Consumer Bankruptcy Journal

Bankruptcy News Briefs 8/3

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Midweek Headlines…

The CFPB Ombudsman’s Office released its mid-year update in July, focusing on individual inquiries to the Ombudsman, related to CFPB proposed rules, the consumer complaint database, and other outreach initiatives…CFPB Ombudsman’s Office Releases Mid-year Update

Consumer spending increased 0.4 percent, or by $53 billion, in June, according to estimates from the Bureau of Economic Analysis and U.S. Department of Commerce…Consumer Spending Increases in June

A mortgage creditor violated the automatic stay by mistakenly filing a claim to which it had no rights and by failing to immediately return payments on that claim it had received by the trustee. In re Mocella, No. 10-42287 (Bankr. N.D. Ohio June 15, 2016)…Incompetence Does Not Excuse Stay Violation

Experian, today released Contact Monitor to help businesses reduce wrong-party contact that supports compliance with the TCPA…Experian’s Contact Monitor Strengthens Business Insight on Customer Contact Info

The CFPB outlines four principles to guide its discussions on the future of loss mitigation as the U.S. Treasury’s crisis-era Home Affordable Modification Program is phased out at the end of 2016…CFPB Issues Principles for Future of Loss Mitigation

Student debt may be contributing to wealth inequality…New York Fed warns of troubling consequence of rising student loan debt

Second Circuit Raises a Caution Flag for Sales Free-and-Clear of Claims

Attorney “Meaningful Involvement” Case Sent Back to District Court

UPCOMING WEBINARS

How To Build a Thriving Bankruptcy Practice In A Down Market
DATE: Thursday, August 11, 2016 – 3:00 PM EST / 12:00 PM PST
COST: Free to NACBA Members
PRESENTER: Mr. Richard James
REGISTER HERE

CFPB Proposed Rule on Payday & Car Title Lending
DATE: Thursday, August 18, 2016 – 3:00 PM EST / 12:00 PM PST
COST: Free to NACBA Members
PRESENTERS:
– Ms. Ellen Harnick, Senior Policy Counsel & Western States Director, CRL
– Ms. Lisa Stifler, Deputy Director of State Policy, CRL
REGISTER HERE

CONSUMER BANKRUPTCY JOURNAL HIGHLIGHT

Today’s #CBJ spotlight comes from Morgan D. King’s article, “Sales Tax Discharge Issues in Bankruptcy. ” Go to King’s Korner to read more!

MARK YOUR CALENDARS

Register Now for the Early Bird Rate!

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Join us to set sail for NACBA’s Summit at Sea (#NACBASEA) setting sail from October 7th-10thwith a a Pre-Cruise event and a Launch Party on October 6th. Get great savings by taking advantage of the Early Bird Rate ending, September 2nd! Check out the ScheduleandRegisterToday!

SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION

2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida

JOIN NACBA TODAY

Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!

Bankruptcy News Briefs 8/1

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New Month New Headlines…

CFPB Previews Debt Collection Rule in SBREFA Outline

Debt-collection proposals: Fewer calls, easier to dispute

There’s one reason a big chunk of Americans have ‘negative wealth’

CFPB will update Know Before You Owe rule

Wells Fargo Bank Settles TCPA Lawsuit

CONSUMER BANKRUPTCY JOURNAL HIGHLIGHT

Are you looking for ways to grow your law firm? Then you’ll want to read “4 Keys to Breaking the 7 Figure Barrier,” by Stephen Fairley with the Rainmaker Institute. Learn the specific strategies and compelling keys that will help you cross that barrier and make your firm a success!

MARK YOUR CALENDARS

Register Now for the Early Bird Rate!

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SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION

2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida

JOIN NACBA TODAY

Not a member of NACBA?

Bankruptcy News Briefs 7/29

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News Leading into the Weekend…

Consumer Litigation Cases on the Rise in June

How new CFPB proposals may affect the way debt collectors contact you

Credit and Collection Industry Makes Voice Heard at CFPB Debt Collection Field Hearing

ACA International Statement on Outline of Proposed Debt Collection Rule Being Considered by the CFPB

Obama and Warren Reflect On Wall Street Reform’s Progress

Treasury Reflects On Six Years of Reform Progress

Serious Delinquencies Continue to Seriously Decline

CONSUMER BANKRUPTCY JOURNAL HIGHLIGHT

2016 is an exciting year with the elections quickly upon us. NACBA continues to work with interested members and staff members on the important issues such as student loans, bankruptcy, privacy protection for consumer debtors, facing our bankruptcy attorneys and their clients. Take a moment to read the Legislative Update, by Maureen Thompson in the summer edition of the Consumer Bankruptcy Journal and get involved on the matters that matter to you.

