New Prop 65 Label Requirement Effective January 3, 2021

PROPOSITION 65 Approved in 1986, California Proposition 65 (“Prop 65”) requires the Governor to publish a list  of chemicals known to cause cancer or reproductive harm. The list is revised and republished in light of additional knowledge at least once per year. The list of chemicals can be found here: https://oehha.ca.gov/proposition-65/proposition-65-list.  Businesses subject to Prop …

Foreclosure Changes In The California Homeowner Bill of Rights (“HBOR”)

On January 1, 2018, certain provisions of the HBOR expired. However, the expiration date did not apply to all of the HBOR’s provisions and many provisions have been replaced by new regulations. We’ve prepared the below summary of some of the substantial changes to the law and how they will affect HBOR litigation in the …

What Remedies or Relief Are Available Under The Fair Credit Reporting Act (“FCRA”)?

You followed our FCRA blog posts and understand how accurate credit reporting is important for your financial future.  You sensed that something was wrong with your credit report and you have identified inaccuracies.  You followed our instructions and used our Sample Dispute Letter to dispute the false report. Finally, the false credit reporter has responded.  But …

“How Do I Check My Credit Report?”

More and more, we are approached by clients interested in pursuing a case under the Fair Credit Reporting Act (“FCRA”).  Often, they know their credit score should be higher than it is, but they have not yet reviewed a detailed credit report. You are entitled to a free credit report every year, which you can …

Protect Your Credit With The Fair Credit Reporting Act

HOW DO I CHECK MY CREDIT REPORT? If your credit report contains errors, inaccuracies or incorrect information it can have a significant negative impact on your credit rating and you need to take immediate action. To protect your rights, you need to thoroughly review your credit report to ensure all the information is current and …

Supreme Court Justice Neil Gorsuch Issues First Opinion on Debt Collection

“Disruptive dinnertime calls, downright deceit, and more besides drew Congress’s eye to the debt collection industry.”  That is how the most recently appointed United States Supreme Court Justice Neil Gorsuch started his first opinion on behalf of the unanimous Supreme Court. The full opinion can be found here https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf. The case at hand looked at …

The Justice Department Will Stop Setting Aside Settlement Funds for “Special-Interest” Groups

A new article by the Los Angeles Times discusses that, under President Trump appointee Jeff Sessions, the Justice Department will no longer set aside money from fraud settlements with corporate wrongdoers (such as Bank of America and Citigroup) to give to community groups and nonprofits. It had previously been commonplace under the Obama administration to apportion …

Credit – Part 3: Remedies Available For Violations of The Fair Credit Reporting Act

This is Part 3 of 3 on our series regarding credit disputes and related claims.  In Part 1, we shared an overview of credit and how it impacts our financial lives.  In Part 2, we explained how to dispute inaccuracies to the credit bureaus and reporting entities.  Today in Part 3, we discuss the remedies …

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