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Quick Reference to the Consumer Credit and Sales Legal Practice Series (1/2/2013)

The Quick Reference to the Consumer Credit and Sales Legal Practice Series found below pinpoints where to find specific topics analyzed in the NCLC treatises. References are to sections. References followed by "S" appear only in a supplement. See ABBREVIATIONS below to see full name of titles being referenced. Also consider the following alternative searches:

Keyword Search, Listing Titles and Pages (showing context) Where Search Term Is Located

Readers should also consider another search option available at www.nclc.org/keyword. There, users can search all nineteen NCLC treatises for a case name, party name, statutory or regulatory citation, or any other word, phrase, or combination of terms. The search engine provides the title, page number and context of every occurrence of that word or phrase within each of the NCLC treatises. Further search instructions and tips are provided on the website.

Searching for Pleadings and Primary Sources

NCLC strongly recommends, when searching for PLEADINGS on a particular subject, that users refer to the Index Guide accompanying Consumer Law Pleadings, and not to this Quick Reference. Another option is to search for pleadings directly on the Consumer Law Pleadings website, using the finding tools that are provided there.

The finding tools found on NCLC’s companion websites are also an effective means to find statutes, regulations, agency interpretations, legislative history, and other primary source material found in manual appendices and on NCLC’s companion websites.

More Detailed Indices Accompanying Each Title

More detailed indexes are found at the end of the individual NCLC volumes. Both the detailed contents pages and the detailed indexes for each treatise are also available on NCLC's online bookstore, www.nclc.org/shop.

Abbreviations

  • AUS = Access to Utility Service (5th ed. 2011)
  • Auto = Automobile Fraud (4th ed. 2011)
  • Arbit = Consumer Arbitration Agreements (6th ed. 2011 and 2012 Supp.)
  • Coll = Collection Actions (2d ed. 2011 and 2012 Supp.)
  • CBPL = Consumer Banking and Payments Law (4th ed. 2009 and 2012 Supp.)
  • Bankr = Consumer Bankruptcy Law and Practice (10th ed. 2012)
  • CCR = Consumer Credit Regulation (2012)
  • CCA = Consumer Class Actions (7th ed. 2010 and 2012 Supp.)
  • CLP = Consumer Law Pleadings (2012)
  • CD = Credit Discrimination (5th ed. 2009 and 2012 Supp.)
  • FCR = Fair Credit Reporting (7th ed. 2010 and 2012 Supp.)
  • FDC = Fair Debt Collection (7th ed. 2011 and 2012 Supp.)
  • FDL = Federal Deception Law (2012)
  • Fore = Foreclosures (4th ed. 2012)
  • Mort = Mortgage Lending (2012)
  • Repo = Repossessions (7th ed. 2010 and 2012 Supp.)
  • Stud = Student Loan Law (4th ed. 2010 and 2012 Supp.)
  • TIL = Truth in Lending (8th ed. 2012)
  • UDAP = Unfair and Deceptive Acts and Practices (8th ed. 2012)
  • Warr = Consumer Warranty Law (4th ed. 2010 and 2012 Supp.)

Quick Reference (Last Updated 1/2/2013)

