Consumer
Bankruptcy News Briefs 3/15

Extra, Extra! Read all about Thursday’s headlines…
Over 14,000 individuals discharged from bankruptcy status between 2013 and 2017 (Updated)
Is bankruptcy an option when illness wrecks finances?
Q&A: Student Loan Borrowers With Seized Tax Refunds
American women hold two-thirds of all student debt—here’s why
Most couples plan to start married life with this costly ball and chain
Student Loan Debtors Getting Kicked Out of Income Driven Plans in Bankruptcy
2nd Circuit finds bankruptcy claim non-arbitrable
South Dakota bankruptcy filings on the rise
Community bankers say Senate bill will not impact HDMA reporting
Judge Refuses to Put Debt Collector “Between a Rock and a Hard Place”
Court Of Appeal Finds Mortgage Servicer To Be A Debt Collector
National credit card debt hits $1 trillion
Have you read the latest edition of the Consumer Bankruptcy Journal?
Features in this quarter’s issue include:
- The President’s Report
- Six Secrets of the IRS Account Transcripts
- Court Won’t Let Bank of America “Buy’ and “Bury” Judgment Against It
- Notice of Elections
Visit the CBJ to read these articles and more!
Register for NACBA’s Webinars!
TODAY: Escrow Shortage Claims
Date: March 15, 2018
Time: 1:00 PM Eastern / 10:00 AM Pacific (60 Minutes)
Cost: $25 Members / $75 Non-Members
Presenters: Tara Twomey, Esq. & John Rao, Esq.
Have you ever received a mortgage arrearage claim including a hefty escrow shortage? This webinar will examine how to review that claim for accuracy and how to explain it to your client. Don’t miss this opportunity to save yourself time and aggravation when reviewing these claims.
Register HERE
Circuit Case Law Update
Date: ON DEMAND
Time: ON DEMAND
Cost: Free for NACBA Members
Presenters: Jim Molleur, David Shaev, Trish Meyer, Koury Hicks, Behrooz Vida, Brian Flick, David Yen, Wendell Sherk, Stanley Zlotoff, Jill Michaux and Nathan Juster.
Register HERE
Who’s Ready for the 2018 NACBA Annual Convention?!
Visit the Annual Convention site for the updated schedule, speakers, pre-convention sessions and more! In a blink of an eye, April will arrive and we don’t want you to miss out on this awesome Annual Convention!
Bankruptcy News Briefs 3/14
Take a look at today’s midweek headlines…
What the Battle Over Student Loan Servicers Means for Borrowers
CFPB Provides Some Relief to Mortgage Servicers Communicating with Borrowers, But Questions Remain
Senate bill would diminish mortgage disclosures by banks
Dodging the Issue: The Supreme Court “Weighs” In On Bankruptcy Law
Kick Back and Read the Latest Edition of the Consumer Bankruptcy Journal!
Features in this quarter’s issue include:
- The President’s Report
- Six Secrets of the IRS Account Transcripts
- Court Won’t Let Bank of America “Buy’ and “Bury” Judgment Against It
- Notice of Elections
Visit the CBJ to read these articles and more!
Register for NACBA’s Webinars!
TOMORROW: Escrow Shortage Claims
Date: March 15, 2018
Time: 1:00 PM Eastern / 10:00 AM Pacific (60 Minutes)
Cost: $25 Members / $75 Non-Members
Presenters: Tara Twomey, Esq. & John Rao, Esq.
Have you ever received a mortgage arrearage claim including a hefty escrow shortage? This webinar will examine how to review that claim for accuracy and how to explain it to your client. Don’t miss this opportunity to save yourself time and aggravation when reviewing these claims.
Register HERE
Circuit Case Law Update
Date: ON DEMAND
Time: ON DEMAND
Cost: Free for NACBA Members
Presenters: Jim Molleur, David Shaev, Trish Meyer, Koury Hicks, Behrooz Vida, Brian Flick, David Yen, Wendell Sherk, Stanley Zlotoff, Jill Michaux and Nathan Juster.
Register HERE
Who’s Ready for the 2018 NACBA Annual Convention!
Visit the Annual Convention site for the updated schedule, speakers, pre-convention sessions and more! In a blink of an eye, April will arrive and we don’t want you to miss out on this awesome Annual Convention!
Don’t Miss Thursday’s New NACBA Webinar!
Bankruptcy News Briefs 3/8

