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BACK TO BASICS, ContinuedFraud Alerts and Security Freezes, Part 2A
  • Sirote & Permutt PC
  • USA
  • February 20 2019

Last week I reviewed the general differences between fraud alerts and credit or security freezes. That blog is available by clicking here. Both of


Congress giveth and the Tax Court taketh away: partnership's deduction for conserving over 1,000 acres denied due to “floating” homesites
  • Sirote & Permutt PC
  • USA
  • February 14 2019

On December 27, 2018, the Tax Court issued a 116-page opinion in Pine Mountain Preserve, LLP v. Commissioner ("Pine Mountain") determining the


BACK TO BASICS, ContinuedFraud Alerts and Security Freezes, Part 1
  • Sirote & Permutt PC
  • USA
  • February 13 2019

One thing that consumer finance companies and credit sellers share in common with their customers is the desire and business necessity to protect


Traditional Installment Lenders Should Continue To Be Concerned About The Newly Released CFPB Payday Loan Rule
  • Sirote & Permutt PC
  • USA
  • February 7 2019

On Wednesday, February 6, 2019, the Consumer Financial Protection Bureau released its updated Payday Lending RulePayday, Vehicle Tile, And Certain


BACK TO BASICS, ContinuedI thought we had to freeze collection efforts on an account under the Servicemembers Civil Relief Act!?!
  • Sirote & Permutt PC
  • USA
  • February 6 2019

Generally speaking, you do not. But, let me set parameters surrounding this answer: The account is the result of an installment sale or loan secured


BACK TO BASICS, ContinuedBeware of the Intersection of the Gramm-Leach-Bliley Financial Privacy law and the Fair Credit Reporting Act.
  • Sirote & Permutt PC
  • 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


5th DCA Agrees that Lenders are able to Recover Entire Amount Due Despite Initial Default Occurring Outside of the Statute of Limitations
  • Sirote & Permutt PC
  • USA
  • January 24 2019

Last year, we reported that Florida's Third District Court of Appeal and Fourth District Court of Appeal had each held that lenders could recover the


BACK TO BASICS, ContinuedSo, is there really any difference among “cosigners,” “guarantors” and “co-makers”???
  • Sirote & Permutt PC
  • USA, Australia
  • 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


Back to Basics, Continuedwhy are we concerned about home solicitation sales???
  • Sirote & Permutt PC
  • USA
  • January 16 2019

Well, you do not have to be concerned about home solicitation sales unless you are a seller or a finance company that purchases installment sales


Back to Basics, ContinuedECOA Notification and Turn-Down Notices
  • Sirote & Permutt PC
  • USA
  • January 9 2019

Last year, we wrote briefly about the basic obligations under the Equal Credit Opportunity Act (“ECOA”). See that blog by clicking here: In that blog