  • Abandonment of Apartment Building in Bankruptcy--Bankr § 18.8.2
  • Abbreviations Commonly Used by Debt Collectors--FDC Appx. F.4
  • Ability to Pay, Mortgage--Mort § 6.2
  • Abuse of Process--FDC § 9.6; UDAP §§ 6.10.9, 6.10.10
  • Acceleration--Repo § 4.1
  • Accessions--Repo § 3.5.3.2
  • Accord and Satisfaction--CBPL §§ 2.11S, 3.3.1
  • Account Aggregation--CBPL § 4.14
  • Account Stated--Coll § 4.7
  • Accountants--UDAP § 9.4.8
  • Accrediting Agencies, Student Loans--Stud § 12.6.2.2
  • Accurate Information in Consumer Reports--FCR Ch. 4
  • Actuarial Rebates--CCR § 5.8.6.4
  • Adhesion Contracts--UDAP § 5.6.3
  • Adjustable Rate Mortgages--Mort § 2.3.3.1; TIL § 5.13
  • Administration of Lawsuit, Class Action--CCA Ch. 15
  • Admissibility of Other Bad Acts--Auto § 10.8.1
  • Admissions, Requests for--Auto Appx. F.1.4; Coll § 4.2.2; CCA § 8.1.4; CLP; FDC Appx. H.3; Repo Appx. E.5
  • Advertising Credit Terms--TIL §§ 6.4, 13.4
  • Affidavits--Coll; CLP
  • Affordability Programs, Utilities--AUS Ch. 7, Appx. E
  • After-Acquired Property--Repo § 3.4.5.2
  • Age Discrimination re Credit--CD § 3.4.2
  • Airbags--Auto §§ 2.8, 7.5
  • Airline Fare Advertising--UDAP §§ 2.5, 9.2.1
  • Alteration of Checks--CBPL § 2.3.6S
  • Alimony Discharged in Bankruptcy--Bankr § 15.4.3.5
  • Alimony, Protected Source Under ECOA--CD §§ 3.4.1, 5.5.5.3
  • Alternative Dispute Mechanisms--Arbit
  • American Arbitration Association--Arbit Appx. B.1
  • Americans with Disabilities Act--CD § 1.6
  • Amortization Explained--Mort § 2.5.4
  • Amortization, Negative--CCR § 5.3.1.2.1; Mort § 2.3.3.4
  • Amount Financed--TIL § 5.3
  • Annihilating Damages--CCA § 10.5.2.5.5
  • Annual Percentage Rate (APR)--CCR §§ 5.3, 5.4; Mort § 2.4.4; TIL §§ 5.5, 6.6.5
  • Annual Percentage Rate for Variable Rate Loans--TIL § 5.5.6.3
  • Answer and Counterclaims--CLP; Repo Appxs. D.1, D.2
  • Antecedent Debt Clauses--Repo § 3.9
  • Anti-Competitive Conduct As UDAP Violation--UDAP § 5.8
  • Anti-Deficiency Statutes--Repo § 12.6.3
  • Apartment Buildings Abandoned in Bankruptcy--Bankr § 18.8.2
  • Apartment Leases--Bankr § 12.9; UDAP §§ 2.2.6, 8.2
  • Appeal of Order Requiring Arbitration--Arbit § 2.6
  • Appellate Briefs--CLP
  • Applications for Credit--CD § 5.4
  • Appraisal Fraud--Mort § 6.6
  • Appraisals, Right to a Copy--CD § 10.11
  • APR--CCR §§ 5.3, 5.4; Mort § 2.4.4; TIL §§ 5.5, 6.6.5
  • Arbitration--Arbit; Bankr § 13.3.2.5; CCR § 7.4; FDC § 2.4.8; Mort § 10.8; TIL § 12.7; Warr § 13.4
  • Arbitration and Class Actions--Arbit Ch. 9; CCA Ch. 3;
  • Arbitration & Collection Actions--Arbit Ch. 11
  • Arbitration Fees--Arbit §§ 4.5, 6.6.2
  • Arbitration Forum Unavailable--Arbit § 5.8
  • "As Is"--Auto § 8.8.2; Warr Ch. 5
  • Assignee Liability--FDL Ch. 4; TIL § 12.3
  • Assignment of Tax Refunds--CCR Ch. 14
  • Assistance for the Payment of Utility Service--AUS Ch. 7
  • Assisted Living Facilities--UDAP § 9.3.4
  • Assistive Device Lemon Laws--Warr Ch. 16
  • ATM Cards--CBPL Ch. 4
  • ATMs, Bank Liability for Robberies at--CBPL § 4.5.4
  • ATM Payments--CBPL Ch. 4
  • ATMs, Access for Disabled--CBPL § 8.9
  • Attorney As Debt Collector--FDC §§ 4.2.8, 5.2.6, 10.5.3
  • Attorney Fees--Auto §§ 6.8.4, 9.12; Bankr Ch. 16; Coll § 13.1; CD § 11.7.6; FCR § 11.13; FDC §§ 6.8; TIL § 11.9; UDAP § 12.8; Warr §§ 2.7.6, 10.7
  • Attorney Fees, Class Actions--CCA Ch. 18, Appx. E
  • Attorney Fees for Creditors--Coll Ch. 6; Mort § 7.7
  • Attorney Fees, Pleadings--Auto Appx. L; CLP; FDC Appx. J
  • Attorney General Enforcement--UDAP Ch. 13
  • Attorneys Liable Under FDCPA--FDC §§ 4.2.8, 4.6.8
  • Attorneys Liable Under UDAP--UDAP §§ 2.3.9, 9.4.1
  • Auctions--Auto §§ 2.5.4, 2.6.4; Repo §§ 10.7.2, 10.10.6
  • Authorization to Represent--CCA Appx. E
  • Authorization to Sue--CCA § 1.2.4
  • Authorized Users--Coll § 5.3.3
  • Automated Clearing House for Electronic Transfer--CBPL Ch. 4
  • Automatic Stay--Bankr Ch. 9
  • Automobile Accessories--UDAP § 7.9
  • Automobile Auctions--Auto §§ 2.5.4, 2.6.4; Repo §§ 10.7.2, 10.10.6
  • Automobile Dealer Files--UDAP § 7.1
  • Automobile Dealer Licensing--Auto § 7.4, Appx. F
  • Automobile Dealers, Bonding Requirement--Auto § 10.13.4,
    Appx. C
  • Automobile Dealers, Investigation of--Auto Ch. 2
  • Automobile Dealers, Registration with Auction--Auto Appx. E.2
  • Automobile Finance--CCR Ch. 10
  • Automobile Fraud--Auto
  • Automobile Insurance, Force-Placed--CCR § 10.3.8.3; TIL § 3.9.4.4.3; UDAP § 9.5.10
  • Automobile Leases, UCC Article 9 Coverage--Repo § 14.2.1
  • Automobile Leases, Default and Early Termination--Repo § 14.2; TIL Ch. 13; UDAP § 7.6.3
  • Automobile Leases, Misrepresentation--UDAP § 7.6
  • Automobile Leases, Odometer Rollbacks--Auto §§ 5.6.6.5, 5.2.6
  • Automobile Leases, Sublease Scams--UDAP § 7.8.2
  • Automobile Leases, Unconscionability--UDAP § 7.6.5
  • Automobile Pawn Transactions--Bankr § 11.9; CCR Ch. 11; Repo § 3.5.5
  • Automobile Rentals--UDAP § 7.7
  • Automobile Repairs--UDAP § 7.10; Warr Ch. 19
  • Automobile Repossession--FDC § 4.2.6; Repo; UDAP § 6.13
  • Automobile Safety Inspection Laws--Warr § 15.4.6
  • Automobile Sales--UDAP §§ 7.1, 7.4, 7.5; Warr Chs. 14, 15
  • Automobile Service--Warr §§ 10.5.4.2, 19.9
  • Automobile Sublease Scams--UDAP § 7.8.2
  • Automobile Title--Auto §§ 2.3, 2.4, Appxs. D, E; UDAP § 7.3.9; Warr § 15.2
  • Automobile Title Pawn--CCR Ch. 11.
  • Automobile Valuation--Bankr § 11.2.2.3.2
  • Automobile Yo-Yo Abuses--Auto Ch. 4; Repo § 4.6; TIL § 4.5.6; UDAP § 7.3.9
  • Back Office Conversion--CBPL § 4.7.5
  • Bad Checks--Coll Ch. 8; FDC §§ 5.6.4
  • Bailment--Repo Ch. 5
  • Bait and Switch--UDAP § 5.3.1
  • Balance Billing--Coll § 9.3.7
  • Balloon Payments--CCR § 5.3.1.2.2; Mort § 2.3.3.5; TIL § 2.2.4.2.3
  • Bank Account Freeze of Exempt Funds--Coll § 12.6
  • Bank Accounts, Attachment--Coll Ch. 12; CBPL Ch. 10
  • Bank Accounts, Closing--CBPL § 2.7.2.5S
  • Bank Account Garnishment--Coll Ch. 12; CBPL § 10.3
  • Bank Accounts, Joint--Coll § 12.7
  • Bank Accounts, Set-Off--CBPL § 10.4
  • Bank Fees--CBPL § 4.14.5
  • Bank Accounts, Unfair Practices--UDAP §§ 4.4.9, 6.9
  • Bankruptcy Abuse Prevention and Consumer Protection Act--Bankr; Stud § 10.2
  • Bankruptcy and Debt Collection--Bankr § 9.4.4; FDC § 2.2
  • Bankruptcy and Security Interests--Repo Ch. 8
  • Bankruptcy and Utility Service--AUS §§ 13.1, 15.1; Bankr § 9.8
  • Bankruptcy, Claims Against Landlords in--Bankr § 18.8
  • Bankruptcy, Claims Against Creditors, Merchants in--Bankr Ch. 18; UDAP § 10.4.5
  • Bankruptcy Code, Text--Bankr Appx. A
  • Bankruptcy, Consumer Reports of--FCR Ch. 4, §§ 5.2.3.8, 12.6.8
  • Bankruptcy Court As Litigation Forum--Bankr Ch. 14
  • Bankruptcy Discharge of Student Loans--Stud Ch. 10
  • Bankruptcy Forms--Bankr Appxs. D, E, G
  • Bankruptcy Petition Preparers--Bankr § 16.6; UDAP § 9.4.3
  • Benefit Overpayments and Bankruptcy--Bankr § 15.5.5.4
  • Billing Errors--FDC § 5.7; Fore § 9.2.2
  • Billing Error Procedures, Credit Cards--CBPL § 6.3S; TIL § 7.9
  • Bill Stuffers--Arbit § 5.6.4
  • Binding Arbitration--Arbit
  • Blanket Security Interests--Repo § 3.4.5.2.2
  • Bond, Claims Against Seller's--Auto § 10.13.4, Appx. C; UDAP § 10.4.5
  • Bonding Statutes--Auto Appx. C
  • Book-of-the-Month Clubs--FDL § 2.7
  • Bounced Checks--CBPL § 2.8S
  • Breach of Contract--UDAP § 5.6.5
  • Breach of the Peace and Repossession--Repo § 6.4
  • Breach of Warranties--UDAP § 5.6.7.1; Warr
  • Briefs, Class Action--CCA Ch. 10
  • Broadband, National Plan--AUS § 2.1
  • Broker Fees--Mort § 7.3
  • Brokers, Auto--UDAP § 7.8.2
  • Brokers, Loan--Mort Ch. 7; UDAP §§ 2.2.1, 6.2
  • Budget Payment Plans--AUS § 6.3.3.1
  • Burglar Alarm Systems--UDAP § 8.6.2
  • Business Credit, Discrimination re--CD § 2.2.6.4
  • Business Opportunities--UDAP § 2.2.9.2
  • Buy Here, Pay Here Car Sales--UDAP § 7.4.14
  • Buy Rate--UDAP § 7.5.6
  • Buying Clubs--UDAP § 9.1.6
  • Calculating Interest Rates--CCR Ch. 5
  • Campground Resort Memberships--UDAP §§ 2.2.8, 9.1.5
  • Cancellation Rights--FDL § 2.5; TIL Ch. 10; UDAP § 5.6.6
  • Cardholders' Defenses--TIL §§ 7.9/-/7.11
  • Carfax--Auto § 2.3.2
  • Cars--See Automobile
  • Case Selection--CCA § 1.2
  • Case Summaries, FDCPA--FDC Appx. K
  • Cash Discounts--TIL § 7.14.4
  • Cashier's Checks--CBPL Ch. 5
  • Chapter 7 Bankruptcy--Bankr Ch. 3
