On May 24, 2018 President Trump signed off on a number of changes to consumer protection laws. Many of the changes affect the Truth in Lending Act (“TILA”) and the Fair Credit Reporting Act (“FCRA”). Other changes affect the Servicemembers' Civil Relief Act (“SCRA”) and foreclosure laws. ...
This case of mistaken identity-turn-into-nightmare actually happened. In December 2015 and January 2016, “P&R”, a law firm that represents creditors, sent Mr. Garcia paperwork regarding a lawsuit that pertained to another individual with his name. Mr. Garcia informed P&R of the mix-up and pro...
The Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681 et seq. permits individuals to bring lawsuits against credit bureaus and data furnishers for reporting negative credit information beyond seven years. Our San Diego based law firm handles FCRA cases across California. If you have obsolete in...
Many consumers are unaware of the ability to set aside a default judgment. A common example is when the defendant has never been properly served with the complaint and has no notice that a lawsuit has been filed. The defendant fails to respond to the lawsuit due to the lack of notic...
The Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681 et seq. permits individuals to bring lawsuits against credit bureaus for reporting false information. Our San Diego based law firm handles FCRA cases across California. If you have inaccurate information on your credit report and cannot cl...
With 143 million victims, there's a good chance you may have been impacted by the recent Equifax Data Breach. Our firm is assisting those who have had their sensitive personal information exposed. One question we get is if it makes sense to get a fraud alert or a credit freeze. They can both ...
The amount of student loan debt in America is astounding. The total exceeds $1.3 trillion. There are over 7 million debtors who are in default. If you took all the Americans who have student loans in default the population would exceed that of thirty-nine states. The average amount of student...
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