consumer Tag

FDCPA debt Massachusetts

Court Limits Application of FDCPA Validation Provisions

Under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, debt collectors are required to provide verification (also sometimes called validation) of a debt being collected if a consumer sends a written dispute. A recent federal court case explains the potential limits of this...

foreclosure massachusetts

Foreclosure Valid Despite Failure to Send Required Notice

The Massachusetts Supreme Judicial Court has ruled that a foreclosure is valid even though the bank who foreclosed did not send a mandatory post-foreclosure notice to the city. Previously, the Supreme Judicial Court has held that a violation of any of the foreclosure laws renders a...

Consumer Protection Rights

Consumer Protections at Risk of Being Rolled Back; How to Help

The new administration announced plans to roll back consumer protections via an Executive Order. Although the order is vague, it essentially gives the U.S. Department of the Treasury instructions to restructure and limit the Dodd-Frank Act, the law passed to increase consumer protections after the...

Politics of the Foreclosure Crisis

Interesting slideshow in the Washington Post with a look at various leaders in Washington involved in the foreclosure mess. From Elizabeth Warren - on the side of the individual with goals like protecting consumers against predatory lending -- from credit cards to mortgages, to Timothy...