  • Chapter 11 Bankruptcy--Bankr §§ 6.3.4, 18.7
  • Chapter 12 Bankruptcy--Bankr Ch. 17
  • Chapter 13 Bankruptcy--Bankr Ch. 4
  • Charge Cards--TIL § 6.2.4.3
  • Charitable Contributions--Bankr § 1.1.2.6
  • Charitable Solicitations--UDAP § 9.6.5
  • Check 21--CBPL § 2.12S, Appx. B
  • Check Advancement Loans--CCR Ch. 9
  • Check Approval Companies--FCR § 2.6.2.2
  • Check Cashing Services--UDAP § 6.9
  • Check Cashing Regulation--CBPL § 3.6
  • Check Collection Agencies Working for District Attorneys--FDC § 1.5.8.2
  • Check Guarantee Companies--FDC § 4.2.3
  • Checklist, Automobile Fraud Litigation--Auto § 1.4
  • Checklist, Debt Collection--FDC Appx. G
  • Checklist, Truth in Lending--TIL §§ 1.7, 3.11
  • Checks--CBPL Ch. 2
  • Checks, Bad--Coll Ch. 8; CBPL § 2.8S; FDC § 5.6.4
  • Checks, Preauthorized Draft--CBPL § 2.3.2S; UDAP § 6.9
  • Child Support, Credit Reports--FCR § 7.4.2
  • Child Support Discharged in Bankruptcy--Bankr § 15.4.3.5
  • Children in Household, Discrimination Based On--CD § 3.5.1
  • Choice of Laws--CCR § 3.8; Repo § 2.6
  • Churning Repossession Schemes--Repo § 10.11
  • Civil Rights Act--CD § 1.5
  • Class Actions Fairness Act of 2005--CCA §§ 2.4, 13.7, 13.8
  • Class Actions--Auto § 10.7, Appx. H; CCA; FCR § 11.2.2; FDC §§ 6.2.2, 6.6; TIL §§ 10.9.9, 11.8; UDAP § 12.5
  • Class Actions and Arbitration--Arbit Ch. 9; CCA Ch. 3
  • Class Actions and Diversity Jurisdiction--CCA §§ 2.3, 2.4
  • Class Actions Guidelines for Settlement, NACA--CCA Appx. D
  • Class Actions in Bankruptcy Court--Bankr §§ 13.7, 18.4.2
  • Class Actions, Removal to Federal Court--CCA § 2.7
  • Class Arbitration--Arbit Ch. 9; CCA Ch. 3
  • Class Certification Motions, Sample--CCA Appx. P; CLP
  • Class Definitions--CCA Ch. 4
  • Class Notices--CCA Ch. 12, Appxs. S, V
  • Client Authorization to Represent--CCA Appx. E
  • Client Authorization to Sue--CCA § 1.2.4
  • Client Contacts with Other Parties--CCA §§ 1.2.6, 6.3
  • Client Handout on Bankruptcy--Bankr Appx. K
  • Client Handout on Credit Discrimination--CD Appx. I
  • Client Handout on Credit Reporting--FCR Appx. L
  • Client Interview Checklist, Bankruptcy--Bankr Appx. F
  • Client Interview Checklist, Debt Collection Harassment--FDC Appx. F
  • Client Retainer Forms, Sample--CLP
  • Closed-End Auto Leases--Repo § 14.2; TIL Ch. 13
  • Closed-End Credit--TIL Chs. 4, 5
  • Closed School Discharge--Stud § 9.3
  • Closing Arguments, Sample--Auto Appx. I; CLP
  • Coercive Sales Techniques--UDAP § 5.5
  • Collateral--Repo
  • Collateral Estoppel--CCA Ch. 17
  • Collection Fees--Coll § 6.6; Stud § 7.3
  • Collection Lawsuits--Coll
  • Collection of Student Loans--Stud Ch. 7
  • Collection via Arbitration--Arbit Ch. 11
  • College Cost Reduction and Access Act of 2007--Stud
  • Colleges and Credit Cards--TIL § 7.6.3
  • College Transcripts and Bankruptcy--Bankr §§ 9.4.4, 15.5.5.2
  • Collision Damage Waiver (CDW)--UDAP § 7.7
  • Common Law Fraud, Misrepresentation--Auto Ch. 8; Warr § 11.4
  • Common Law Right to Utility Service--AUS § 2.1
  • Common Law Violations and Credit Reporting--FCR § 10.4
  • Common Law Warranties--Warr § 19.4
  • Communications to Client from Other Attorney--CCA § 6.3; FDC § 5.3.3
  • Community Reinvestment Act--CD § 1.9
  • Compensating Balances--CCR § 4.4.4
  • Complaint Drafting, Class Actions--CCA Ch. 5
  • Complaints--Auto Appx. G; CCA Appx. F; CLP; CD Appx. G; FCR Appx. J.3; FDC Appx. G; Repo Appxs. D.3, D.4; TIL Appxs. D, E; Warr Appx. J
  • Compound Interest--CCR § 5.5.1
  • Computers, Sale of--UDAP § 8.9.3
  • Condominium Warranties--Warr Ch. 18
  • Consignment--Repo § 9.6.3.3
  • Consolidation Loan--Stud § 6.2
  • Conspiracy in Odometer Case--Auto § 5.7
  • Contract Formation of Arbitration Agreement--Arbit Ch. 5
  • Constructive Strict Foreclosure--Repo §§ 10.5.2, 12.5
  • Consumer Class Actions--CCA
  • Consumer Credit Reporting Reform Act of 1996--FCR § 1.4.6
  • Consumer Guide to Credit Reporting--FCR Appx. L
  • Consumer Leasing Act--TIL Ch. 13, Appx. H.1
  • Consumer Recovery Funds--Auto § 10.13.5
  • Consumer Reporting Agencies--FCR
  • Consumer Reporting Agency List and Addresses--FCR Appx. N
  • Consumer Reporting Agencies, Enforcement Agreements--FCR Appx. K
  • Consumer Reports, Disputing--FCR Ch. 4
  • Consumer Reports, Keeping Credit Disputes Out of--FCR § 12.4
  • Consumer Reports for Business Transactions--FCR §§ 2.3.6.2, 2.3.6.8, 7.2.8
  • Consumer Reports for Employment Purposes--FCR §§ 2.3.6.4, 7.2.4
  • Consumer Reports for Government Benefits--FCR §§ 2.3.6.6, 7.2.6
  • Consumer Reports for Insurance Purposes--FCR §§ 2.3.6.5, 7.2.5
  • Consumer Reports from Non-Reporting Agencies--FCR § 8.12.1
  • Consumer/Seller Liability Under Odometer Act--Auto § 5.8.14
  • Contests--UDAP §§ 5.3.6, 9.6.4
  • Contractual Misrepresentations--UDAP § 5.6.4
  • Cooling Off Periods--FDL § 2.5; TIL Ch. 10; UDAP § 5.6.6
  • Correspondence Schools--Stud Ch. 12
  • Cosigners--Bankr § 9.4.5; CD § 5.4; FDL § 2.3; Repo § 12.9; TIL §§ 2.2.2.2, 11.2.2
  • Counseling the Debtor--Bankr Ch. 6
  • Counterclaims--Coll § 5.5
  • Coupon Settlement, Class Actions--CCA § 13.8
  • Cramming--AUS § 11.6.5
  • Credit Abuses--CCR; Mort; UDAP § 2.2.1, Ch. 6
  • Credit Accident and Health Insurance--CCR §§  6.3.1.3, 6.6.1.3; TIL §§ 3.7.9, 3.9.4
  • Credit Balances--TIL § 7.14.3; UDAP § 6.8.3.3
  • Credit CARD Act--CCR Ch. 8; TIL Chs. 6/-/8
  • Credit Card Change in Terms--CCR Ch. 8; TIL §§ 7.2, 7.3
  • Credit Card Finders--UDAP § 6.8.3.1
  • Credit Card Issuers, Raising Seller-Related Claims Against--CBPL § 6.5S; FDL Ch. 4; TIL § 7.11
  • Credit Card Issuer's Security Interest in Goods Purchased--Repo § 3.6
  • Credit Card Payment Protections--CCR Ch. 8; TIL § 7.7
  • Credit Card Penalty Fees--CCR Ch. 8; TIL  § 7.5
  • Credit Card Surcharges--TIL § 7.14.4
  • Credit Card Unauthorized Use--TIL § 7.10
  • Credit Cards--CBPL Ch. 6; CCR Ch. 8; FDC § 4.2.3; TIL Chs. 6, 7; UDAP § 6.8
  • Credit Cards, Reporting Services for Lost--UDAP § 6.4.5
  • Credit Charges--CCR Ch. 4; Mort Ch. 8; UDAP § 5.1.6
  • Credit Denial, Notice--CD § 10.5; FCR § 8.5
  • Credit Disability Insurance--CCR §§ 6.3.1.3, 6.6.1.3; Fore § 6.2.2; TIL §§ 3.7.9, 3.9.4
  • Credit Evaluation--CD §§ 6.2, 6.3
  • Credit File, Disputing and Right to See--FCR Chs. 3, 4
  • Credit Insurance--CCR Ch. 6; Repo § 4.2.1; TIL §§ 3.7.9, 3.9.4; UDAP § 9.5.9
  • Credit Life Insurance--CCR §§ 6.3.1.2, 6.6.1.2; TIL §§ 3.7.9, 3.9.4
  • Credit Math--CCR Ch. 5; Mort § 2.6
  • Credit Property Insurance--CCR §§ 6.3.1.5, 6.4.3.2, 6.6.1.4, 6.6.4; TIL §§ 3.9.4.4, 3.9.4.6
  • Credit Rating, Injury to--FCR § 11.11.2.3; UDAP § 12.3.3.6
  • Credit Regulation, History of--CCR § 1.2
  • Credit Repair Organizations--FCR Ch. 15; UDAP § 6.14.1
  • Credit Reporting Agencies, Contacting--FCR Ch. 3
  • Credit Reporting Sample Forms--FCR Appx. I
  • Credit Reports--AUS § 5.2.5; FCR; TIL § 7.9.6.5
  • Credit Reports, Affiliate Sharing--FCR §§ 2.4.3, 3.3.1.3.3, 8.12.1
  • Credit Reports, Furnishers of Information Obligations--FCR Ch. 6
  • Credit Reports, Keeping Credit Disputes Out of--FCR § 12.4
  • Credit Reports from Non-Reporting Agencies--FCR § 8.12.1
  • Credit Scams--UDAP Ch. 6
  • Credit Scoring--AUS § 5.2.5; CD § 6.4; FCR Ch. 14
  • Credit Terms--CCR; Mort Ch. 8; UDAP §§ 6.4, 6.6
  • Creditor Remedies--Coll Ch. 12; UDAP § 6.10
  • Creditors, Types of--CCR § 1.4
  • Creditors Filing Bankruptcy--Bankr Ch. 18
  • Creditworthiness--Bankr § 6.2.2.3
  • Criminal Prosecution Threats--Coll Ch. 8
  • Cross-Collateral--Repo § 3.7.2
  • Cross Metering, Utility Service--AUS § 4.2
  • Cruise Line Port Charges--UDAP § 9.2.2
  • Cure of Default--Repo §§ 4.5, 13.2.4.4
  • Cy Pres--CCA § 13.9
  • Daily Accrual Accounting--Mort § 2.3.4
  • Damages--FCR Ch. 11; FDC §§ 2.5.2, 6.3, Ch. 10; Repo Ch. 13; TIL Ch. 11; UDAP § 12.3; Warr §§ 10.3/-/10.5
  • Damage to Credit Rating--UDAP § 12.3.3.6
  • Dance Studios--UDAP § 9.1.4
  • Daubert Doctrine--Warr § 13.8.4
  • Dealer's Only Auto Auctions--Repo § 10.10.4
  • Debit Cards--CBPL Ch. 4
  • Debt Buyers--Coll § 1.4; FDC § 1.5.4
  • Debt Cancellation Agreements--TIL §§ 3.7.10, 3.9.4.7
  • Debt Collection--Coll; FDC; UDAP §§ 2.2.2, 6.10
  • Debt Collection and Bankruptcy--FDC § 2.2
  • Debt Collection by Arbitration--Arbit Ch. 11
  • Debt Collection Case Preparation--FDC Ch. 2
  • Debt Collection Improvement Act--Coll Appx. F.1
     