MARK YOUR CALENDARS

Register Now for the Early Bird Rate!

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SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION

2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida

JOIN NACBA TODAY

Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!

Bankruptcy News Briefs 7/28

nacbapicture What’s Happening Today?

Breaking News: CFPB Releases Outline of Proposals for Debt Collection Rulemaking

Three-Month Debt Collection Complaint Average Continues to Decline

Funds in Joint Account Belong Solely to Non-Debtor

Advocates Applaud CFPB Proposed Debt Collection Rules but Additional Provisions Are Needed

Direct access to insurers of insolvent entities at last? Third Parties (Rights Against Insurers) Act 2010

Debt collectors face tighter regulation by feds

Senators seek tax relief for student loan burdens

Legal Alert: Voice Over Internet Protocol and the TCPA: The Hidden Pothole on the Information Super Highway

EXTRA, EXTRA READ ALL ABOUT IT!

The summer edition of the Consumer Bankruptcy Journal is hot off the presses! Read articles and hot topics that are relevant to you and your firm, written by your peers!

MARK YOUR CALENDARS

Register Now for the Early Bird Rate!

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Join us to set sail for NACBA’s Summit at Sea (#NACBASEA) setting sail from October 7th-10th with a a Pre-Cruise event and a Launch Party on October 6th. Get great savings by taking advantage of the Early Bird Rate ending, September 2nd! Check out the Schedule and Register Today!

SAVE THE DATE FOR THE NEXT ANNUAL CONVENTION

2017 NACBA’s 25th Annual Convention – Silver Anniversary
Thursday, May 4 – Sunday, May 7, 2017
Orlando, Florida

JOIN NACBA TODAY

Not a member of NACBA? Join today and take advantage of the benefits, networking opportunities and resources NACBA has to offer!

Bankruptcy News Briefs 4/22

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Headlines Leading Into the Weekend…

Judge Rules Against CFPB in College Accreditor Case

Home Sellers Experience Highest Price Gains in More Than Eight Years

CFPB Sues Co-Founders of Lead Aggregator

CFPB Readies a Proposal to Let Consumers Sue Banks

Bank Overdraft Fees Hit Younger Adults Hardest, Pew Says

HAVE YOU READ THE NEWEST EDITION OF NACBA’S CONSUMER BANKRUPTCY JOURNAL ?

The latest edition of the CBJ is full of relevant and timely articles that you won’t want to miss! Kick back and check out these articles that matter to you and your firm!

26 DAYS UNTIL #NACBASF!

Experience the NACBA Convention! Don’t take our word for it, watch bankruptcy attorneys from across the country describe the NACBA Convention

UPCOMING NACBA EVENTS

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Thursday, April 28, 2016
NACBA WEBINAR

Building a 7-Figure Lifestyle Law Firm:
Upscaling from a Job, to a Practice, to a Business
3 PM Eastern / 2PM Central / 1PM Mountain / 12 PM Pacific
Presented by: Stephen Fairley, CEO of The Rainmaker Institute
FREE for NACBA Members. Register HERE

May 19th-22nd, 2016
NACBA’s 24th Annual Convention, San Francisco, CA

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Register HERE

October 7th-10th, 2016
NACBA’s Summit At Sea Fall Workshop- Members Only Event

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Register HERE

KEEP YOUR NACBA MEMBERSHIP CURRENT

With so many exciting educational events and networking opportunities on the horizon don’t forget to renew your NACBA Membership! Renew Today!

Not a member of NACBA? Take advantage of all the benefits NACBA Members receive and Join NACBA Today!

