This article, the third in a series that deals with home mortgages, explains a homeowner’s general rights to defend or delay a pending home foreclosure, how a chapter 13 bankruptcy can avoid foreclosure, the homeowner’s rights after the foreclosure sale, and additional rights to deal with nine special types of foreclosures.
This article, the second in the series that deals with home mortgages, details options to lowering or delaying mortgage payments for Fannie Mae, Freddie Mac, FHA, VA, and RHS mortgages.
Mortgage problems tend to have a snowballing effect if not resolved quickly. This article covers how to obtain information about your mortgage payments, what happens if you make only a partial payment, disputing the amount due, and key information about escrow, property taxes, and insurance.
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Widespread criminal justice debt—arising from fines, fees, costs, and more—has an outsized impact on consumers, including millions of drivers losing their licenses, seizure of income and assets, and even incarceration. This article provides advice on limiting these consequences and asserting rights against collection of criminal justice debt.
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Advice to consumers in dealing with debt collectors, taking into consideration new consumer rights and new consumer risks flowing from federal rules that just went into effect on November 30, 2021. This article provides nine ways to stop debt harassment, with sample letters; explains the limits of what collectors can really do; and lists illegal debt…
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Creditors and debt buyers bring millions of collection lawsuits which usually result in a court judgment for the creditor or debt buyer. This article focuses on consumer rights and strategies to deal with your civil court judgment debt.
The focus of this article is on motor vehicle repossession including limits on self-help repossessions, ten strategies to prevent repossessions, six steps to take after your car is repossessed, and advice on responding to the creditor’s demand for additional payment even after the repossession.
This article provides guidance for consumers on who should consider a reverse mortgage, how it works, foreclosure risks, impacts on spouses, partners, and heirs, and whether it is advisable.
Washington, D.C. – The Center for Responsible Lending (CRL) and National Consumer Law Center (NCLC) today expressed support for the Protecting Wages of Essential Workers Act of 2022 (Protecting Wages Act). The bill will ensure that working Americans who hold consumer debt are not hit with excessive wage seizures that leave them unable to afford…
The substantive decision that the CFPB’s independent funding mechanism violates the Appropriations Clause is radical and unprecedented. But even more extreme is the decision that the remedy for this unconstitutional funding mechanism is that the CFPB’s Payday Lending Rule must be found invalid because it was promulgated using unconstitutional funding.
New Model Will Improve Accuracy and Reduce Impact of Paid Collection Items and Medical Debt
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