards

Home Foreclosures
Chapter 7, Defending Foreclosures by Challenging Unfair Lending Practices
Chapter 9, Using Bankruptcy to Prevent Foreclosures
Chapter 11, Manufactured Home Foreclosures and Repossessions

Student Loan Law
Chapter 11, Discharging Student Loans in Bankruptcy

December 2019

Consumer Arbitration Agreements
Chapter 8a, Conducting Individual Arbitrations

Consumer Warranty Law
Chapter 13, Litigating Warranty Cases
Chapter 14, New Vehicles and Motor Homes: Lemon Laws, Other Remedies
Chapter 15, Used Cars
Chapter 16, Wheelchairs and Other Assistive Devices
Chapter 19, Automobile Repair, Home Improvements, and Other Services

Fair Credit Reporting
Chapter 7, Permissible Releases and Uses of Consumer Reports

Fair Debt Collection
Chapter 10, FDCPA §§ 1692h, 1692i, 1692j: Applying Payments; Distant Forum Abuse; False Impression of Debt Collector Involvement

November 2019

Consumer Class Actions
Chapter 8, Discovery
Chapter 19, Attorney Fees

Consumer Credit Regulation
Chapter 7, Litigation
Chapter 14, “Sale” of Future Payment Streams

Consumer Warranty Law
Chapter 6, Avoiding Vertical and Horizontal Privity Requirements
Chapter 7, Establishing Breach of Warranty: Notice, Standards, Proof, and Defenses
Chapter 8, UCC Self-Help Remedies: Cancellation of the Sale; Deducting Damages from the Outstanding Balance
Chapter 9, Ten Ways to Avoid Contractual Limitations on Remedies
Chapter 10, UCC Damages
Chapter 11, Deception, Unfairness, Unconscionability, Lack of Good Faith, and Fraud
Chapter 12, Negligence and Strict Liability in Tort

Fair Credit Reporting
Chapter 4, Accuracy and Reinvestigation Obligations of Consumer Reporting Agencies

Fair Debt Collection
Chapter 13, Bankruptcy and Affirmative Claim Arising from Debt Collection

Home Foreclosures
Chapter 14, Preventing Foreclosure of Reverse Mortgages
Appendix E Summary of State Foreclosure Laws
Appendix F Summary of State Real Estate Tax Abatement Laws
Appendix G Summary of State Tax Lien Foreclosure Laws
Appendix H Summary of State Condominium Laws

Mortgage Servicing and Loan Modifications
Chapter 2, Common Mortgage Servicing Problems

October 2019

Consumer Bankruptcy Law and Practice (12th ed. 2020)
Chapter 1 About This Treatise
Chapter 2 What Is Bankruptcy? Some General Concepts
Chapter 3 Chapter 7 Bankruptcy (Straight Bankruptcy): The Basic Steps
Chapter 4 Chapter 13 Bankruptcy: The Basic Steps
Chapter 5 Getting All the Necessary Facts
Chapter 6 Counseling the Consumer Debtor: Does Bankruptcy Provide the Best Solution and, If So, How and When?
Chapter 7 Preparing and Filing the Papers
Chapter 8 After the Papers Are Filed
Chapter 9 Automatic Stays and Turnover of Property
Chapter 10 Exemptions
Chapter 11 Dealing with Secured Creditors
Chapter 12 Issues Arising in Chapter 13 Cases
Chapter 13 Dismissal or Conversion of a Bankruptcy Case
Chapter 14 Litigating in the Bankruptcy Court
Chapter 15 The Discharge: Protecting It and Using It
Chapter 16 Attorney Fees for Debtor’s Counsel and Attorney Duties in Consumer Bankruptcy Cases
Chapter 17 Chapter 12 Bankruptcy: Family Farmer and Family Fisherman Reorganization
Chapter 18 Consumers As Creditors in Bankruptcy: Selected Topics
Appendix A Bankruptcy Statutes
Appendix B Federal Rules of Bankruptcy Procedure
Appendix C Bankruptcy Policies, Regulations, Fees, and Agency Notices
Appendix D Official Bankruptcy Forms with Annotated Samples
Appendix E Director’s Procedural Forms
Appendix F Bankruptcy Questionnaire
Appendix G Sample Bankruptcy Pleadings and Other Forms
Appendix H Practice Aids
Appendix I Means Test Data
Appendix J Summaries of State Exemption Laws
Appendix K Bankruptcy Client Handouts
Appendix L Helpful Websites