Thursday’s News…
FCC Continues Consideration of a Reassigned Number Database
Creditors Should Build Trust in Collections by Saying ‘Goodbye’
FDCPA Caselaw Review for January 2018
Senate banking bill would make credit freezes free
How Well Do States Protect Consumers from Unfair and Deceptive Business Practices?
New Sanctions Proposed for Colleges Under Student Loan Rule
Promontory MortgagePath adds former top CFPB lawyer as chief compliance officer
PayThink The CFPB must set aside politics to serve its role
Too much student loan debt? Iowa lawmakers think they have a solution
WHY DOES BANKRUPTCY FAIL SO MANY AMERICANS?
U.S. Household Debt Rose Last Quarter at Fastest Rate Since 2007
Gainful Employment Rule Affects Student Loan Borrowers
Illegal ‘zombie’ debt collections rampant in Florida, advocate says
U.S. Consumers Rack Up $11.9 Billion in Overdue Credit Card Debt
Kick Back and Read the Latest Edition of the Consumer Bankruptcy Journal!

Features in this quarter’s issue include:
- The President’s Report
- Six Secrets of the IRS Account Transcripts
- Court Won’t Let Bank of America “Buy’ and “Bury” Judgment Against It
- Notice of Elections
Visit the CBJ to read these articles and more!
Register for NACBA’s Webinars!
Escrow Shortage Claims
Date: March 15, 2018
Time: 1:00 PM Eastern / 10:00 AM Pacific (60 Minutes)
Cost: $25 Members / $75 Non-Members
Presenters: Tara Twomey, Esq. & John Rao, Esq.
Register HERE
Have you ever received a mortgage arrearage claim including a hefty escrow shortage? This webinar will examine how to review that claim for accuracy and how to explain it to your client. Don’t miss this opportunity to save yourself time and aggravation when reviewing these claims.
Circuit Case Law Update
Date: ON DEMAND
Time: ON DEMAND
Cost: Free for NACBA Members
Presenters: Jim Molleur, David Shaev, Trish Meyer, Koury Hicks, Behrooz Vida, Brian Flick, David Yen, Wendell Sherk, Stanley Zlotoff, Jill Michaux and Nathan Juster.
Register HERE
Who’s Ready for the 2018 NACBA Annual Convention!
Visit the Annual Convention site for the updated schedule, speakers, pre-convention sessions and more! In a blink of an eye, April will arrive and we don’t want you to miss out on this awesome Annual Convention!

Bankruptcy News Briefs 3/6

Stay Updated With Tuesday’s Headlines…
Republican Members of Congress File Amicus Brief in Support of CFPB Acting Director
CFPB Looking for Input on its Controversial Complaint Portal
TransUnion Report Reveals Current Consumer Credit Trends, Including 20.3 Million More Accounts
Debt Collection Law Firms Must Follow FDCPA in Foreclosure Cases, Court Says
California braces for battle with Trump administration over student loans
DC tops national credit card debt list, Baltimore ranks 6th
Court Finds Mini-Miranda Not Necessary for Consumer-Initiated Call
Sixth Circuit Dismisses FDCPA Claim Based On Letter For Lack Of Standing
Register for NACBA’s Webinars!
Escrow Shortage Claims
Date: March 15, 2018
Time: 1:00 PM Eastern / 10:00 AM Pacific (60 Minutes)
Cost: $25 Members / $75 Non-Members
Presenters: Tara Twomey, Esq. & John Rao, Esq.
Register HERE
Have you ever received a mortgage arrearage claim including a hefty escrow shortage? This webinar will examine how to review that claim for accuracy and how to explain it to your client. Don’t miss this opportunity to save yourself time and aggravation when reviewing these claims.
Circuit Case Law Update
Date: ON DEMAND
Time: ON DEMAND
Cost: Free for NACBA Members
Presenters: Jim Molleur, David Shaev, Trish Meyer, Koury Hicks, Behrooz Vida, Brian Flick, David Yen, Wendell Sherk, Stanley Zlotoff, Jill Michaux and Nathan Juster.
Register HERE
Who’s Ready for the 2018 NACBA Annual Convention!
Visit the Annual Convention site for the updated schedule, speakers, pre-convention sessions and more! In a blink of an eye, April will arrive! Register today and get savings at the Early Bird Rate!

