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Imagine receiving 55,000 identical student loan emails, all which have incorrect information. Sounds ridiculous and fake, right? Wrong. That nightmare became an Ohio couple’s reality this past week regarding their daughter’s student loan payments. Consumers are protected under the Fair Debt Collection Practices Act, as well as in North Carolina,
Maginnis Howard continues working for clients against unscrupulous debt collection practices in direct violation of debt collection regulation both at the state and federal level. This time, we are proceeding with the investigation and filing of lawsuits against a common intimidation tactic of sending template letters from creditors to debtors when
Maginnis Howard investigates telemarketers who utilize automated phone-calls (robocalls) to solicit small business owners with a variety of marketing schemes, in clear violation of the Telephone Consumer Protection Act (TCPA). Robocallers are aware of TCPA laws regarding personal cell phones but sometimes think of business lines as fair game for
While companies often have a series of hoops for consumers to jump through, such as filing a police report, there are also issues where the “identity theft” is created by the corporation. More and more companies are withholding services from consumers based on obligations from family members, relatives, or people
Maginnis Howard attorneys are investigating a series of loan denials due to credit reporting agencies providing inaccurate information. Credit Technologies and MerdianLink are at the center of this investigation. Credit Technologies is a consumer reporting agency that combines credit reports from Equifax, Experian, and Trans Union for resale as a
Maginnis Howard has uncovered potential violations of state and federal consumer protection laws by mortgage servicing giant Seterus, Inc. Seterus is a nationwide company that represents Fannie Mae mortgages. Currently, our firm has pending class actions against Seterus in North Carolina, Michigan, New York, New Jersey, Kansas, and Missouri. Seterus
Installment loans are similar to payday loans, only with a longer time period to pay the massive interest rate associated with the loan; generally, it is a few months to a few years. Unfortunately, many players in this industry fail to follow relevant state and federal laws when dealing with
Often new applicants for a residential lease without a significant credit history, such as students and ex-students – as well as applicants for an apartment with a negative credit history require a guarantor or co-signer on the lease in order to get approval. Occasionally, the tenant defaults on their obligations
The Consumer Financial Protection Bureau estimates that 44 million American hold student loans totaling more than $1.4 trillion. Most of these loans are not private loans, but come from federal sources. A Brookings Institution study reveals there is more student loan debt than in credit cards and auto loans. While
Our firm has recently been investigating potential violations of consumer law by Conn’s Furniture Store and Conn’s Home Plus. The stores sell electronics, furniture, and other home goods, regularly through their own store credit application process. If a person falls behind on their payments, Conn’s may use an automatic telephone