Consumer Class Actions
Chapter 9, Representing the Named Plaintiff at Deposition
Chapter 10, Class Certification
Chapter 13, Class Notice
Chapter 16, Claims Administration and Distribution of Benefits

Consumer Credit Regulation
Chapter 9, Payday Loans

Consumer Warranty Law
Chapter 1, Introductory Materials
Chapter 2, The Magnuson-Moss Warranty Act
Chapter 3, Express Warranties
Chapter 4, Implied Warranties
Chapter 5, Fourteen Ways to Defeat Warranty Disclaimers

Fair Debt Collection
Chapter 4, Persons and Transactions Covered by the Fair Debt Collection Practices Act

Federal Deception Law
Chapter 6, Unwanted Calls and Texts, Junk Faxes, and Spam

Repossessions
Chapter 14, Consumer Leases

Student Loan Law (6th ed. 2019)
Chapter 1, Getting Started
Chapter 2, Taking Out a Federal Student Loan: Basic Terms and Conditions
Chapter 3, Pre-Default Repayment Options
Chapter 4, Postponing Repayment on Federal Student Loans
Chapter 5, Pre-Default Servicing of Federal Student Loans
Chapter 6, Implications of Student Loan Defaults
Chapter 7, Repayment Strategies for Getting Out of Federal Student Loan Default
Chapter 8, Federal Student Loan Collection: The Federal Collection System, Private Collection Agencies, and Defenses to Collection Actions
Chapter 9, Seizures of Income and Assets to Collect Federal Student Loans
Chapter 10, Statutory Discharges of Federal Student Loans
Chapter 11, Discharging Student Loans in Bankruptcy
Chapter 12, Private Student Loans
Chapter 13, Predatory and For-Profit School Issues
Chapter 14, Affirmative Litigation Involving Student Loans and Schools
Appendix A, Federal Student Loan Statutes
Appendix B, Federal Regulations
Appendix C, Policy Guidance and Reports
Appendix D, Student Loan Forms
Appendix E, Sample Pleadings, Letters, and Discovery Requests
Appendix F, Directory of Guaranty Agencies
Appendix G, Student Loan Collection Agencies
Appendix H, NCLC’s Student Loan Borrower Assistance Website
Appendix I, Student Loans on the Web

New Print Editions with All Chapters and Appendices Also Revised Online
Access to Utility Service (6th ed. May 2018)
Automobile Fraud (6th ed. Oct. 2018)
Collection Actions (5th ed. Oct. 2020)
Consumer Arbitration Agreements (8th ed. May 2020)
Consumer Banking and Payments Law (6th ed. July 2018)
Consumer Bankruptcy Law and Practice (12th ed. Oct. 2020) (2 volumes)
Consumer Class Actions (10th ed. Mar. 2020)
Consumer Credit Regulation (3d ed. Nov. 2020)
Consumer Warranty Law (6th ed. Jan. 2021)
Credit Discrimination (7th ed. Aug. 2018)
Fair Credit Reporting (9th ed. Oct. 2017) (2 volumes)
Fair Debt Collection (9th ed. Feb. 2018) (2 volumes)
Federal Deception Law (3d ed. May 2017)
Mortgage Lending (3d ed. Sept. 2019)
Repossessions (10th ed. 2022)
Student Loan Law (6th ed. Oct. 2019)
Truth in Lending (10th ed. Sept. 2019) (2 volumes)
Unfair and Deceptive Acts and Practices (10th ed. Aug. 2021)

Archive of Past Chapter Updates