    Debt Collection Procedures Act--Coll § 10.3
  • Debt Collectors--FDC § 1.4, Ch. 4
  • Debt Collector's Common Abbreviations--FDC Appx. F.4
  • Debt Harassment, How to Stop--FDC § 2.3
  • Debtor in Possession Under Chapter 12--Bankr § 17.3
  • Debtor's Examination--Coll § 12.11
  • Debt Pooling--FDC § 1.10.5
  • Deceit--Warr § 11.4
  • Deception--FDC § 5.5; UDAP § 4.2
  • Deceptive Practices Statutes--See UDAP
  • Deceptive Pricing--UDAP § 5.3.3
  • Defamation--FCR § 10.5.2; FDC § 9.5
  • Deeds-in-Lieu of Foreclosure--Fore § 2.5.2
  • Defamatory Use of Mail--FDC § 8.1
  • Default--Repo Ch. 4
  • Default Insurance--TIL § 3.7.7
  • Default Judgments, Setting Aside--Coll § 11.3
  • Defective Automobile Title--Auto
  • Defenses As Grounds for Nonpayment--Coll; Repo § 4.4
  • Defenses to Credit Card Charges--Coll; CBPL § 6.5S; TIL §§  7.9/-/7.11
  • Deferment of Student Loan--Stud § 4.3
  • Deferral Charges--CCR § 4.8.6.1
  • Deferred Payment Plans--AUS § 6.3.3.3
  • Deficiency Actions--Repo Ch. 12, Appx. C.1
  • Deficiency Judgments--Fore § 16.3
  • Delay--UDAP § 5.7.2
  • Delaying Tactics, Opposing--CCA Ch. 7
  • Delinquency Charges--See Late Charges
  • Deliverable Fuels--AUS § 15.3
  • Demonstrator Vehicles--Auto §§ 1.4.9, 2.1.7
     
    Denial of Credit, Notice--FCR § 8.5
  • Department of Housing and Urban Development (HUD)--CD § 12.3.1, Appx. D; Fore Chs. 2, 4, § 3.2
  • Department of Motor Vehicles--Auto Appx. D
  • Deposit, Consumer's Right to Return When Seller Files Bankruptcy--Bankr § 18.5
  • Depositions in Class Actions--CCA § 8.1.3.4, Ch. 9
  • Deposition Notice, Sample--CLP
  • Deposition Questions, Sample--Auto § 10.5.7; CLP
  • Depository Creditors--Coll Ch. 12; CCR 3.4 2
  • Deregulation of Utilities--AUS Ch. 1
  • Detinue--Repo Ch. 5
  • Digital Divide--CD § 3.8.2
  • Direct Deposits--CBPL Ch. 9
  • Direct Express Cards--CBPL § 7.10.2
  • Disabilities, Discrimination Based On--CD § 3.5.2
  • Disability Discharge--Stud § 9.7
  • Disabled Access to ATMs--CBPL § 8.9
  • Discharge in Bankruptcy--Bankr Ch. 15
  • Discharge of Indebtedness Income--Fore § 16.6.3
  • Discharging Student Loan Obligations--Stud Ch. 9, § 10.2
  • Disclaimers, Warranties--Warr Ch. 5
  • Disclosure and UDAP--UDAP § 4.2.14
  • Disclosure of Credit Terms--TIL
  • Disconnection of Utility Service--AUS Chs. 6, 15
  • Discovery--Auto § 10.5, Appx. H; CLP; see also Interrogatories; Document Requests
  • Discovery, Arbitration--Arbit § 2.4, Appx. C
  • Discovery, Class Actions--CCA Ch. 8, Appx. I; CLP
  • Discovery, Motions to Compel--CCA Appxs. J, K; CLP
  • Discrimination in Collection Tactics--FDC § 8.8
  • Discrimination re Credit--CD
  • Discriminatory Mortgage Pricing--Mort § 6.3
  • Disposition of Repo Collateral--Repo Chs. 9, 10
  • Dispute Resolution Mechanisms--Warr §§ 2.8, 14.2.9
  • Disputing Information in Consumer Report--FCR Ch. 4
  • District Attorneys Hiring Check Collection Agencies--FDC § 1.5.8.2
  • Document Preparation Fees--TIL § 3.9.6.2.3; UDAP § 7.2.8
  • Document Requests, Sample--Arbit Appx. C; Auto Appx. F; CCA Appx. I; CLP; CD Appx. H; FDC Appx. H.2; Repo Appx. E.2; TIL Appx. F.3; Warr Appx. K.3
  • Document Requests, Sample Objection to--CCA Appx. M.4
  • Dodd-Frank Wall Street Reform and Consumer Protection Act--CBPLS; CCR Ch. 3; FCR; Mort; TIL; UDAP
  • Dodd-Frank and Preemption--CCR Ch. 3; Mort Ch. 5; UDAP § 2.5
  • Dodd-Frank and TILA--TIL §§ 1.2.11, 1.3, Ch. 9
  • D'Oench, Duhme Doctrine--Fore § 6.17.3; Mort § 11.6; Repo § 12.10; UDAP § 10.8.2
  • Door-to-Door Sales--FDL § 2.5
  • Double Cycle Billing--TIL § 7.4
  • Dragnet Clauses--Repo § 3.9
  • Driver Privacy Protection Act--Auto § 2.2.4, Appx. A.2
  • Driver's Licenses and Bankruptcy--Bankr §§ 15.5.4, 15.5.5.1
  • Drunk Driving Debts in Bankruptcy--Bankr § 15.4.3.9
  • Due on Sale Clauses--Fore § 4.6.5
  • Due Process--Fore §§ 3.1.2.2, 4.4
  • Dunning, How to Stop with Sample Letters--FDC § 2.3
  • Duress--AUS § 5.1.9
  • Duty of Good Faith and Fair Dealing--CCR § 2.4.10; Mort § 4.11
  • Early Termination Penalties in Auto Leases--TIL § 13.5
  • Earned Income Tax Credit--Bankr § 2.5.5
  • EBT--CBPL Ch. 8
  • E-Commerce, Jurisdiction--CCR § 2.5
  • EFT 99--CBPL Ch. 9
  • Election of Remedy Statutes--Repo § 12.4
  • Electric Service--AUS § 1.2.2; UDAP § 8.5.2
  • Electronic Banking--CBPL Ch. 4
  • Electronic Benefit Transfers--CBPL Ch. 8
  • Electronic Check Conversion--CBPL Ch. 4
  • Electronic Check Images--CBPL § 2.12.1S
  • Electronic Credit Transactions--CCR § 2.5
  • Electronic Disclosure--TIL §§ 4.3, 6.3.5, 9.7.8; UDAP § 4.2.14.3.9
  • Electronic Fund Transfers--CBPL Chs. 4, 9
  • Electronic Repossession--Repo § 6.6
  • Electronic Check Representment--CBPL § 2.8.6S
  • Electronic Signatures and Records--CBPL Ch. 11
  • Electronic Transaction Fraud--CBPL Ch. 4; FDL §§ 5.4.3, 5.4.4
  • Electronic Transfer Account (ETA)--CBPL § 9.5
  • Employer Bankruptcy--Bankr § 18.7.12
  • Employment Agencies--UDAP § 9.6.2
  • Encyclopedia Sales--UDAP § 8.9.7
  • Endorsements--UDAP § 5.4.8
  • Energy Savings Claims--UDAP § 8.9.1
  • Enforceability of Arbitration Clause--Arbit
  • Equal Credit Opportunity Act--AUS § 5.2.2; CD
  • Equal Credit Opportunity Act Regulations--CD Appx. B
  • E-Sign--CBPL Ch. 11; CCR § 2.5
  • ETAs (Electronic Transfer Accounts)--CBPL § 9.5
  • Ethnic Discrimination--CD § 3.3.3
  • Evictions--AUS § 6.8; FDC § 1.10.2; UDAP § 8.2.8
  • Evidence Spoliation--Warr § 13.2.5
  • Evidentiary Issues in Automobile Litigation--Auto § 10.8
  • Exempt Benefits and Bank Accounts--Coll § 12.6
  • Exempt Benefits and Bankruptcy--Bankr § 10.2.2.11
  • Exemption Laws, Liberal Construction--Coll § 12.2.1
  • Exemption Planning--Bankr § 10.4.1
  • Exemptions, Benefits, Earnings, Due Process Protections--Coll Ch. 12
  • Exemption Statutes--Coll Appxs. B, C, D, G
  • Expert Inspection--Warr § 13.6.1
  • Experts, Attorney Fee Award for--UDAP § 12.8.7.3
  • Expert Witnesses--FDC § 2.4.14; Warr § 13.8
  • Expert Witnesses, Sample Questions--Auto Appx. I
  • Exportation of Interest Rates--CCR § 3.4
  • Express Warranties--Warr Ch. 3
  • Expressio Unius Est Exclusio Alterius--CCR § 7.2.2
  • Extended Warranties--See Service Contracts
  • Extortionate Collection--FDC § 8.5
  • FACT Act--FCR
  • FACT Act Regulations--FCR Appx. B
  • Factoring--CCR Ch. 13
  • Failed Banks, Bringing Claims Against--Mort Ch. 11
  • Fair Credit Billing Act--AUS § 6.3.5; CBPL § 6.3S; FCR § 12.4.2; TIL § 7.9
  • Fair Credit Reporting Act--FCR; FDC § 8.6
  • Fair Debt Collection Practices Act--FDC Chs. 3/-/7, Appxs. A, B, K
  • Fair Housing Act--CD
  • Fair Housing Act Regulations--CD Appx. D
  • False Certification Discharge--Stud § 9.4
  • False Pretenses, Obtaining Consumer Reports--FCR § 7.7
  • Family Expense Laws--Coll § 9.6; CD § 9.3
  • Farm Reorganizations, Bankruptcy--Bankr Ch. 17
  • Farmworker Camps--UDAP §§ 2.2.7, 8.2.9
  • Faxes, Junk--FDL § 6.4
  • Federal Agency Collection Actions--Coll Ch. 10
  • Federal Arbitration Act--Arbit Ch. 3, Appx. A
  • Federal Benefit Payments, Electronic--CBPL Ch. 9
  • Federal Civil Rights Acts--AUS § 5.2.1; CD
  • Federal Direct Deposit of Benefits--CBPL Ch. 9
  • Federal Direct Student Loans--Stud
  • Federal Employee Salary Offset Statute--Coll Appx. F.2
  • Federal Energy Regulatory Commission (FERC)--AUS § 1.2.2.2
  • Federal False Claims Act--FDL Ch. 9
  • Federal Exemptions--Coll Appx. B, C, D
     
