Fair Credit Reporting

#NACBASEA Session Spotlight With Cary Flitter

Searching For Treasure? 

Then dive into today’s #NACBASEA Session Spotlight…

“Find a Treasure Trove of Consumer Law Violations in Your Bankruptcy Treasure Chest: Fair Debt, Credit Reporting, Telephone Consumer Protection Act. Booty Awaits.” 

Consumer law violations are common problems for debtors and can be filed in bankruptcy court or district court. Most provide statutory attorney fees. Philadelphia consumer lawyer Cary Flitter will help you to triage your cases on Sunday, October 9th, 10:00 A.M-11:00 A.M.


avatar for Cary Flitter

Cary Flitter

Cary L. Flitter practices consumer law with Flitter Milz, P.C. located in suburban Philadelphia and New Jersey. Cary serves on the adjunct faculty at Temple University Beasley School of Law in Philadelphia and Widener University School of Law in Wilmington, Delaware, where he teaches Consumer Law and Litigation including Fair Credit Reporting, Fair Debt Collection, and class action. He has guest lectured on consumer law issues at Harvard Law School, The University of Pennsylvania Law School, and other venues. Flitter is a contributing author to Pennsylvania Consumer Law by Bisel Publishing Co. This is the leading treatise in Pennsylvania on consumer law. He is also a contributor to Consumer Class Actions 5th Ed. by the National Consumer Law Center. Cary was invited by the Federal Trade Commission to participate in workshops on Collection of Consumer Debt.

Cary’s consumer cases in the Court of Appeals include Brown v. Card Service Center, 464 F.3d 450 (3d Cir. 2006) (seminal circuit case on deception under FDCPA); Rosenau v. Unifund, 539 F.3d 218 (3d Cir. 2008) (successful challenge to phony “legal department” in dunning letter); Cappuccio v. Prime Capital, 549 F.3d 180 (3d Cir. 2011) (first impression holding that borrower’s testimony alone may be sufficient to rebut presumption of receipt of TILA disclosures); Gager v. Dell Fin. Serv., LLC, 727 F.3d 265 (3d Cir. 2013) (holding, in first impression, that consent to receive cellphone calls is revocable under Telephone Consumer Protection Act) and Douglass v. Convergent Outsourcing, 765 F.3d 299 (3d Cir. 2014) (holding, in first impression, that placing the consumer’s account number on collection envelope violates privacy provisions of FDCPA) Cary is the recipient of multiple pro bono awards for his work on behalf of low-income consumers and serves as the 2016 Co-Chair of the Federal Courts committee of the Montgomery (County, Pa.) Bar Association.

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Bankruptcy News Briefs 9/22


Making Headlines Today…

FTC Returns $1.5M in Bank Account Debit Scam

New York County Forgives Public Health Debt

FTC Ruling Addresses Compliance with Fair Credit Reporting Act Furnisher Rule

Monthly Debt Collection Complaints Decline

CFPB Penalizes Two Largest Debt Buyers

A Debtor May Forfeit Right to a Chapter 7 Discharge By Refusing to Lower Standard Of Living

Federal Student Loan Debt Exceeds $1T; $103 Billion in Default

Collecting $200 Million from the Debt Collectors

BBB Warns About Debt Relief Company

Hillary Clinton’s Explanation for Controversial Bankruptcy Vote? Joe Biden

NACBA Events  Educate!

Mark Your Calendar for the 24th NACBA Annual Convention 

Building off of the success of #NACBACHI NACBA is hosting the 24th Annual Convention in San Francisco on May 19-22, 2016 at the Downtown Marriott Marquis! The 2016 Annual Convention is an experience you won’t want to miss!

Upcoming Webinar

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(LIVE) Wednesday, October 7, 2015 – 3:00pm EST, 12:00pm PST
$25 NACBA Members
$75 Non-Members

More and more often, bankruptcy cases seem to involve issues of family law.  Join Ian M. Falcone a Senior Attorney with more than 20 years of legal experience with The Falcone Law Firm, P.C. as he addresses:

  • The forms typically used in a divorce case.
  • Basic topics addressed in a divorce case and the impact on a bankruptcy filing.
  • The automatic stay and its exceptions as they apply to family law matters.
  • Dischargeability of common debts in a family law case.
  • The importance of choosing the right bankruptcy chapter.
  • How to determine whether a debt is for support or property division, and preference concerns after a divorce.

Read Ian’s blog at http://falconefirm.blogspot.com

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Member Perks


  • Want a recap of the 23rd  Annual Convention? Sign up for one of the Playback NACBA packages from the 2015 NACBA Convention in Chicago for access to session recordings.
  • Each NACBA member receives FREE, as part of his/her membership, access to Fastcase’sbankruptcy database. In addition, NACBA members are eligible to purchase Fastcase’s“Premium Plan,” which includes access to a database of opinions of the supreme courts and courts of appeal of all 50 states, at an annual rate of just $195. This is a significant discount from the non-member annual price of $995.
  • In the market for new opportunities? Visit the Career Center  today.

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