Bankruptcy News Briefs 4/5

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Today’s News

Shielding Funds in Spouse’s Bank Account

Appeals Court Raises Constitutional Questions About CFPB

The pending crackdown on payday lending is causing the exact Washington argument you’d expect

Debt-Collection Reforms Protect Consumers and Credit Access

Blog: Official Bankruptcy Forms Revised To Reflect April 1, 2016 Dollar Amount Adjustments Now In Effect

Supreme Court upholds verdict against Wells Fargo on overdraft fees in California

Bernard Madoff to be deposed by victims’ lawyers -filing

READ THE SPRING EDITION OF NACBA’S CONSUMER BANKRUPTCY JOURNAL (CBJ)

Kentucky Bankruptcy Attorney Mediator Dean Langdon

Dean Langdon
Delcotto Law Group, PLLC

Have you encountered clients who have multiple liens against them from their debtors? Read Dean Langdon’s article, “Twists and Turns, On the Road to Avoid Judicial Liens,” in the spring edition of the CBJ.

6 DAYS UNTIL THE NEXT NACBA WEBINAR! HAVE YOU REGISTERED?

Lessons from Harris v. Viegelahn
Monday, April 11, 2016, 60 minutes
3 PM Eastern / 2PM Central / 1PM Mountain / 12 PM Pacific

Presented by: Chief Judge Melvin S. Hoffman of the U.S. Bankruptcy Court for the District of Massachusetts, Tara Twomey of NCBRC and Brett Weiss, Esq. of Chung & Press, LLC

Registration deadline: 4/11/16 at 2PM Eastern.
$25 Member / $75 Non Member
Registration HERE

In Harris v. Veigelhan, the Supreme Court resolved a disagreement among courts over the question of whether a debtor or his creditors should receive funds derived from the debtor’s post-petition wages held by the trustee under a confirmed chapter 13 plan when the case is converted to chapter 7 in good faith. In a clear, concise, and narrowly focused decision the Court ruled in the debtor’s favor. Subsequently, some courts have applied Harris broadly to deny payment of debtor’s counsel in other circumstances.

This webinar will review the various post-Harris cases that have been decided and offer practical suggestions for ways in which debtor’s counsel can get paid in unsuccessful chapter 13 cases.

If you are unable to participate in webinar at scheduled time, register by 4/11/16 at 2 PM Eastern and you will receive recording, materials and discounted pricing. After 4/11/16, the webinar will be available in the NACBA Store.

ONLY 3 DAYS REMAIN FOR YOU TO RECEIVE THE EARLY BIRD RATE FOR #NACBASF!

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It is hard to believe that #NACBASF is only 43 days away! We are gearing up for an awesome convention that is designed to help grow your practice while also increasing service to existing clients. Not only will attendees be treated to an overview and analysis of the current economic, business and political climate but various panels of experts will help you think inside and outside the bankruptcy box in order to increase revenue.

We want #NACBASF to be an affordable opportunity for you so we have the Early Bird Rate that will save you $100.00, but you only have 3 days left to register at this rate! Register Today so you can take advantage of these savings.

Convention Registration

Early Bird

Ends FRI, APR 8

Regular Registration

After FRI, APR 8

Member

$695

$795

Non Member

$945

$1045

VACATION AND EDUCATION! REGISTRATION OPENS NEXT WEEK!

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Why not mix a little work with a little play! Earn CLE while you have some fun at NACBA’s Fall Workshop Summit at Sea, October 7th-10th, 2016. The location might be unexpected, but the education provided aboard will be what NACBA members have come to expect from our educational programs. An added bonus is you can make it a family affair!

Take a look at what the family can experience on board:

NEW! Royal Babies and Tots Nursery^SM
Complimentary Adventure Ocean® Youth Program
Expanded teen-only hangout areas
Splash Deck with interactive play fountain
Bungee trampoline area for kids ages 6 and up
Family-friendly activities including games, contests, enrichment classes and lectures

Save the Date and come sail away with NACBA!

KEEP YOUR NACBA MEMBERSHIP CURRENT

With so many exciting educational events and networking opportunities on the horizon don’t forget to renew your NACBA Membership! Renew Today!

Not a member of NACBA? Take advantage of all the benefits NACBA Members receive and Join NACBA Today!

Receive NACBA’s Bankruptcy News Briefs Automatically

Subscribe Today!

Bankruptcy News Briefs 4/4

Headlines Kicking Off the Week…

Hospital Files Contract Breach Lawsuit Against Collection Agency

FTC Reminds Collectors About Text Messages, Social Media Risks

Collection Complaints Again Top List; Drop Year-to-Year

Why CFPB’s Consumer Relief Fund Has Ballooned

Convenience Fees: Potential for Mischief?