    Federal Family Education Loans--Stud
  • Federal Preemption--FDC §§ 2.2, 6.12.1; UDAP § 2.5
  • Federal Preemption of State Usury Laws--CCR Ch. 3; Mort Chs. 5, 8
  • Federal Racketeering Statute (RICO)--Auto § 9.5; FDC § 8.5; FDL Chs. 7, 8, Appx. E.1
  • Federal Reserve Board--See FRB
  • Federal Trade Commission--See FTC
  • Fee Harvester Credit Cards--TIL § 7.8
  • Fees--CCR Ch. 4; Mort Ch. 7; TIL § 3.7
  • FDIC Process to Bring Claims Against Failed Banks--Mort Ch. 11
  • FHA Mortgage Foreclosure--Fore Ch. 3
  • Fiduciary Duty--CCR § 2.4.5; Mort §§ 4.9, 7.2.3
  • Fifth Amendment Privilege--Auto § 10.8.6.8
  • Filed Rate Doctrine--UDAP § 8.5.3.1
  • Film Developing Packages--UDAP § 8.9.8
  • Finance Charge--CCR Ch. 4; TIL Ch. 3
  • Finance Charges, Hidden--CCR § 4.4; TIL § 3.10
  • Finance Companies--CCR § 1.4.5; UDAP §§ 2.2.1, 6.4
  • Flipping--CCR § 5.9; Mort § 6.4; UDAP § 6.4
  • Flipping of Property--Mort § 6.5
  • Flood Damage to Vehicle--Auto § 2.1.3
  • Food Advertising--UDAP § 9.3.2
  • Food Stamps, Electronic Payment--CBPL Ch. 8
  • Forbearance of Student Loans--Stud § 4.4
  • Forbearance Plans, Mortgage Loans--Fore § 2.4.3
  • Force-Placed Automobile Insurance--CCR § 10.3.8.3; TIL § 3.9.4.4.3; UDAP § 9.5.10
  • Foreclosure--Fore
  • Foreclosure, False Threat--Repo Ch. 6
  • Foreclosure, Government-Held Mortgages--Fore Ch. 3
  • Foreclosure Mediation--Fore § 4.8
  • Foreclosure, Preventing Through Bankruptcy--Bankr Ch. 9, §§ 10.4.2.6.4, 11.5, 11.6; Fore Ch. 10
  • Foreclosure, Preventing Through Refinancing--Fore § 2.3.2
  • Foreclosure, Preventing Through Rescission--Fore § 6.5.2; TIL Ch. 10
  • Foreclosure, Preventing Through Workouts--Fore Ch. 2
  • Foreclosure, Rescue Scams--Fore Ch. 17; TIL § 6.8.5, 9.10.3
  • Foreclosure, Setting Aside--Fore § 16.2
  • Foreclosure, Summary of State Laws--Fore Appx. E
  • Foreclosures and UDAP--Fore § 6.4; UDAP § 6.13
  • Forged Signatures, Indorsements--CBPL §§ 2.3.1S, 2.3.3S
  • Franchises--FDL § 2.8; UDAP § 2.2.9.2
  • Fraud--UDAP; Warr § 11.4
  • Fraud and Arbitration--Arbit Ch. 6
  • FRB (Federal Reserve Board) Official Staff Commentary on Reg. B--CD Appx. C
  • FRB Official Staff Commentaryon Reg. M--TIL Appx. H.3
  • FRB Official Staff Commentaryon Reg. Z--TIL Appx. C
  • Free Offers--UDAP § 5.3.4
  • Freezer Meats--UDAP § 8.9.4
  • FTC (Federal Trade Commission)--UDAP
  • FTC Act, No Private Action Under--FDL § 2.2.3
  • FTC Cooling Off Period Rule--FDL § 2.5, Appx. A.4
  • FTC Credit Practices Rule--Coll Appx. E; FDL § 2.3, Appx. A.9; Repo § 3.4.2
  • FTC FCR Enforcement Actions--FCR Appx. K
  • FTC FCR Official Staff Commentary--FCR Appx. D
  • FTC FDCPA Official Staff Commentary--FDC § 3.3.6, Appx. C
  • FTC Funeral Rule--FDL § 9.2, Appx. A.10
  • FTC Holder Rule--FDL Ch. 4, Appx. A.5
  • FTC Mail or Telephone Order Merchandise Rule--FDL § 2.6, Appx. A.6
  • FTC Staff Letters on FCR--FCR Appx. E
  • FTC Staff Letters on FDCPA--FDC § 3.3.5, Appx. B
  • FTC Telemarketing Sales Rule--FDL Appx. C.1.2
  • FTC Used Car Rule--UDAP § 7.2.2; Warr § 15.8, Appx. D
  • Funds Availability--CBPL § 3.4
  • Funerals--FDL § 9.2
  • Furniture Sales--UDAP § 8.9.5
  • Future Advance Clauses--Repo § 3.9
  • Future Service Contracts--UDAP § 9.1
  • GAP Insurance--TIL §§ 3.7.10, 3.9.4.7
  • Garnishment--Coll Ch. 12, Appx. B; FDC § 5.5.7
  • Garnishment of Bank Account--CBPL § 10.3
  • Garnishment to Repay Student Loans--Stud § 8.3, Appx. B.5.1
  • Gas Service--AUS § 1.2.1; UDAP § 8.5.2
  • Gasoline, Price Gouging--UDAP § 8.5.1.5
  • Gift Cards--UDAP § 6.9.6
  • Government Benefits--FCR §§ 2.3.6.6, 7.2.6
  • Government Checks--CBPL Ch. 9
  • Government Collection Practices--Coll Ch. 10; Stud Chs. 7, 8
  • GPS Devices--UDAP § 7.7.5
  • Gramm-Leach-Bliley Act--CCR § 6.4.8; FCR § 16.4.1
  • Gray Market Sales--Auto § 1.4.12; Warr § 14.7
  • Guaranteed Student Loans--Stud
  • Guarantees--UDAP § 5.6.7.3
  • Guarantors--Bankr § 9.4.5; CD § 5.4; FDL § 2.3; Repo § 12.9; TIL §§ 2.2.2.2, 11.2.2
  • Hague Convention--Warr § 13.3.10
  • HAMP--Fore § 2.8.2; Bankr. § 11.6.1.5
  • HARP--Fore § 2.8.6
  • Handguns--UDAP § 8.9.6
  • Handicapped, Discrimination Against--CD § 3.5.2
  • Handouts--See Client Handouts
  • Health Care Bills--Bankr § 6.2.2.4.1; Coll Ch. 9
  • Health Care Plans, Misrepresentations--UDAP § 9.3.6
  • Health Care Treatment, Discrimination In--CD § 2.2.2.6
     
