| Volume 3 Number 2 |
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The People’s Lawyer’s Tip of the Day
Buying a house through what is called a "contract for deed" does not offer you as much legal protection as when you use a more traditional mortgage. A new law, however, gives you the right to convert a contract for deed into a mortgage at any time by requesting the seller convey the property into your name and take back a mortgage.
Nine Bankruptcy Costs You Should Know About
Talk about piling insult onto injury: The cost of declaring bankruptcy has increased. Most debtors expect to pay filing fees, and many know that they probably will be better off if they have a lawyer to help resolve their debt problems, despite the cost. But some additional fees aren't as obvious or as well-known and could become a major problem, inflating your list of overdue obligations. Click here for more.
Consumers File Class-Action Lawsuit Over New Proof-of-Citizenship Medicaid Requirement
A class-action lawsuit over a new law requiring Medicaid beneficiaries and applicants to provide proof of citizenship to receive benefits beginning July 1 alleges that the law is unconstitutional and should not be implemented. Click here for more.
Scam Alert: Caught in a Deathtrap
Thousands of victims every year buy phony life insurance policies allegedly belonging to terminally ill patients. Click here for more.
Your Money
What's it worth to reduce my spending? Click here for more.
For the Lawyers
Consumer is not entitled to a copy of his full credit files following a reinvestigation. The 11th Circuit considered whether the Fair Credit Reporting Act requires a consumer reporting agency to provide a consumer with his complete file following a reinvestigation of disputed items of his credit history. The court held that the plain language of the Act does not require the disclosure of the complete file of the consumer. The "consumer report" referenced in section 1681i(a)(6)(B)(ii) is not the "consumer's file" because that section states that the required "consumer report" is "based upon the consumer's file." Click here for more.