The Week Ahead: Congress to Test CFPB Director Again

Federal watchdogs: Military members lodge thousands of complaints against debt collectors

READ THE SPRING EDITION OF NACBA’S CONSUMER BANKRUPTCY JOURNAL (CBJ)

The latest edition of the CBJ is full of relevant and timely articles that you won’t want to miss! Kick back and check out these articles that matter to you and your firm!

7 DAYS UNTIL THE NEXT NACBA WEBINAR! HAVE YOU REGISTERED?

Lessons from Harris v. Viegelahn
Monday, April 11, 2016, 60 minutes
3 PM Eastern / 2PM Central / 1PM Mountain / 12 PM Pacific

Presented by: Chief Judge Melvin S. Hoffman of the U.S. Bankruptcy Court for the District of Massachusetts, Tara Twomey of NCBRC and Brett Weiss, Esq. of Chung & Press, LLC

Registration deadline: 4/11/16 at 2PM Eastern.
$25 Member / $75 Non Member
Registration HERE

This webinar will review the various post-Harris cases that have been decided and offer practical suggestions for ways in which debtor’s counsel can get paid in unsuccessful chapter 13 cases.

ONLY 4 DAYS REMAIN FOR YOU TO RECEIVE THE EARLY BIRD RATE FOR #NACBASF!

It is hard to believe that #NACBASF is only 44 days away! We are gearing up for an awesome convention that is designed to help grow your practice while also increasing service to existing clients. Not only will attendees be treated to an overview and analysis of the current economic, business and political climate but various panels of experts will help you think inside and outside the bankruptcy box in order to increase revenue.

We want #NACBASF to be an affordable opportunity for you so we have the Early Bird Rate that will save you $100.00, but you only have 4 days left to register at this rate! Register Today so you can take advantage of these savings.

Convention Registration

Early Bird

Ends FRI, APR 8

Regular Registration

After FRI, APR 8

Member

$695

$795

Non Member

$945

$1045

EXHIBITOR AND SPONSORSHIP OPPORTUNITIES

NACBASF and NACBA’s Fall Workshop Summit is the perfect opportunity to be an exhibitor or sponsor to showcase your product. Learn more about how you can participate in the 2016 Prospectus.

VACATION AND EDUCATION! REGISTRATION OPENS NEXT WEEK!

Take a look at what you can experience on board:

NEW! Outdoor, poolside movie screen
Vitality^SM Spa with extensive treatment menu
State-of-the-art Fitness Center, with classes ranging from aerobics to kickboxing to yoga
3 pools including the Solarium, an adults-only retreat*
6 whirlpools
Concierge Club

Save the Date and come sail away with NACBA!

KEEP YOUR NACBA MEMBERSHIP CURRENT

With so many exciting educational events and networking opportunities on the horizon don’t forget to renew your NACBA Membership! Renew Today!

Not a member of NACBA? Take advantage of all the benefits NACBA Members receive and Join NACBA Today!

Receive NACBA’s Bankruptcy News Briefs Automatically

Subscribe Today!

Bankruptcy News Briefs 12/21

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What’s Happening?

Credit Reporting Practices Prompt $6.4M CFPB Fine

Mortgage Default Rates Improved in November: S&P/Experian

Revised Federal Student Loan Repayment Plan Takes Effect

Attorney Fees Are Actual Damages for Stay Violation

When is a Message a Communication “With” a Third Party? The Debate Rages On

United States: CFPB Card Act Report Identifies Five Credit Card Practices That “Warrant Further Scrutiny”

Hearing On CFPB Bulk Data Collection Raises Consumer Safety Concerns

THE WAIT IS OVER! REGISTRATION IS OPEN FOR NACBASF!

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NACBA is excited to announce that Registration is Open for the 24th Annual Convention on May 19-22nd in San Francisco! Register by March 25th to Receive the Early Bird Rate!

You won’t want to miss NACBASF’s prominent Keynote Speakers!

Bob Shrum, Famed Political Consultant. Shrum has advised practically every major Democratic candidate from Edmund Muskie and Ted Kennedy to All Gore and John Kerry, and understands how political campaigns are fought and won. Shrum is the author of No Excuses: Concessions of a Serial Campaigner.

Nomi Prins, Renowned Author & Commentator from Wall Street to Washington. Prins’ latest acclaimed book is All the Presidents’ Bankers. Other books include It Takes Pillage: Behind the Bonuses, Bailouts, and Backroom Deals and Other People’s Money: The Corporate Mugging of America, chosen as a Best Book of 2004. A frequent media commentator, Nomi has appeared on CNN, MSNBC, CNBC, CSPAN, PBS, FOX and other TV stations.