    Health Cures, Misrepresentations--UDAP § 9.3
  • Health Spas--UDAP § 9.1.3
  • Hearing Aids--UDAP § 9.3.1
  • Heating Fuel--AUS §§ 1.2, 15.3; UDAP § 8.5
  • HELOC--TIL Ch. 8
  • Hidden Interest--CCR § 4.4; TIL § 3.10
  • High Cost Loans, State Laws--Mort § 4.4
  • High Pressure Sales--UDAP § 5.5
  • Hill-Burton Act Compliance--FDL § 9.2
  • Holder in Due Course--FDL Ch. 4; Mort § 10.7
  • Home Builders--UDAP § 8.3.2
  • Home Equity Lines of Credit--TIL Ch. 8
  • Home Equity Loans--TIL Ch. 9
  • Home Heating Fuel--AUS §§ 1.2, 15.3; UDAP § 8.5
  • Home Improvement Practices--TIL § 10.5.3; UDAP § 8.4; Warr § 19.7, Appx. J.4
  • Home Mortgage Disclosure Act--CD § 4.4.5, Appxs E, J
  • Home Mortgage, Rescission of--TIL Ch. 10, Appx. E.3
  • Home Owners' Loan Act--Mort. § 3.11.1, Ch. 5
  • Home Ownership & Equity Protection Act--Fore § 6.7; TIL Ch. 9, Appx. E.2.3
  • Homes and UDAP--UDAP §§ 2.2.5, 8.3
  • Homes, Warranties--Warr Ch. 18
  • Homestead Exemptions, Bankruptcy--Bankr § 10.2.2.2
  • Horizontal Privity--Warr § 6.3
  • Hospital Bills--Coll Ch. 9
  • House Warranties--Warr Ch. 18
  • Household Goods, Bankruptcy Exemption--Bankr §§ 10.2.2.4, 10.4.2.4
  • Household Goods Security Interest--FDL § 2.3; Repo § 3.4; TIL § 5.8
  • Household Goods Security Interest, Credit Property Insurance on--CCR § 6.6.4
  • Houses and UDAP--UDAP §§ 2.2.5, Ch. 8
  • HUD (Department of Housing and Urban Development)--CD § 12.3.1, Appx. D; Fore Chs. 2, 4, § 3.2
  • Identity Theft--Coll § 5.3.2; FCR Ch. 9
  • Illegal Conduct--UDAP § 4.3.9
  • Immigrant Consultants, Deceptive Practices--UDAP § 9.4.2
  • Immigrant Status, Discrimination Based On--CD § 3.3.3.3
  • Implied Warranties--Warr Ch. 4
  • Imprisonment for Debt--Coll § 12.10
  • Improvident Extension of Credit--TIL § 7.6, Ch. 9; UDAP § 6.3
  • Incapacity As a Defense--Coll § 5.4.1
  • Income Verification for Mortgage--TIL § 9.3.3
  • Incomplete Information in Consumer Reports--FCR Ch. 4
  • Industrial Loan Laws--CCR § 2.3.4
  • Infancy--Coll § 5.4.1.2
  • Infliction of Emotional Distress--FDC § 9.2
  • In Forma Pauperis Filings in Bankruptcy--Bankr §§ 14.6, 17.6
  • Informal Dispute Resolution--Warr § 2.8
  • Injunctions--FDC § 6.7; UDAP § 12.6
  • Insecurity Clauses--Repo § 4.2.2
  • Insolvent Banks, Claims Against--Mort Ch. 11
  • Inspection by Experts--Warr § 13.6.1
  • Installment Sales Laws--CCR §§ 2.3.5, 2.3.6, Ch. 10
  • Insurance and Arbitration--Arbit § 3.3.4
  • Insurance and UDAP--UDAP §§ 2.3.1, 9.5
  • Insurance Consumer Reports--FCR §§ 2.3.6.5, 2.6.8, 7.2.5
  • Insurance, Credit--CCR Ch. 6; TIL §§ 3.7.9, 3.9.4; UDAP § 9.5.9
  • Insurance, Illusory Coverage--UDAP § 9.5.5
  • Insurance Packing--CCR § 6.7; UDAP § 9.5.11
  • Insurance Redlining--CD § 7.3
  • Insurance, Refusal to Pay Claim--UDAP § 9.5.3
  • Intentional Infliction of Emotional Distress--FDC § 9.2
  • Intentional Interference with Employment Relationships--FDC § 9.4
  • Interest Calculations--CCR Ch. 5; Mort. § 2.5
  • Interest, Hidden--CCR § 4.4; TIL § 3.10
  • Interest Rates, Federal Preemption of--CCR Ch. 3; Mort Ch. 8
  • Interference with Employment Relationships--FDC § 10.4
  • International Driving Permits--UDAP § 9.2.5
  • International Money Orders and Wires--CBPL Ch. 5
  • Internet Banking--CBPL Ch. 4
  • Internet, Fraudulent Schemes--FDL §§ 5.2.4, 6.5.5
  • Internet, Invasion of Privacy--UDAP § 5.9
  • Internet Service Providers--UDAP § 8.5.3.7
  • Internet Payment Systems--CBPL §§ 4.9, 4.12
  • Interrogatories--Arbit Appx. C; Auto Appx. F; CCA Appx. E; CLP; CD Appx. H;  FCR Appx. J.4; FDC Appx. I.1; Repo Appx. E; TIL Appx. F.2; Warr Appx. K
  • Interstate Banking and Rate Exportation--CCR § 3.4
  • Intervention in State Attorney General Suit--CLP
  • Interview Checklist for Debt Collection--FDC Appx. F
  • Interview Form, Bankruptcy--Bankr Appx. F
  • Invasion of Privacy--FCR §§ 10.5.3, 16.3; FDC § 9.3
  • Investigative Reports--FCR Ch. 13
  • Investments--FDL § 2.8; UDAP § 2.2.9
  • Involuntary Bankruptcy Cases--Bankr §§ 14.8, 17.1.2
  • JAMS--Arbit Appx. B.3
  • Joint Bank Accounts, Seizure--Coll § 12.7
  • Joint Checking Accounts--CBPL § 10.4.6.1
  • Judicial Liens, Avoiding in Bankruptcy--Bankr § 10.4.2.3
  • Jury, Disclosure to, That Damages Will Be Trebled--Auto § 10.9.11; UDAP § 12.4.2.8
  • Jury Instructions, Sample--Auto Appx. G; CCA Ch. 16; CLP; FCR Appx. J.9; FDC Appx. I.2; TIL Appx. G
  • Jury Trial, Class Action--CCA Ch. 16
  • Jury Trial, Preparing FDCPA Case--FDC § 2.4
  • Land Installment Sales Contract (a.k.a. "Contract for Deed")--Fore Ch. 13
  • Land Sales--UDAP §§ 2.2.5, 8.3
  • Land Trusts--TIL §§ 2.2.1.1, 2.4.3
  • Landlord Evictions--FDC § 1.10.2
  • Landlord Foreclosure's Effect on Tenants--Fore § 16.7
  • Landlord's Removal of Evicted Tenant's Property--FDC § 1.10.2.4; Repo § 15.7.4
  • Landlord's Requested Disconnection of Utility Service--AUS § 6.8
  • Landlord's Termination of Utility Service--AUS § 13.2
  • Landlord-Tenant--Bankr §§ 12.9, 18.8; FDC § 1.10.2; UDAP §§ 2.2.6, 8.2
  • Landownership, Utility Service Conditioned on--AUS Ch. 3
  • Late Charges--CCR § 4.8; FDL § 2.3; Mort § 8.14; TIL §§ 3.9.3, 5.9.7; UDAP § 6.5
  • Late Charges, Utility Bills--AUS §§ 5.5, 5.6
  • Late Posting of Payments and Interest Calculation--CCR § 8.6.3
  • Law, Unauthorized Practice of--Bankr § 16.6; FDC § 10.5
  • Lawyer--See Attorney
  • Layaway Plans--UDAP § 5.7.1
  • Lease-Back of Home--Fore Ch. 17;  TIL § 10.2.5
  • Leases--Auto §§ 5.6.2.3, 5.6.6.5, 6.2.5; Bankr § 12.9; CD § 2.2.2.2;  Repo Ch. 14; TIL § 2.2.4.2, Ch. 13; UDAP §§ 2.2.6, 7.6, 8.2; Warr Ch. 21; see also Rent-to-Own
  • Lease Terms for Residence--UDAP §§ 8.2.3, 8.2.4
  • Leased Vehicle Damages--Auto § 10.10.4
  • Legal Rights, Misrepresentation of--UDAP § 5.6.8
  • Lemon Cars Being Resold--Auto §§ 1.4.7, 2.1.6, 2.4.5.5, 7.3, Appx. C; UDAP § 7.4.7; Warr § 15.7.3
     
    Lemon Laws--Warr § 14.2, Appx. F
  • Lender Liability--UDAP Ch. 10
  • Letter to Debt Collector, Sample--FDC § 2.3.7
  • Liability of Agents, Principals, Owners--FDC § 2.8; UDAP Ch. 10
  • Licenses to Drive and Bankruptcy--Bankr § 15.5.5.1
  • Liens--Repo Ch. 15
  • Life Care Homes--UDAP § 9.3.3
  • Life Insurance, Excessive Premiums for--UDAP § 9.5.7
  • Lifeline Assistance Programs--AUS § 11.3.2
  • LIHEAP--AUS Ch. 8, Appx. C
  • Limitation of Remedies Clauses--Warr Ch. 9
  • Litigation Finance--CCR Ch. 13
  • Live Check Solicitations--UDAP § 6.9.5
  • Living Trusts--UDAP § 9.4.5
  • Loan Brokers--Mort Ch. 7; UDAP §§ 2.2.1, 6.2
  • Loan Flipping--CCR § 5.9; Mort § 6.4; UDAP § 6.4
  • Loan Modification--Bankr § 11.6.1.5; Fore Ch. 2
  • Loan Rehabilitation--Stud § 6.3
  • Loans, High Cost--CCR
  • Long-Arm Jurisdiction--CCR § 7.9.2; UDAP § 11.5.2
  • Loss Mitigation, Foreclosures--Fore Ch. 2
  • Lost Checks--CBPL §§ 2.3.3S, 3.2
  • Lost Credit Card Reporting Services--UDAP § 6.4.5
  • Low Balling--UDAP § 5.3.5
  • Low Income Home Energy Assistance Program--AUS Ch. 8, Appx. C
  • Magazine Sales--UDAP § 8.9.7
  • Magnuson-Moss Warranty Act--Auto § 9.2.11.2; Warr Ch. 2, Appxs. A, B
  • Magnuson-Moss Warranty Act Relation to Federal Arbitration Act--Arbit § 4.3.2
  • Mail Fraud--FDC § 8.1; FDL § 7.3
  • Mail Order Sales--FDL § 2.6
  • Making Home Affordable Modification Program--Fore § 2.8
  • Malicious Prosecution--FDC § 9.6.2
  • Managed Care, Misrepresentations--UDAP § 9.3.6
  • Manufactured Home Defects--Warr § 17.1.3
  • Manufactured Home Finance--CCR § 10.5
  • Manufactured Home Foreclosure--Fore Ch. 12
  • Manufactured Home Parks--UDAP §§ 2.2.6, 8.1.2
  • Manufactured Homes, Federal Statutes--Warr Appx. C
  • Manufactured Homes and Interstate Rate Deregulation--CCR § 3.7
  • Manufactured Homes and Repossession--Repo §§ 2.4.1, 3.5, 4.8.3, 5.2, 6.3.3, 7.1
  • Manufactured Homes, Sale by Consumer--Repo § 9.6.3
  • Manufactured Homes and UDAP--UDAP §§ 2.2.5, 8.1.1
  • Manufactured Homes, Utility Service--AUS Ch. 14
  • Manufactured Homes, Warranties--Warr Ch. 17
  • Manufacturer Rebates--UDAP § 5.3.3
  • Marital Status Discrimination--CD § 3.4.1
  • Mass Action--CCA § 2.4.4.3
  • Master Metering--AUS § 4.5
  • Math, Credit--CCR Ch. 5; Mort §§ 2.5, 2.6
  • McCarran-Ferguson Act--Arbit § 3.3.4; CCR § 6.5.6.2; TIL § 2.4.9.5.4
  • Means Testing--Bankr
  • Mechanical Breakdown Insurance--See Service Contracts
  • Mediation--Auto § 10.11.1.5
  • Medical--See Health Care
  • Mental Anguish Damages--FDC §§ 2.5, 6.3, 9.2
  • Mental Incompetence--Coll § 5.4.1.3
  • MERS--Fore § 5.9
  • Meter Tampering--AUS Ch. 4
  • Migrant Farmworker Camps--UDAP §§ 2.2.7, 8.2.9
  • Mileage Disclosure--Auto §§ 2.4.5.8, 5.6.6
  • Military Pensions and Benefits, Sale of Future Receipt--CCR Ch. 13
  • Military Personnel and Credit Protection--Coll Ch. 7; CCR § 2.2.5; FCR § 5.7.1; Fore § 4.11; Repo § 6.3.5.1
  • Military Student Loan Deferment--Stud § 4.3.5.4
  • Mini-FTC Laws--See UDAP
  • Minority--Coll § 5.4.1.2
  • Misrepresentation--Auto § 9.4; UDAP § 4.2; Warr § 11.4
  • Mistaken Undercharges, Utility Bills--AUS § 4.1.2
  • Mobile Homes--See Manufactured Homes
  • Model Pleadings--See Complaints, Discovery, Document Requests, Interrogatories
  • Modification of Mortgage Loans--Fore § 2.4.6
  • Money Orders--CBPL Ch. 5
  • Moratorium on Foreclosures--Fore § 2.12.2
  • More Definite Statement--Coll; CLP
  • Mortgage Assistance Scams--Fore Ch. 17; UDAP §§ 6.7.6.1, 6.7.6.2
  • Mortgage Assistance, State Programs--Fore § 2.3.3
  • Mortgage Disclosure of Credit Terms--TIL § 5.7
  • Mortgage Disclosure Improvement Act--TIL
  • Mortgage Electronic Registration System (MERS)--Fore § 5.9
  • Mortgage Escrow--TIL § 9.5.3.2
  • Mortgage Fees--Mort Ch. 7; TIL § 3.9.6
  • Mortgage Loans--UDAP § 6.4
  • Mortgage Loan Modification Scams--Fore Ch. 17
  • Mortgage Modification--Fore Ch. 2
  • Mortgage Originator Compensation--TIL § 9.3.2
  • Mortgage Servicers--Fore § 1.3.3.5, Chs. 7, 8; TIL § 9.4.3
  • Mortgage Servicing, Summary of State Laws--Fore Appx. D
  • Mortgage Steering--TIL § 9.3.2
  • Most Favored Lender--CCR § 3.5
  • Motion in Limine, Sample--Auto Appx. I; CLP; FDC Appx. I.5
  • Motions to Dismiss--CLP
  • Motion to Dispense with Bond--CLP
  • Motor Homes--Warr § 14.8.5
  • Motor Vehicle Information and Cost Savings Act--Auto Chs. 5, 6, Appx. A.1
  • Motor Vehicle Installment Sales Act--CCR § 10.3.2; Repo § 2.2
  • Multiple Damages--UDAP § 12.4.2; Auto § 6.8.1
  • Municipal Utilities (MUNIs)--AUS Ch.15
  • NACA Revised Class Actions Guidelines for Settlement--CCA Appx. D
  • NACHA--CBPL §§ 1.3.3, 4.1.5
  • National Arbitration Forum (NAF)--Arbit §§ 1.7, 5.8, Appx. B.2
  • National Origin Discrimination--CD § 3.3.3
  • "Nationwide" Reporting Agencies--FCR § 2.6.1
  • Native American Tribal Law--Bankr § 10.2.3.1; Repo §§ 6.3.5.2, 12.6.7
  • Native Americans and Repossession--Repo § 6.3.5.2
  • Natural Disasters--Fore § 2.12
  • Navaho Law and Repossessions--Repo § 12.6.7
  • Necessities Laws--Coll § 9.6; CD § 9.3
  • Negative Equity--CCR § 10.3.3; Repo § 3.4.6S
  • Negative Option Plans--FDL § 2.7
  • Negligence--FCR § 10.5.4; FDC §§ 9.2, 9.7; Warr Ch. 12
     
