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What to Do if You are Sued for a Debt by Cavalry SPV I

Culik Law is a consumer protection law firm in Boston, Massachusetts. We help consumers against debt collectors and only represent or provide legal advice to individuals who live or are being sued in Massachusetts. This is a blog about debt collector Cavalry SPV I. If...

Culik Law files lawsuits against Chase, Wells Fargo, Fannie Mae

Culik Law recently filed new lawsuits against major banks and financial institutes, including Chase, Wells Fargo, and Fannie Mae, related to unfair business practices arising out of homeowners’ attempts to obtain loan modifications under programs such as the Home Affordable Modification Program (HAMP). The lawsuits allege...

Appeals Court Rules in Favor of Massachusetts Homeowner

Reviewing a Massachusetts homeowner’s trial loan modification agreement with her mortgage bank, an appeals court ruled in Young v. Wells Fargo Bank, N.A. (Case no. 12-1405) that the homeowner was entitled to a permanent loan modification. The homeowner’s loan modification was offered under the federal Home...

Bank of America Headed to Trial For Wrongful Foreclosure

In a recent decision on the HAMP loan modification program, a magistrate judge of the US District Court for Massachusetts ruled that homeowners who were foreclosed on while under consideration for a loan modification may proceed with a lawsuit against Bank of America. Bank of America...

How to Defend Against a Debt-Collection Lawsuit

If you have received a notice that a debt collector filed a lawsuit against you in court, you may be wondering what to do. Often, people who are sued do not actually owe the debt because the account at issue was paid off already, or...

8 Simple Ways To Elevate Your Credit Score

8 Simple Ways To Elevate Your Credit Score Is your credit (FICO) score helping you or hurting you? Were you recently denied credit or a good interest rate because of it? There are a few things you can start doing right now to up your score...

Protecting Proceeds Home Sale in Bankruptcy

The Massachusetts Homestead Protection Law protects your home from being sold or seized by creditors in court proceedings or in bankruptcy for debts you might owe to them. If you intend to sell your home, and if you want to keep the sale proceeds safe...

CFPB’s Plan to Monitor Credit Bureaus

Credit bureaus collect all sorts of information about us from credit card companies. This information affects whether you can get a mortgage, a credit card, an apartment, and virtually every aspect of your financial life. ...

Solicitations by Phone or Text… Just Say No

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,...

Rights Come Standard When Buying a New Car in Massachusetts

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...

Friend or Foe? Debt Collectors Get Social Too

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. ...