Stay Updated With NACBA’s Washington Update

Bankruptcy News Briefs 2/26

Dive Into New Headlines…
Fourth Circuit Looks at Multiple Factors in Bad Faith Analysis
Advocates to FCC: Do More, Much More to Block Unwanted Robocalls
17 Lawsuits Now Filed in Dept of ED Collection Contract, Chapter 2
Maryland Court Finds Mini-Miranda Not Necessary on Certain Consumer-Initiated Calls
CFPB Seeks Input on Town Halls, Field Hearings in Agency Review
What The Climbing Debt Defaults Really Mean For The Economy
Chapter 13 Debtor Could Not Defer Surrender of her Home Until her Son Graduated High School
Bankruptcy Remoteness Going to a Court of Appeals
Department of Education Considering Student Loan Bankruptcy Rule Changes
2017 Consumer Finance Year in Review
Congressional Research Service Releases Bankruptcy & Student Loans Report
On Thursday, February 22, 2018, the Congressional Research Service released a report titled “Bankruptcy and Student Loans”. The report explains how and why the Bankruptcy Code makes student loans nondischargeable unless undue hardship is proven. It concludes with providing potential considerations for Congress to treat student loans moving forward. Read the Full Report.
Register for NACBA’s Webinars!
Escrow Shortage Claims
Date: March 15, 2018
Time: 1:00 PM Eastern / 10:00 AM Pacific (60 Minutes)
Cost: $25 Members / $75 Non-Members
Presenters: Tara Twomey, Esq. & John Rao, Esq.
Register HERE
Have you ever received a mortgage arrearage claim including a hefty escrow shortage? This webinar will examine how to review that claim for accuracy and how to explain it to your client. Don’t miss this opportunity to save yourself time and aggravation when reviewing these claims.
Circuit Case Law Update
Date: ON DEMAND
Time: ON DEMAND
Cost: Free for NACBA Members
Presenters: Jim Molleur, David Shaev, Trish Meyer, Koury Hicks, Behrooz Vida, Brian Flick, David Yen, Wendell Sherk, Stanley Zlotoff, Jill Michaux and Nathan Juster.
Register HERE
Who’s Ready for the 2018 NACBA Annual Convention!
Visit the Annual Convention site for the updated schedule, speakers, pre-convention sessions and more! In a blink of an eye, April will arrive! Register today and get savings at the Early Bird Rate!

Bankruptcy News Briefs 2/15

Today’s Headlines…
U.S. House Votes to Weaken State Limits on High-Cost Loans
No Excuses for Student Loan Servicer’s Failure to Comply with Plan
N.D. Illinois Makes Reasonable Ruling on Interest Disclosure Requirements
CFPB Continues Search for Evidence with Supervision RFI
Regulatory Reform Panel Raises Important Discussion
IRS Issues Scam Alert on Fraudulent Callers Impersonating Debt Collection Agencies
Third Circuit Holds “Settlement Language” in Collection Letter Can Be Misleading
How the CFPB Plans to Scale Back Its Regulatory Mission
No letup to CFPB investigation into Equifax, Mulvaney says
US Household Debt Spikes In Q4 2017
FTC Accuses Student Loan Debt Relief Operation of Deceiving Consumers
Trump May End Student Loan Forgiveness Program
Register for NACBA’s Webinars!
Set Yourself Apart & Make Money: Use Non-Standard Provisions in Local Chapter 13 Plan
Date: Thursday, February 22, 2018
Time: 2:00 PM Eastern / 11:00 AM Pacific (90-120 Minutes)
Cost: $25 Members / $75 Non-Members
Presenters: O. Max Gardner and Henry Sommer
Register HERE
Who’s Ready for the 2018 NACBA Annual Convention!
Visit the Annual Convention site for the updated schedule, speakers, pre-convention sessions and more! In a blink of an eye, April will arrive! Register today and get savings at the Early Bird Rate!

Bankruptcy News Briefs 2/13

Dive Into Today’s Headlines…
Congress Would Control CFPB Under White House Budget Proposal
CFPB and White House Strategic Plans Appear to be Aligned
Litigation Filed (Again) in New Chapter of ED Private Collection Agency Contract
Southern District of Florida Finds Telephone Dialing System Not an ATDS Under the TCPA
A Cold, Drafty Valentine for Low Income and Working Families in President Trump’s Proposed Budget
Falls debt collector collected debts, not once, but twice
3rd Circuit revives lawsuit over collection of time-barred debt
Here are the cities with the most credit card debt
Register for NACBA’s Webinars!
Set Yourself Apart & Make Money: Use Non-Standard Provisions in Local Chapter 13 Plan
Date: Thursday, February 22, 2018
Time: 2:00 PM Eastern / 11:00 AM Pacific (90-120 Minutes)
Cost: $25 Members / $75 Non-Members
Presenters: O. Max Gardner and Henry Sommer
Register HERE
Who’s Ready for the 2018 NACBA Annual Convention!
Visit the Annual Convention site for the updated schedule, speakers, pre-convention sessions and more! In a blink of an eye, April will arrive! Register today and get savings at the Early Bird Rate!




