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Consumer Law Rights Taking Effect In 2022

In 2022 significant new federal and state consumer law rights will be effective, and other rights are set to expire or have been extended. This article sets out, as of January 1, 2022, the effective dates for all of these changes, including changes effective from November 30, 2021 through January 1, 2023.

Defenses to Collection of Rental Debt

This article provides tenant tactics to deal with rental debt: responding to negative tenant screening reports that prevent access to new housing; challenging the rental amount claimed as due; other defenses to rental debt collection lawsuits and eight ways for the tenant to recover attorney fees in that litigation; tenant rights after a court judgment for the landlord; and tenants’ affirmative litigation for the collector’s litigation abuse.

New Student Loan Discharges, Restitution, and Payment Pause Extension

This article explains the implications two new student loan developments. A Navient settlement discharges on average $25,000 of debt for 66,000 private student loan borrowers and provides $260 restitution to 365,000 federal Direct Loan borrowers. The Department of Education has extended its suspension of federal student loan payments until May 1, 2022, with the balance accruing at zero percent interest.

New 10th Edition of Fair Debt Collection—Totally Rewritten with New Reg. F

The just-released digital 10th Edition of Fair Debt Collection, is the definitive Fair Debt Collection Practices Act treatise, now completely reorganized, rewritten, and updated, with analysis of CFPB Regulation F and also the “FDCPA Case Connector” allowing instant access to 15,000 case summaries. Four other chapters examine tort, state and federal statutory, and bankruptcy claims for collection abuse. Read chapter one here.

The FDCPA Year in Review: 2021

This article reviews a very active 2021 concerning the Fair Debt Collection Practices Act (FDCPA): significant new FDCPA regulations took effect, a Supreme Court decision significantly impacts standing in FDCPA cases, and 21 appellate court panels issued important FDCPA published decisions.

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