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	<title>CULIK LAW PC</title>
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	<link>http://www.culiklaw.com</link>
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		<title>Foreclosure Stopped with Last-Minute Restraining Order by Culik Law</title>
		<link>http://www.culiklaw.com/2012/01/04/foreclosure-stop-restraining-order-culik-law/</link>
		<comments>http://www.culiklaw.com/2012/01/04/foreclosure-stop-restraining-order-culik-law/#comments</comments>
		<pubDate>Wed, 04 Jan 2012 21:00:50 +0000</pubDate>
		<dc:creator>Josef Culik</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[FORECLOSURE PREVENTION]]></category>
		<category><![CDATA[LOAN MODIFICATION]]></category>
		<category><![CDATA[CCO]]></category>
		<category><![CDATA[Citizens]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[RBS Citizens]]></category>
		<category><![CDATA[Restraining order]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1117</guid>
		<description><![CDATA[Foreclosure by Citizens Bank averted when Culik Law files motion for restraining order in Massachusetts Superior Court.]]></description>
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		<title>Superior Court Judge Denies Bank&#8217;s Motion to Dismiss HAMP Claims</title>
		<link>http://www.culiklaw.com/2012/01/03/superior-court-judge-denies-banks-motion-to-dismiss-hamp-claims/</link>
		<comments>http://www.culiklaw.com/2012/01/03/superior-court-judge-denies-banks-motion-to-dismiss-hamp-claims/#comments</comments>
		<pubDate>Tue, 03 Jan 2012 17:07:43 +0000</pubDate>
		<dc:creator>Josef Culik</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[CULIK LAW NEWS]]></category>
		<category><![CDATA[FORECLOSURE PREVENTION]]></category>
		<category><![CDATA[LOAN MODIFICATION]]></category>
		<category><![CDATA[Bank of America]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[HAMP]]></category>
		<category><![CDATA[lawsuit]]></category>
		<category><![CDATA[loan modification]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1110</guid>
		<description><![CDATA[Culik Law lawsuit allowed to proceed against Bank of America for fraud related to foreclosure during loan modification talks.]]></description>
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		<title>Solicitations by Phone or Text&#8230; Just Say No</title>
		<link>http://www.culiklaw.com/2011/10/30/solicitations-by-phone-or-text-just-say-no/</link>
		<comments>http://www.culiklaw.com/2011/10/30/solicitations-by-phone-or-text-just-say-no/#comments</comments>
		<pubDate>Sun, 30 Oct 2011 23:18:05 +0000</pubDate>
		<dc:creator>Shawna Culik</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[FORECLOSURE PREVENTION]]></category>
		<category><![CDATA[LOAN MODIFICATION]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[foreclosure prevention]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[modification]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[NACA]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1103</guid>
		<description><![CDATA[If someone, even an attorney, calls or sends you a text to solicit you and provides you with information about an upcoming foreclosure or seems to know more than they should about your mortgage, or makes grand promises without having all the facts, be very, very cautious.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Culik Law Sues Debt Collector Howard Lee Schiff PC for FDCPA Violations</title>
		<link>http://www.culiklaw.com/2011/10/28/culik-law-sues-debt-collector-howard-lee-schiff-pc-for-fdcpa-violations/</link>
		<comments>http://www.culiklaw.com/2011/10/28/culik-law-sues-debt-collector-howard-lee-schiff-pc-for-fdcpa-violations/#comments</comments>
		<pubDate>Fri, 28 Oct 2011 21:21:14 +0000</pubDate>
		<dc:creator>Josef Culik</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[CULIK LAW NEWS]]></category>
		<category><![CDATA[DEBT DEFENSE]]></category>
		<category><![CDATA[debt collection]]></category>
		<category><![CDATA[fdcpa]]></category>
		<category><![CDATA[Law Offices Howard Lee Schiff]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1101</guid>
		<description><![CDATA[Culik Law sues collection firm Howard Lee Schiff for debt collection violations.]]></description>
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		<title>From Ibanez to Bevilacqua: Massachusetts SJC Rules that buyer of foreclosed real estate owns nothing if mortgage assignment was faulty.</title>
		<link>http://www.culiklaw.com/2011/10/23/bevilacqua-ma-mortgage-foreclosure-cas/</link>
		<comments>http://www.culiklaw.com/2011/10/23/bevilacqua-ma-mortgage-foreclosure-cas/#comments</comments>
		<pubDate>Mon, 24 Oct 2011 00:00:14 +0000</pubDate>
		<dc:creator>Josef Culik</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[FORECLOSURE PREVENTION]]></category>
		<category><![CDATA[Bevilacqua v. Rodriguez]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[Ibanez]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[Massachusetts Attorney General Martha Coakley]]></category>
		<category><![CDATA[mortgage]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1096</guid>
		<description><![CDATA[Last week, the Massachusetts Supreme Judicial Court issued its eagerly awaited opinion in the case of Bevilacqua v. Rodriguez. This decision is the follow-up to the landmark case of US Bank v. Ibanez. In Ibanez, in which the SJC ruled that if a foreclosure is conducted by an assignee of the bank that originally took [...]]]></description>
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		<title>8 Tips for Tenants: Before You Sign the Dotted Line…</title>
		<link>http://www.culiklaw.com/2011/09/16/8-tips-for-tenants-before-you-sign-the-dotted-line%e2%80%a6/</link>
