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24 Feb 2017, 7:43 am by Cathy Moran
appeared first on Northern California Bankruptcy Lawyer. [read post]
26 Jan 2017, 6:59 am by Cathy Moran
There are undoubtedly purposes for which a home equity loan is a sound choice, but sound choices are hard to make when surrounded  home equity line of credit sales pitches promoting fuzzy thinking. [read post]
19 Jan 2017, 8:01 am
It provides an opportunity for states to lead by example, not just as states under the first Pillar but as private oriented investors under the 2nd Pillar. [read post]
19 Jan 2017, 6:34 am by Barbara S. Mishkin
In its August 31 decision, the California federal district court ruled that: CashCall, rather than the tribally-affiliated lender, was the “true lender”;  the laws of the borrowers’ home states should apply rather than the tribal choice-of-law provision in the loan agreements; the loans were void or uncollectible under the laws of most of the relevant states; a CFPA violation could be predicated on a violation of state law; and the individual… [read post]
9 Jan 2017, 9:30 am by Hannah Curtain & George Mallett
In the appellant’s case, the Court considered, had it found in the her favour on the first and second issues, that it was difficult to see how the appellant’s circumstances could justify postponing indefinitely the lender’s right to be repaid [74]. [read post]
23 Dec 2016, 6:54 pm by Kelly Phillips Erb
In most cases, if the change is for the current year, your employer must put those changes into effect no later than the start of the first payroll period ending on or after the 30th day after the day you turn in the form. [read post]
18 Dec 2016, 10:22 pm by Adam Levitin
If the CFPB brought an ECOA enforcement action on this basis against a lender, the Congressional GOP would be howling. [read post]
14 Dec 2016, 7:00 am by Shaswat K. Das and Samuel Wolff
CFPB The Financial Choice Act also would turn the Consumer Financial Protection Bureau (“CFPB”) into a bipartisan, five member commission that is subject to the annual congressional appropriations process. [read post]
7 Nov 2016, 5:12 am by John L. Culhane, Jr.
  At one or more debt collectors, examiners also identified several instances where collectors violated the FDCPA by disclosing the consumer’s debt to a third party (which the CFPB stated was often the result of inadequate identity verification during telephone calls) or by an employee’s disclosure of the debt collection company’s name to a third party without first being asked for that information by the third party. [read post]
13 Oct 2016, 8:01 am by Cathy Moran
The Bankruptcy Code gives you some choices for the car loan: surrender the car;  reaffirm the loan; or redeem the car. [read post]
12 Oct 2016, 12:47 pm by Dykema
” The court’s opinion first addresses constitutional issues and then turns to RESPA issues. [read post]
Choice of Law The UCC applies a special rule for farm products subject to an agricultural lien. [read post]
5 Sep 2016, 11:05 am by Kelly Phillips Erb
So choose a name first – before you incorporate and before you order those business cards. [read post]
22 Aug 2016, 8:58 am by Eugene Volokh
Lenders can “opt in” to receive notice by requesting it in advance. [read post]
5 Jul 2016, 9:09 am by MBettman
Analysis Choice of Remedies Upon Default In the case of a mortgagor’s default, the mortgagee has a choice of remedies to collect the debt that is secured by the mortgage. [read post]