Banking and finance in the law can include creditor claims, bankruptcy, mortgage modification and foreclosure defense.

student loan relief

BEWARE: STUDENT LOAN RELIEF SCAMS RAMPANT

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There are 44 million Americans swimming in a collective pool of $1.4 trillion student debt at this time, and sadly, this just makes crooked and greedy types see a vulnerable population to exploit. If you or someone you care about is struggling to find student loan relief, especially if they are facing financial hardship or […]

The Risky Truth About File Sharing and Intellectual Property

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In 2013, Joel Tenenbaum was charged with illegally downloading and sharing copyrighted files.  He was accused by Sony BMG Music Entertainment, Warner Bros. Records, and UMG Recordings for violating U.S. copyright law.  The assessed damages were $675,000, but the judge reduced it down to $67,500.  The reduction was appealed, the $675,000 was reinstated, and Tenenbaum […]

iowa collective bargaining

What are Consumer Protection Laws?

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Consumer protection laws are federal and state statutes that regulate seller and lender practices concerning consumer goods. The Consumer Product Safety Commission (CPSC) and Federal Trade Commission (FTC) are federal agencies that handle product safety standards and consumer complaints, respectively. These laws typically go beyond the traditional legal remedies available for breach of warranty. These […]

utah estate planning

Need an Attorney for Tax Law?

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In the United States, tax laws are difficult to comprehend without a professional at your side. A number of lawyers are also CPAs, and other types of attorneys focus on tax litigation. Different regulations dictate when the government can tax citizens for personal income, real estate, business profits, gifts, estates and a variety of other […]

Can I Receive Social Security Disability?

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Social Security provides financial assistance for those with disabilities. People in these situations can apply for Social Security Disability (SSD) or Supplemental Security Income (SSI). Those who apply for and successfully receive Social Security may receive benefits to help them live as they are unable. However, these programs differ in a few important ways, and […]

What Can a Lawyer Do for My Small Business?

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Starting a small business can be a daunting but ultimately rewarding challenge. Small business owners face a number of complicated laws that a business lawyer can help them understand. Business lawyers train themselves to understand all the legal complexities that businesses of all sizes face. They can assist businesses with a number of legal issues […]

oklahoma estate planning

What Should I Know About Retirement Planning?

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Preparing for retirement can be a complex process, but fortunately lawyers can ensure that those considering retirement have legally sound, effective retirement plans. Attorneys who specialize in elder law, estate planning law or probate law may be able to assist clients with retirement preparations. These attorneys may be able to handle all the details concerning […]

foreclosure

How Do Zombie Foreclosures Have an Effect on Me?

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Zombie foreclosures involving vacant homes have become a plague to many local governments, which have to deal with cleaning up weeds, boarding windows and other upkeep on empty properties. Additionally, if you live in an area with a high amount of vacant homes, it can drag the property value of your home down. Some experts […]

Can banks sell annuities?

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The competition between banks and insurance companies is likely to heat up after the U. S. Supreme Court’s decision that national banks can sell annuities. Although more sophisticated than the basic savings accounts that used to dominate banking, today’s annuities are directed at the same investment needs of the customers. The National Bank Act provides […]

Can a savings & loan sue the United States for breach of contract?

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As an inducement for healthy savings and loans to take over ailing thrifts in “supervisory mergers,” federal regulators agreed to permit the healthy thrifts to apply an especially advantageous accounting method to their acquisitions during the savings and loan crisis of the 1980s. When Congress later passed legislation in response to the savings and loan […]

Can a savings & loan sue the United States for breach of contract?

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As an inducement for healthy savings and loans to take over ailing thrifts in “supervisory mergers,” federal regulators agreed to permit the healthy thrifts to apply an especially advantageous accounting method to their acquisitions during the savings and loan crisis of the 1980s. When Congress later passed legislation in response to the savings and loan […]

Can a collection agency by sued for “mass-produced debt collection”?

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A collection agency employed by a magazine subscription clearinghouse took a “mass production” approach to its task. Over a period of a few years it sent out millions of computer-generated collection notices. If a customer did not respond to the first notice with payment, he would receive another mass-produced dunning letter, but this time it […]

Are credit card late payment fees based on the laws of the state where you reside, or the state where the bank who issued it is located?

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As part of the National Bank Act legislated over 100 years ago, Congress gave nationally chartered banks the power to charge their loan customers interest at the rate allowed by the laws of the state in which the banks are located. When a California resident holding a credit card issued by a bank based in […]

Are all investments obtained through a bank insured?

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Today’s banks typically offer a diverse group of products, not all of which are insured by the Federal Deposit Insurance Corporation (FDIC). Bank customers should resist the tendency to assume that all investments obtained through a bank are insured. FDIC insurance covers the most familiar types of bank accounts–checking, savings, trust (except for trust accounts […]