Visit http://nacbacon.com/ to register and learn more about the sessions, keynote speakers and a few new things NACBA has in store for you!

Start Your New Year Off With A New Webinar!

Yelp, Avvo & Google Oh My! Online Reputation Management for Bankruptcy Attorneys

Wednesday, January 20, 2016, 60 minutes
3 PM Eastern / 2PM Central / 1PM Mountain / 12 PM Pacific
Presented by: Catherine Sanders Reach, Director, Law Practice Management & Technology, Chicago Bar Association.
FREE Members / $49 Non Member. REGISTER HERE

THE FALL 2015 CONSUMER BANKRUPTCY JOURNAL

Read “Mortgaging Services Abuses,”and get Max’s Nifty Fifty by O. Max Gardner III in NACBA’s last edition of the 2015 Consumer Bankruptcy Journal!

ATTENTION #NACBASF EXHIBITORS AND SPONSORS! RESERVE YOUR BOOTH TODAY!

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Good News! You have the chance to be an Exhibitor and/or Sponsor at 2 NACBA Events!

Registration is Now Open for Exhibitors and Sponsors for the 24th Annual NACBA Convention in San Francisco, CA May 19-22nd 2016 and/or at NACBA”s Fall Workshop, Summit at Sea, October 7th-10th 2016! Both events are perfect opportunities to network and showcase your company!Visit the Prospectus to reserve your booth or become a sponsor today!

SAVE THE DATE!

2016 never looked better! Sail the friendly seas when you register for NACBA’s Fall Workshop Summit at Sea, October 7th-10th, 2016.

KEEP YOUR NACBA MEMBERSHIP CURRENT

With so many exciting educational events and networking opportunities on the horizon in 2016 don’t end this year without renewing your NACBA Membership! Renew Today!

Not a member of NACBA? Want to take advantage of all the benefits NACBA Members receive? Join NACBA Today!

Receive NACBA’s Bankruptcy News Briefs Automatically!

Subscribe to NACBA NOW!

Bankruptcy News Briefs 12/15

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Making Headlines…

Debt Buyer’s Financials Raise Research Firm’s Fears

Proposed Bill Would Help State Collect Library Fines

Supreme Court to Hear FDCPA Case

TransUnion Predicts Increase in Auto Loan Balances

Supreme Court Enforces Mandatory Arbitration Provision in California

Student Loan Discharged Despite IBRP

Register for NACBA’s Upcoming Webinars!

Today’s The Day!! Register Now!!

Encumbered Property
Tuesday, December 15, 2015
3 PM Eastern / 2 PM Central / 1 PM Mountain / 12 PM Pacific
Presented by: Hon. Eugene R. Wedoff & Tara Twomey, Esq.
Registration is Open! $25.00 for Members $75.00 for Non Members

THE FALL 2015 CONSUMER BANKRUPTCY JOURNAL

With a new year upon us, does your office new a fresh start or a fresh attitude? Read about the key ways your actions will impact your employees in Kevin Chern’s article, “Actions Speak Louder Than Words in the Office,” in NACBA’s 2015 Consumer Bankruptcy Journal!

ATTENTION #NACBASF EXHIBITORS AND SPONSORS! RESERVE YOUR BOOTH TODAY!

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Good News! You have the chance to be an Exhibitor and/or Sponsor at 2 NACBA Events!

SAVE THE DATE!

2016 never looked better! Mark your calendars for 2 NACBA Events you won’t want to miss! Both events will be in beautiful locations, provide informative education sessions, and is an ideal opportunity to network with your colleagues while you earn CLE! Get ready to attend:

The 24th Annual NACBA Convention in gorgeous San Francisco, May 19th-22nd, 2016
Sail the friendly seas when you register for NACBA’s Fall Workshop Summit at Sea, October 7th-10th, 2016

KEEP YOUR NACBA MEMBERSHIP CURRENT

With so many exciting educational events and networking opportunities on the horizon in 2016 don’t end this year without renewing your NACBA Membership! Renew Today!

Not a member of NACBA? Want to take advantage of all the benefits NACBA Members receive? Join NACBA Today!

Receive NACBA’s Bankruptcy News Briefs Automatically!

Subscribe to NACBA NOW!