		<comments>http://www.culiklaw.com/2011/09/16/8-tips-for-tenants-before-you-sign-the-dotted-line%e2%80%a6/#comments</comments>
		<pubDate>Fri, 16 Sep 2011 15:27:51 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[landlord-tenant]]></category>
		<category><![CDATA[security deposit]]></category>
		<category><![CDATA[tenant rights]]></category>
		<category><![CDATA[tips]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1081</guid>
		<description><![CDATA[Renting is on the rise. A growing number of Massachusetts residents are electing to rent rather than purchase their homes. The move away from home ownership is tied primarily to the foreclosure crisis, unstable housing and job markets, and a rising need for mobility. If you are renting,  it is important to know your rights and what to expect from your landlord. Here are some basics for Massachusetts renters.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>“Lemon” Aid for Consumers: Massachusetts Used Vehicle Consumer Protection Statute</title>
		<link>http://www.culiklaw.com/2011/09/08/%e2%80%9clemon%e2%80%9d-aid-for-consumers-massachusetts-used-vehicle-consumer-protection-statute/</link>
		<comments>http://www.culiklaw.com/2011/09/08/%e2%80%9clemon%e2%80%9d-aid-for-consumers-massachusetts-used-vehicle-consumer-protection-statute/#comments</comments>
		<pubDate>Thu, 08 Sep 2011 18:11:36 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[Express Warranty]]></category>
		<category><![CDATA[Lemom Law]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[Used Cars]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1065</guid>
		<description><![CDATA[If you feel you are being taken for a ride, pull the emergency brake. Used car dealers are required to give you an express written warranty at the time of purchase. Although they can offer you more protections, they cannot offer you anything less. Plus, the law offers further protections if you have defects or safety concerns after purchase. Know your rights going in, use them to your advantage, and invoke them if you run into trouble.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Culik Law Files Federal Lawsuit Against Bank, Credit Bureaus, for Loan Modification and Credit Reporting Violations.</title>
		<link>http://www.culiklaw.com/2011/09/06/loan-modification-credit-report-lawsuit-massachusetts/</link>
		<comments>http://www.culiklaw.com/2011/09/06/loan-modification-credit-report-lawsuit-massachusetts/#comments</comments>
		<pubDate>Wed, 07 Sep 2011 02:10:14 +0000</pubDate>
		<dc:creator>Josef Culik</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[CREDIT REPORTING]]></category>
		<category><![CDATA[CULIK LAW NEWS]]></category>
		<category><![CDATA[FORECLOSURE PREVENTION]]></category>
		<category><![CDATA[Culik Law]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[Fair Credit Reporting Act]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[lawsuit]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[Suntrust]]></category>
		<category><![CDATA[TransUnion]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1061</guid>
		<description><![CDATA[Culik Law files lawsuit against mortgage servicer Suntrust, and major credit bureaus, for violation of loan modification agreement and false credit reporting.]]></description>
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		<title>Rights Come Standard When Buying a New Car in Massachusetts</title>
		<link>http://www.culiklaw.com/2011/08/19/rights-come-standard-when-buying-a-new-car-in-massachusetts/</link>
		<comments>http://www.culiklaw.com/2011/08/19/rights-come-standard-when-buying-a-new-car-in-massachusetts/#comments</comments>
		<pubDate>Fri, 19 Aug 2011 20:51:23 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[ECOA]]></category>
		<category><![CDATA[Lemon Law]]></category>
		<category><![CDATA[massachusetts]]></category>
		<category><![CDATA[new car purchase]]></category>
		<category><![CDATA[TILA]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1050</guid>
		<description><![CDATA[Buying a new car is the biggest decision a consumer will make, second to buying a home. The process of negotiating against a “seasoned veteran,” when you may consider yourself a “rookie” buyer, can be a very intimidating and trying experience. However, the fastest way to upgrade your car buying confidence is to do your research, ask the right questions, and inform yourself of the rights available to consumers in the Commonwealth of Massachusetts.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Friend or Foe? Debt Collectors Get Social Too</title>
		<link>http://www.culiklaw.com/2011/08/11/friend-or-foe-debt-collectors-get-social-too/</link>
		<comments>http://www.culiklaw.com/2011/08/11/friend-or-foe-debt-collectors-get-social-too/#comments</comments>
		<pubDate>Thu, 11 Aug 2011 18:27:42 +0000</pubDate>
		<dc:creator>CULIK LAW</dc:creator>
				<category><![CDATA[CONSUMER LAW]]></category>
		<category><![CDATA[DEBT DEFENSE]]></category>
		<category><![CDATA[Consumer Financial Protection Bureau]]></category>
		<category><![CDATA[consumer law]]></category>
		<category><![CDATA[consumer protection]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit card]]></category>
		<category><![CDATA[debt defense]]></category>
		<category><![CDATA[student loans]]></category>
		<guid isPermaLink="false">http://www.culiklaw.com/?p=1018</guid>
		<description><![CDATA[Debt Collectors are using social networking sites to search for debtors by name and attempt to be their “friend”. Once your profile is accessible, an abundance of personal information can be exposed. ]]></description>
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