CFPB KEEPS ENFORCEMENT POWER

The U.S. Court of Appeals for the District Court of Columbia held the Consumer Financial Protection Bureau (CFPB) can keep its powers.  On October 11, the court of Appeals held that while the CFPB's single director director removable only for cause structure is unconstitutional,  other portions of the statute authorizing the CFPB are constitutional.  In PHH Corp. … Continue reading CFPB KEEPS ENFORCEMENT POWER

How Do I Reinstate My Mortgage?

How Do I Reinstate My Mortgage? When a homeowner gets behind on mortgage payments, then the homeowner may be at risk for foreclosure.  A mortgage may go into "default" once the homeowner misses 2 or 3 payments.  Missed payments and late fees can add up quickly and make it more difficult for the homeowner to … Continue reading How Do I Reinstate My Mortgage?

11th CIRCUIT RULES ON TELEPHONE CONSUMER PROTECTION ACT (TCPA)

The 11th Circuit Court of Appeals recently entered its long awaited decision on the called party issue under the Telephone Consumer Protection Act (TCPA).  The 11th Circuit held the called party is the subscriber of the phone number called by the defendant. Facts:  Appellee claims Wells Fargo made multiple calls to her cell phone using … Continue reading 11th CIRCUIT RULES ON TELEPHONE CONSUMER PROTECTION ACT (TCPA)

3 STEPS TO DISPUTE CREDIT REPORT ERRORS

Do you know how to dispute credit report errors? Credit report errors can keep you from getting approved for credit, insurance or a job.  Credit report errors may appear on your credit report for many reasons, including identity theft, mixed files, creditor errors and public record errors.  Whatever the reason, you should dispute the errors … Continue reading 3 STEPS TO DISPUTE CREDIT REPORT ERRORS

WHAT IS A SECURITY FREEZE ON MY CREDIT FILE?

What is a security freeze on my credit file?  A security freeze on your credit file prevents creditors, employers and insurance companies from obtaining your credit file.  The security freeze protects consumers' privacy and helps to ensure new credit accounts are not opened in their name and without their knowledge.  Identity theft victims may place a security … Continue reading WHAT IS A SECURITY FREEZE ON MY CREDIT FILE?