    Negotiations, Class Actions--CCA Ch. 13
  • Net Present Value Analysis--Fore § 2.8.2.3
  • New Car Lemon Laws--Warr § 14.2, Appx. F
  • New Cars, Sales--UDAP § 7.5; Warr Ch. 14
  • New Cars, Undisclosed Damage to--Auto §§ 1.4.6, 7.2.3
  • New House Warranties--Warr Ch. 18
     
    900 Numbers--UDAP § 10.4.5
  • Non-Attorney Legal Service Providers, Deceptive Practices--UDAP § 9.4.4
  • Nondisclosure and UDAP--UDAP § 4.2.14
  • Non-English Speaking--UDAP § 5.6.1
  • Nonfiling Insurance--CCR § 4.5
  • Nonpayment of Loans, When Excused--Repo § 4.4
  • Non-Signatories Rights and Obligations--Arbit § 7.4
  • Notario Fraud--UDAP § 9.4.2
  • Notice Consumer Deducting Damages From Outstanding Balance--Warr Appx. I.3
  • Notice of Revocation--Warr Appx. I.2
  • Notice to Class--CCA Ch. 12
  • Notice to Quit, Deceptive--UDAP § 8.2.8.1
  • Not Sufficient Funds (NSF) Checks--CBPL § 2.8S
  • Nursing Homes, Deceptive Practices--UDAP § 9.3.3
  • Obsolete Information in Consumer Reports--FCR § 5.2
  • Odometers--Auto; UDAP § 7.4.5; Warr § 15.7.2
  • Odometer Tampering--Auto §§ 5.3, 5.4
  • Offer of Judgment--CCA § 7.3.2; FDC § 2.4.13
  • Official Bankruptcy Forms--Bankr Appx. D
  • Oil, Home Heating--AUS § 15.3; UDAP § 8.5
  • On Account--Coll § 4.6
  • On-Line Fraud--FDL §§ 5.2.4, 6.5.5
  • On-Line Disclosures--UDAP § 4.2.14.3.9
  • Open-End Credit--Coll § 4.6; CCR Ch. 8; Mort §§ 2.3.5.2, 2.6.3; TIL Chs. 6/-/8
  • Open-End Credit, Spurious--TIL § 6.2.3
  • Opening Statement, Sample--Auto Appx. I; CLP
  • Outdated Information in Consumer Reports--FCR § 5.2
  • Overcharges by Creditor in Bankruptcy--Bankr § 14.4.3.3
  • Overdraft Loans--CBPL Ch. 2aS; TIL § 3.9.3.3
  • Overdraft Opt-In for Debit Cards--CBPL § 4.2.4.5S
  • Pain and Suffering Damages--FDC § 2.5; UDAP § 12.3.3.9
  • Paralegals, Attorney Fees for--UDAP §§ 12.6.11.6, 12.8.7.2
  • Parol Evidence--UDAP § 4.2.19.3; Warr § 3.7
  • Partial Prepayment--CCR § 5.8.3.2; Mort § 2.3.4
  • Pattern and Practice Evidence--Auto § 10.8
  • Payroll Cards--CBPL § 7.9
  • Pawnbrokers--CCR § 2.3.9; UDAP § 6.13.5
  • Payday Loans--CCR Ch. 9
  • Payment Holidays for Interest-Bearing Loans--Mort § 2.3.4
  • Payment Packing--CCR § 10.3.4
  • Payment Plans, Utility Bills--AUS Ch. 5
  • Pay Phones--AUS § 11.7
  • Pensions in Bankruptcy--Bankr §§ 2.5.2, 10.2.2.11
  • Percentage of Income Payment Plans--AUS § 7.2.3
  • Perkins Loans--Stud
  • Personal Injury Suits--UDAP § 2.2.11
  • Personal Property Seized with Repo--Repo Ch. 7
  • Pest Control Services--UDAP § 8.6.3
  • Petroleum Products, Price Gouging--UDAP § 8.5.1.5
  • Photo Processing Packages--UDAP § 8.9.8
  • Plain English--UDAP § 5.6
  • Pleadings--See Complaints, Discovery, Document Requests, Interrogatories
  • Point of Sale (POS) Electronic Transfers--CBPL Ch. 4
  • Points--CCR § 4.3; Mort § 8.8; TIL § 3.7.5
  • Postal Money Order--CBPL Ch. 5
  • Postdated Checks--CBPL § 2.7.2.7S
  • Post-Trial Brief--CLP
  • Preauthorized Drafts--CBPL § 2.3.2S
  • Precomputed Interest--CCR § 5.3; Mort § 2.3.5.1
  • Precut Housing--UDAP § 8.3.8
  • Preemption of State Usury Laws--CCR Ch. 3; Mort Chs. 5, 8
  • Preemption and State Chartered Banks--CCR § 3.4
  • Preexisting Debt Clauses--Repo § 3.9
  •       Prepayment--CCR § 5.8; Mort § 8.11; TIL § 5.9.6
  • Prepayment Penalties--CCR § 5.8; Mort § 8.11
  • Prescreening Lists--FCR § 7.3
  • Preservation of Documents, Class Actions--CCA § 6.2
  • Price Gouging in an Emergency--UDAP § 4.3.11
  • Pricing--UDAP § 5.3
  • Privacy, Invasion of--FCR §§ 10.5.3, 16.3; FDC § 9.3
  • Privacy, Restrictions on Use of Consumer Reports--FCR Ch. 7, § 12.2
  • Private Mortgage Insurance (PMI)--Mort § 7.5; UDAP § 9.5.12
  • Private Sale of Collateral--Repo § 10.5.7
  • Privity--UDAP § 4.2.16; Warr Ch. 6
  • Prizes--UDAP § 9.6.4
  • Procedural Unconscionability--CCR § 2.4.7; Mort § 4.8; Warr § 11.2
  • Proceeds--Repo § 3.3.2
  • Process Servers--FDC § 1.6.6
  • Propane--AUS § 15.3; UDAP § 8.5
  • Property Flipping--Fore § 6.2.3; Mort § 6.5
  • Proprietary Schools--Stud Ch. 12; UDAP § 9.1.7
  • Protective Orders--CCA § 6.2, Appxs. L, N
  • Public Assistance Status, Discrimination Based on--CD § 3.4.3
  • Public Housing, UDAP Coverage--UDAP §§ 2.3.3.3, 2.3.6
  • Public Housing, Utility Service--AUS Ch. 10
  • Public Records--FCR
  • Public Sale of Collateral--Repo § 10.7
  • Public Utilities--AUS
  • Public Utility Credit--TIL § 2.4.6
  • Punitive Damages--Auto § 8.10; CD § 11.7.4; FCR § 11.12; FDC § 2.6, Ch. 9; UDAP § 12.4.3
  • Punitive Damages & Arbitration--Arb § 10.7
  • Pyramid Sales--UDAP § 9.6.3
  • Pyramiding Late Charges--AUS § 5.5.6; CCR § 4.8.5
  • Qualified Written Request--Fore Appx. I.2
  • Quantum Meruit--Coll § 4.8
  • Race Discrimination re Credit--CD § 3.3.1
  • Racketeering Statute--See RICO
  • Reachback Periods--Bankr § 6.5.3.4
  • Reaffirmations and Bankruptcy--Bankr § 15.5.2
  • Real Estate--UDAP §§ 2.2.5, 8.3
  • Real Estate Settlement Procedures Act--See RESPA
  • Real Estate Tax Abatement Laws--Fore Appx. F
  • Real Party in Interest--Fore § 5.1
  • Reassembled Cars from Parts--Auto §§ 1.4.3, 2.1.4; UDAP § 7.4.6
  • Rebates from Manufacturer--TIL § 3.7.5.2; UDAP § 5.3.3.2
  • Rebates of Interest--CCR § 5.8; TIL § 3.7.2.3
  • Recoupment Claims--Bankr § 14.3.2.4; TIL §§ 10.3.3, 12.2.5
  • Redemption and Repo--Repo § 9.3
  • Redemption, Foreclosures--Fore §§ 4.2.6, 16.1.2
  • Redlining--CD §§ 7.1, 7.2
  • Refinancings--CCR § 5.9; Mort § 2.3.1; Repo § 3.8; TIL § 5.15.3; UDAP § 6.4
  • Refund Anticipation Loans--CCR Ch. 14
  • Refunds--UDAP § 5.6.6
  • Regulation B, Text--CD Appx. B
  • Regulation C, Text--CD Appx. E.2
  • Regulation E--CBPL Ch. 4, Appx. D
  • Regulation M, Text--TIL Appx. H.2
  • Regulation Z, Text--TIL Appx. B
  • Regulation CC--CBPL § 3.4, Appx. B
  • Regulation DD--CBPL § 2A.3.1S, Appx. E
  • Rejection--Warr Ch. 8
  • Reliance--TIL §§ 11.5.3.2, 11.5.4.6; UDAP § 4.2.12
  • Religious Discrimination re Credit--CD § 3.3.2
  • Remand--CLP
  • Remittances--CBPL § 5.2.1AS; UDAP § 6.9.4
  • Rent and Bankruptcy--Bankr §§ 12.9, 15.5.5.3, 18.8
  • Rent-to-Own--Bankr § 11.8; CCR Ch. 12; Repo § 14.3; UDAP § 8.8
  • Rent, Utility Service--AUS Chs. 3, 10
  • Rental Cars--Auto § 2.4.5.6; UDAP § 7.7
  • Rental Housing, Substandard--UDAP §§ 8.2.5.1, 8.2.5.2
  • Repairs--UDAP § 5.7.6
  • Repairs, Automobile--UDAP § 7.10; Warr § 19.9
  • Repayment Plan for Student Loans--Stud § 6.5
  • Replevin--Repo Ch. 5
  • Reporting Agencies--FCR
  • Repossessions--FDC § 4.2.6; Repo; UDAP § 6.13
  • Repossessions, Stopping--Bankr Ch. 9
  • Request for Inspection--CLP
  • Resale of Utility Service--AUS § 4.5, Ch. 14
  • Rescission--Auto § 8.12; Fore § 6.5.2; TIL Ch. 10, Appx. E.2.2; UDAP § 12.7
  • Rescission by Recoupment--TIL § 10.3.3
  • Rescission Notice, Sample--TIL Appx. D
  • Resisting Repossession, Liability for--Repo § 6.2.4.3
  • Res Judicata--CCA Ch. 17
  • RESPA (Real Estate Settlement Procedures Act)--Fore Ch. 9; Mort § 3.2; TIL §§ 4.1.1, 4.4.7
  • Retail Installment Sales Acts (RISA)--CCR Ch. 10; Repo § 2.5.2
  • Retail Sellers--CCR Ch. 10
  • Retaliation for Exercise of TIL, CCPA Rights--CD § 3.4.4
  • Retroactive Statutes--CCR § 3.10; UDAP § 11.3
  • Reverse Metering--AUS § 4.1
  • Reverse Redlining--CD § 8.4
  • Review of Arbitration Decision--Arbit Ch. 10
  • Revised Uniform Arbitration Act--Arbit Ch. 10
  • Revocation of Acceptance--Warr Ch. 8
  • Revolving Repossessions--Repo § 10.11
  • RICO Act (Racketeer Influenced Corrupt Organizations Act)--Auto § 9.5; FDC § 8.5; FDL Chs. 7, 8, Appx. E.1 
  • Right to Cure Default--Bankr § 11.6.2; Repo § 4.5, Appx. B
  • Right to See Consumer Reports--FCR § 3.3
  • Right to Utility Service--AUS Ch. 2
  • RISA (Retail Installment Sales Act)--CCR Ch. 10; Repo § 2.5.2
  • Rooker-Feldman Doctrine--FDC § 7.4.4
  • RTO Contracts--See Rent-to-Own
  • Rule of 78--CCR § 5.8.6.3; Repo § 11.3.2.2.2; TIL § 3.7.2
  • Rural Electric Cooperatives (RECs)--AUS Ch. 15
  • Rural Housing Service (RHS)--Fore § 3.4
  • Rustproofing--UDAP § 7.2.3
  • Safety--UDAP § 5.4.4
  • Sale and Lease-Back--Fore Ch. 17; TIL § 10.2.5
  • Sale of Collateral--Repo Ch. 10
  • Salvage Auctions--Auto § 2.6.4.2
  • Salvage Vehicles, Sale of--Auto §§ 1.4.3, 2.1.4, 2.4.5.4, 7.2.1; Warr § 15.7.4
  • Salvaged Parts--UDAP § 7.4.6
  • Sample Pleadings--See Complaints, Discovery, Document Requests, Interrogatories
  • School-Related Defenses to Student Loans--Stud § 12.7
  • Schools, Vocational--Stud Ch. 12
  • Scope of Arbitration Agreement--Arbit Ch. 7
  • Scrip Settlements, Class Actions--CCA § 13.8; CLP
  • Second Mortgage, Rescission of--TIL Ch. 10
  • Secret Warranties--UDAP § 7.5.10.2; Warr § 14.5.3
  • Securitization of Consumer Paper--Mort § 1.7
  • Security Deposits, Consumer's Rights to Reform Where Seller in Bankruptcy--Bankr § 18.8.4
  • Security Deposits, Tenant's--FDC § 1.10.2.5; UDAP §§ 8.2.3, 8.2.4
  • Security Deposits, Utility--AUS § 5.2
  • Security Interest Charges--TIL § 3.9
  • Security Interests--Repo Ch. 3; TIL § 5.8
  • Security Interests, Avoiding in Bankruptcy--Bankr § 10.4.2.4, Ch. 11
  • Security Systems--UDAP § 8.6.2
  • Seizure of Collateral--Repo
  • Self-Help Repossession--Repo Ch. 6
  • Service Contracts--Auto §§ 2.5.11, 2.6.2.11; UDAP §§ 5.6.7.2, 7.2.5; Warr Ch. 20, Appx. G 
  • Service Contracts, Hidden Add-On--CCR § 10.3.4.2; TIL § 3.6.5
  • Servicemembers Civil Relief Act--Coll Ch. 7, Appx. A; FCR 5.7.1; Fore § 4.11; Repo 6.3.5.1
  • Service of Process--Warr § 13.3.10
  • Servicer Abuses--Fore Ch. 7
  • Services and Warranties--Warr Ch. 19
  • Set Aside Judgment--Coll § 11.3; CLP
  • Set Off, Banker's--CBPL § 10.4
  • Set-Offs--TIL § 7.13
  • Setting Aside Default Judgments--Coll § 11.3
  • Settlement, Auto Case--Auto § 10.11; Warr § 13.7
  • Settlement, Class Actions--CCA Ch. 13, Appxs. U, W, X
  • Settlement, Class Actions, Objections--CCA § 14.4, Appx. Y
  • Settlement, Individual Prior to Class Action--CCA § 1.2
  • Settlements and Consumer Reports--FCR § 12.6.4
  • Sewer Service--AUS § 1.2.3
  • Sex Discrimination re Credit--CD § 3.3.4
  • Sexual Orientation, Discrimination Based On--CD § 3.7
  • Shell Homes--UDAP § 8.3.8
  • Single Document Rule--CCR § 10.2.10
  • Slamming, Telephone Service--AUS § 11.6.5.1; UDAP § 8.5.4
  • Small Loan Laws--CCR § 2.3.3
  • Smart Cards--CBPL § 7.1
  • SMART Grants--Stud § 1.4.2.4
  • SNAP, Electronic Payment--CBPL Ch. 8
  • Social Security Benefit Offset to Repay Student Loan--Stud § 8.4
  • Social Security Payments, Electronic--CBPL Ch. 9
  • Soldiers' and Sailors' Civil Relief Act--See Servicemembers' Civil Relief Act
  • Spendthrift Trusts in Bankruptcy--Bankr § 2.5.2
  • Spoliation of Evidence--Warr § 13.2.5
  • Spot Delivery of Automobiles--Auto Ch. 4; CCR § 10.3.7; Repo § 4.6; TIL § 4.4.6; UDAP § 7.3.9
  • Spouses, Consumer Reports on--FCR § 5.6.1
  • Spreader Clauses--TIL § 5.8.6
  • Spurious Open-End Credit--TIL § 6.2.3
  • Stafford Loans--Stud
  • Standard Form Contracts, Unfair--UDAP § 5.6.3
  • Standing to Collect a Debt--Coll § 4.3
  • Standing to Foreclose--Fore § 5.1
  • State Arbitration Law--Arbit Ch. 3
  • State Bonding Laws--Auto Appx. C
  • State Chartered Banks and Preemption--CCR § 3.4
  • State Cosigner Statutes--Repo § 12.9.6.2
  • State Credit Discrimination Laws--CD § 1.6, Appx. F
  • State Credit Repair Laws--FCR Appx. H
  • State Credit Reporting Laws--FCR § 10.6, Appx. H
  • State Debt Collection Statutes--FDC § 10.2, Appx. E
  • State Exemption Laws--Coll Appx. G
  • State Foreclosure Laws--Fore Appx. E
  • State High Cost Loan Laws--Mort § 4.4
  • State Home Improvement Statutes and Regulations--Warr § 19.8.4
  • State Leasing Disclosure Statutes--TIL § 13.5.2.2
  • State Lemon Buyback Disclosure Laws--Auto Appx. C
  • State Lemon Laws--Warr § 14.2, Appx. F
  • State Lending Statutes--CCR Appxs. B, C; Mort Appxs. A, B
  • State 900 Number Laws--UDAP § 10.4.5
  • State Odometer Statutes--Auto Appx. C
  • State Real Estate Tax Abatement Laws--Fore Appx. F
  • State RICO Statutes--FDL Ch. 8, Appx. F
  • State Right to Cure, Reinstate and Redeem Statutes--Repo Appx. B
  • State Salvage Laws--Auto Appx. C
  • State Service Contract Laws--Warr Appx. G
  • State Telemarketing Laws--FDL Appx. D
  • State TIL Laws--TIL § 2.6
  • State Title Transfer Laws--Auto § 7.7, Appx. C
  • State UDAP Statutes--UDAP Appx. A
  • State Usury Statutes--CCR Appxs. B, C
  • Statute of Limitations--Coll § 3.5; FCR § 4.5; TIL § 12.2
  • Statute of Limitations As Consumer Defense to Collection Action--Coll § 3.5; Repo § 12.7
  • Statutory Damages--FDC §§ 6.4, 10.2.52; Repo § 13.2; TIL § 11.6; UDAP § 12.4.1
  • Statutory Liens--Repo Ch. 15
     
