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BACK TO BASICS, Continued—So, is there really any difference among “cosigners,” “guarantors” and “co-makers”???

Australia, USA - January 23 2019 You bet there is! And, it is exceedingly important that you understand and respect the differences. The fundamental difference in the terms is…

CFPB New Year's Resolution: Crack Down on Debt Collection

USA - December 30 2015 We have advised previously that the CFPB has debt collectors under close scrutiny; and this scrutiny is directed at both third-party debt collectors…

Back to Basics, Continued—so what is the Total Sale Price disclosure anyway?

USA - November 21 2018 There is a fundamental difference between the Truth-in-Lending Act disclosure statement that is used for a direct loan, and that which is used in an…

BACK TO BASICS, Continued—Beware of the Intersection of the Gramm-Leach-Bliley Financial Privacy law and the Fair Credit Reporting Act.

USA - January 29 2019 For many, many years when a consumer finance company or credit seller wanted to find out more about an applicant, the CSR would pick up the phone and…

BACK TO BASICS, Continued—What are Implied Warranties and Who Cares Anyway?

USA - April 2 2019 In last week's blog, I discussed the differences between Service Contracts and Warranties under the Magnusun-Moss Warranty Act. You can review that…