    Statutory Liens, Avoiding in Bankruptcy--Bankr § 10.4.2.6.3
  • Staying Foreclosure--Bankr Ch. 9
  • Steering of Mortgage Loans--Mort § 6.3
  • Stolen Checks--CBPL §§ 2.3.3S, 3.2
  • Stolen Vehicles--Auto §§ 1.4.11, 2.1.8, 9.2.2
  • Stop Payment on Checks, Credit and Debit Cards--CBPL §§ 2.3.4S, 6.5S, Ch. 4
  • Storage of Evicted Tenant's Property--Repo § 15.7.4; UDAP § 8.2.5.2
  • Stored Value Cards--CBPL Ch. 7, Appx. G
  • Straight Bankruptcy--Bankr Ch. 3
  • Strict Liability in Tort--Warr Ch. 12
  • Student Loan Collection Abuse--Stud Ch. 7
  • Student Loan Repayment Plans--Stud Ch. 6
  • Student Loan Regulations--Stud Appx. B
  • Student Loans--Bankr § 15.4.3.8; FCR § 12.6.5; Stud; TIL §§ 2.4.5, 5.14
  • Student Loans and Bankruptcy--Stud Ch. 10
  • Student Loans, Reinstating Eligibility--Stud Ch. 6
  • Subpoenas--CLP
  • Subprime Credit Cards--TIL § 7.8
  • Summary Judgment Briefs, Sample--CLP; FDC Appx. I.1
  • Surety for Consumer Debtor--Repo § 12.9
  • Surety Liability for Seller's Actions--Auto § 10.13.4
  • Survey Evidence--FDC § 2.4.14
  • Surveys, Use in Litigation--CCA § 8.1.3.2.4
  • Target Marketing Lists--FCR § 7.3.4
  • Tax Abatement Laws, State Property, Summaries--Fore Appx. F
  • Tax Collections--Coll § 10.2
  • Tax Consequences, Bankruptcy Discharge--Bankr § 15.6
  • Tax Form 1099-C--CCA § 13.7.3.3.4.6
  • Tax Implications of Damage Award--CCA § 13.7.3.3.4
  • Tax Implications to Client of Attorney Fees--CCA § 18.5
  • Tax Liens--Fore Ch. 15
  • Tax Refund Intercepts--Bankr § 9.4.4; Coll § 10.2.7; Stud § 8.2
  • Tax Refunds--CCR Ch. 14
  • Tax Refunds in Bankruptcy--Bankr § 2.5.5
  • Tax Sales--Fore Ch. 15
  • Taxis, Undisclosed Sale of--Auto § 2.4.5.6
  • TEACH Grants--Stud § 1.4.2.3
  • Telechecks--UDAP § 6.9
  • Telecommunications Act of 1996--AUS Ch. 11, Appx. B
  • Telemarketing, Payment--CBPL §§ 2.3.2S, 4.8
  • Telemarketing Fraud--FCR § 15.4; FDL § 5.10
  • Telemarketing Fraud, Federal Statutes--FDL Appx. C
  • Telephone Cards, Prepaid--CBPL Ch. 7
  • Telephone Companies As Credit Reporting Agencies--FCR § 2.7.9
  • Telephone Harassment--FDC § 8.3
  • Telephone Inside Wiring Maintenance Agreements--UDAP § 5.6.7.2
  • Telephone Rates, Service--AUS Ch. 11, Appx. B
  • Telephone Service Contracts--UDAP §§ 5.6.7.2, 8.5.3
  • Telephone Slamming--AUS § 11.6.5.1; UDAP § 8.5.3.2
  • Teller's Checks--CBPL Ch. 5
  • Tenant Approval Companies--FCR §§ 2.6.2.2, 3.2.4
  • Tenant Ownership in Chapter 7 Liquidation--Bankr § 18.8.2
  • Tenant's Property Removed with Eviction--Repo § 15.7.4
  • Tenant's Rights When Landlord Files Bankruptcy--AUS § 13.2; Bankr § 18.8
  • Tenant's Rights When Landlord Foreclosed Upon--Fore §  16.7
  • Termination of Utility Service--AUS Ch. 6
  • Termite Control Services--UDAP § 8.6.3
  • Testers, Fair Housing--CD §§ 4.4.4, 11.2.2
  • Theft at ATM Machines, Bank Liability--CBPL § 4.5.4
  • Theft of Identity--FCR § 9.2
  • Third Party Liability Issues--AUS §§ 6.4, 6.5
  • Threats of Criminal Prosecution--Coll Ch. 8
  • Tie-In Sale Between Manufactured Home and Park Space--UDAP § 8.1.2.2
  • Time Shares--UDAP § 8.3.10
  • Timing of TILA Disclosures--TIL § 4.4
  • Tire Identification--Auto § 2.2.3
  • Title, Automobile--Auto §§ 2.3, 2.4, Ch. 3, Appxs. D, E; UDAP § 7.3.9; Warr § 15.4.4
  • Title Insurance--Mort § 7.6
  • Tobacco--UDAP § 9.3.7
  • Tort Liability--FDC Ch. 10
  • Tort Liability, Strict--Warr Ch. 12
  • Tort Remedies, Unlawful Disconnections--AUS § 6.7.2
  • Tort Remedies, Wrongful Repossessions--Repo § 13.6
  • Towing--Repo Ch. 15; UDAP § 7.10.8
  • Trade-In Cars--UDAP § 7.3.4
  • Trade Schools--Stud Ch. 12; UDAP § 9.1.7
  • Trading Posts--UDAP § 6.13.5
  • Transcripts and Bankruptcy--Bankr § 15.5.5.2
  • Traveler's Checks--CBPL Ch. 5; UDAP § 2.2.1.3
  • Travel Fraud--UDAP § 9.2
  • Treble Damages--UDAP § 12.4.2
  • Trebled, Disclosure to Jury That Damages Will Be--UDAP § 12.4.2.7.3
  • Trial Brief, Sample--CLP; FDC Appx. I.4
  • Trial Documents, Sample--Auto Appx. I; FDC Appx. I; Warr Appx. L
  • Tribal Law--Bankr § 10.2.3.1; Repo §§ 6.3.5.2, 12.6.7
  • Trustees in Bankruptcy--Bankr §§ 2.6, 2.7, 17.4.1, 18.7
  • Truth in Lending--TIL
  • Truth in Mileage Act--Auto Chs. 3, 5,6
  • Truth in Savings--CBPL § 2A.3.1S, Ch. 4, Appx. E.1
  • Tuition Recovery Funds--Stud § 12.8
  • Typing Services--Bankr § 16.6
  • UCC (Uniform Commercial Code) Article 2--Warr
  • UCC Article 2 and Comments Reprinted--Warr Appx. E
  • UCC Article 2A--Repo §§ 2.5.1.1, 14.1.3.1; UDAP § 7.6.5; Warr Ch. 21, Appx. E.4
  • UCC Articles 3 and 4--CBPL Chs. 1, 2, Appx. A
  • UCC Article 9--Repo
  • UCC Article 9, Revised--Repo Appx. A
  • UCC Article 9 and Comments Reprinted--Repo Appx. A
  • UDAP--AUS § 15.4.2; Auto § 8.4; CCR § 2.4.1; FCR § 10.6.2; FDC § 10.3; Mort § 4.2; Repo §§ 2.5.3.1, 13.4.3; UDAP; Warr § 11.1
  • Unauthorized Practice of Law--Bankr § 16.6; FDC § 10.5; UDAP § 9.4.2
  • Unauthorized Use of Checks, Credit and Debit Cards--Coll § 5.3.2; CBPL §§ 2.3S, 4.3, 6.4S; TIL § 6.10
  • Unauthorized Use of Utility Service--AUS § 4.3
  • Unavailability of Advertised Items--UDAP § 5.3.2
  • Unconscionability--Auto § 8.7; CCR § 2.4.7; Mort § 4.8; UDAP §§ 4.4, 7.4.5; Warr §§ 11.2, 21.2.6
  • Unconscionability of Arbitration Clauses--Arbit Ch. 6
  • Unearned Interest--CCR  § 5.8
  • Unemployment Insurance--CCR § 6.3.1.4
  • Unfair Insurance Practices Statutes--UDAP § 9.6; CCR § 6.4.6.2
  • Unfairness--UDAP § 4.3
  • Uniform Arbitration Act--Arbit. Ch. 10
  • Uniform Commercial Code--See UCC
  • United States Trustee--Bankr §§ 2.7, 18.7.2
  • Universal Telephone Service--AUS Ch. 11
  • Unlicensed Activities--CCR § 7.8.5
  • Unpaid Refund Discharge of Student Loan--Stud § 9.5
  • Unsolicited Credit Cards--TIL § 7.12.5
  • Unsolicited Goods--FDC § 8.2; FDL § 11.2
  • Unsubstantiated Claims--UDAP § 5.2
  • Used As New--UDAP § 5.7.4
  • Used Car Lemon Laws--Warr § 15.4.5
  • Used Car Rule--FDL § 2.4, Appx. A.11; Warr § 15.8, Appx. D
  • Used Cars--Auto; UDAP § 7.4; Warr Ch. 15, Appxs. J.3, K.4
  • Used Cars, Assembled from Salvaged Parts--Auto §§ 1.4.3, 2.1.4
  • Used Cars, Financing--CCR Ch. 10
  • Used Cars, Undisclosed Sale of Wrecked Cars--Auto §§ 1.4.5, 2.1.4
  • Users of Consumer and Credit Reports--FCR Ch. 7
  • Usury, Trying a Case--CCR Ch. 7
  • Utilities--AUS; CD §§ 2.2.2.3, 2.2.6.2; TIL § 2.4.6; UDAP §§ 2.3.2.1, 8.5.2
  • Utilities and Bankruptcy--AUS §§ 13.1, 13.2; Bankr § 9.8
  • Utilities As Credit Reporting Agencies--FCR § 2.7.9
  • Utility Commission Regulation--AUS § 1.3, Appx. A
  • Utility Service Terminated by a Landlord--AUS § 6.8
  • Utility Subsidies in Subsidized Housing--AUS Ch. 10
  • Utility Termination, Remedies--AUS § 6.7; FDC § 1.10.6; UDAP § 8.5.2.1
  • Utility Terminations, Stopping--AUS Ch. 6; Bankr Ch. 9
  • VA (Department of Veterans Affairs) Mortgage Foreclosures and Workouts--Fore §§ 2.12.2, 3.3
  • Variable Rate Disclosures--TIL Ch. 5
  • Variable Rates, Calculation--CCR § 5.3.6; Mort § 2.6
  • Vehicle Identification Number--Auto § 2.2.4
  • Venue, Inconvenient--FDC §§ 5.9, 9.6.3; UDAP §§ 6.10.9, 6.10.10
  • Vertical Privity--Warr § 6.2
  • Vocational Schools--Stud Ch. 12
  • Voir Dire, Sample Questions--CLP; FDC Appx. I.2
  • Voluntary Payment Doctrine--CCR § 7.7.4; UDAP § 4.2.19.5
  • Wage Earner Plans--Bankr Ch. 4
  • Wage Garnishment--Coll Ch. 12, Appx. B
  • Waiver of Default--Repo § 4.3
  • Waiver of Right to Enforce Arbitration Clause--Arbit Ch. 8
  • Wage Garnishment of Student Loans--Stud § 8.3, Appx. B.5.1
  • Warehouseman's Lien--Repo § 15.7.4
  • Warranties--Auto § 9.2; UDAP § 5.6.7; Warr
  • Warranties, Secret--UDAP § 7.5.10.2; Warr § 14.5.3
  • Warranty Disclaimers--Warr Ch. 5
  • Warranty of Habitability, Utility Service--AUS § 3.4.1
  • Water Affordability--AUS Ch. 12
  • Water Quality Improvement Systems--UDAP § 8.6.4
  • Water Service--AUS § 1.2.3; UDAP § 8.5.4
  • Weatherization Assistance--AUS Ch. 9
  • Web Sites, Consumer Advocacy--UDAP § 1.5
  • Welfare Benefits, Bankruptcy--Bankr §§ 10.2.2.11, 15.5.5
  • Welfare Benefits, Credit Discrimination--CD §§ 3.4.3, 5.5.2.5
  • Welfare Benefits, Credit Reporting--FCR §§ 2.3.6.6, 7.2.2
  • Welfare Benefits, Exemptions--Coll § 12.5.5
  • "Wheelchair" Lemon Laws--Warr Ch. 16
  • Wire Fraud--FDL § 7.3.2.5
  • Wires--CBPL Ch. 5
  • Withholding Credit Payments--Repo § 4.4.3; Warr § 8.5
  • Women's Business Ownership Act of 1988--CD § 1.3.2.4
  • Workers Compensation and Bankruptcy--Bankr § 10.2.2.1
  • Workout Agreements--TIL § 5.15.7
  • Workout Agreements, Foreclosures--Fore Ch. 2
  • Wraparound Mortgages--Mort § 8.4.3
  • Writ of Replevin--Repo Ch. 5
  • Yield Spread Premiums--CD § 8.5; Mort §§ 7.3, 7.4; UDAP §§ 6.2.3, 7.2.4
  • Young Consumers and Credit Cards--TIL § 7.6.3
  • Yo-Yo Delivery of Automobiles--Auto Ch. 4; CCR § 10.3.7; CD § 10.4.2; Repo § 4.6; TIL § 4.4.6; UDAP § 7.3.9