Debt Collection Answers

MAY 18, 2023

2014: Capio Partners acquired Healthcare Financial Services, a medical debt collection agency based in New York. Capio Partners Reviews Capio Partners has received numerous customer complaints despite being operational for 12 years. This acquisition helped Capio Partners expand its operations into the Southeastern United States.

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Collection Agencies Collections Agency Healthcare Retrieval 52

ABI

JANUARY 25, 2024

3] In 2014, Carnival Corporation (“Carnival”) hired DeCurtis Holdings LLC and DeCurtis LLC (collectively, “DeCurtis” or “Debtors”) to develop a new software architecture, eventually called the “Ocean Platform,” for Carnival’s cruise lines. [4] 9] See In re DeCurtis Holdings, 2023 WL 5153645, at *12. [10] 12] See id. [13]

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Debtor Bankruptcy Judgment Trade 40

Hudson Weir

AUGUST 28, 2023

CRAR features in the Tribunals, Courts and Enforcement Act 2007 and came into force in 2014, replacing previous more complicated distress laws. It stipulates that: “A landlord under a lease of commercial premises may use the procedure in Schedule 12 (taking control of goods) to recover from the tenant rent payable under the lease.”

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Jimerson Firm

JANUARY 31, 2023

2014), aff’d sub nom., 12-CV-24550, 2014 WL 12514911, at *3 (S.D. 12-CV-24550, 2014 WL 12514911, at *3 (S.D. 8:12-CV-235-T-33MAP, 2013 WL 3270410, at *1 (M.D. Blue Martini Kendall, LLC v. Miami Dade Cty. 3d 1343 (11th Cir. City of Miami Beach , No. City of Miami Beach , No. Nationwide Mut. Kaloust Fin.,

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Government 52

Consumer Financial Services Law

OCTOBER 25, 2016

The foreclosure sale in this matter was originally scheduled to occur January 29, 2014. On January 8, 2014, the borrowers submitted a loss mitigation application to the servicer which included detailed information about their income and expenses as well as copies of their recent pay stubs, tax returns and other financial information.

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Foreclosure Loans 40

Price Meese

JANUARY 19, 2021

It provides an overview of two more recent FCC Orders that clarify the law regarding the 2014 Order and Section 6409(a) of the 2012 Middle Class Tax Relief and Job Creation Act. Purcell | January 07, 2021 at 12:00 PM. This is the second article in a two-part discussion of recent actions by the Federal Communications Commission.

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Government Construction 59

Burr Forman

JUNE 2, 2021

For more than five years (from 2009 to 2014), Bobby Edwards, the white manager of J&J Cafeteria in Conway, South Carolina, effectively enslaved a black worker (referred to with the fictitious name “Jack”), forcing him to work more than 100 hours per week without pay. He has an intellectual disability and an IQ of 70. Court Rulings.

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ABI

JANUARY 19, 2024

6] In March 2014, Bruce then moved to reopen her Chapter 7 case. 12] The Second Circuit answered in the negative. Citi, as a result, notified credit reporting agencies that Bruce had a balance due “which Citi ‘charged off’–that is, adjusted from a receivable to a loss in the bank’s internal accounting books.” [3] Citigroup Inc.,

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Collection Industry News

JANUARY 12, 2023

Meanwhile, personal loan originations are expected to return to pre-pandemic levels in 2023, after experiencing record growth in the last 12 months. In the third quarter of last year, those delinquencies increased 54% year-over-year to reach the highest default rate since 2014, according to TransUnion. “We

Credit Card Debt 40

Credit Card Debt Personal loans Credit Bureau Loans 40

Troutman Sanders

FEBRUARY 5, 2022

Court of Appeals, Fifth Circuit, counsel for All American Check Cashing and the CFPB argued broader contours of the agency’s structural issues: Whether the agency director defects (as identified in Seila ) and/or the agency’s financial independence are constitutional defects that compel dismissal of the agency’s 2014 civil investigative demand.

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ABI

JANUARY 22, 2023

5] On July 23, 2014, Jonathan Mover (“Mover”) initially loaned $150,000 to Jaurigui and Swing House. [6] 12] In re Swing House Rehearsal and Recording, Inc., 1] However, certain debts are not dischargeable. [2] 2] In particular, a debt obtained by false representation or false written statements cannot be discharged. [3]

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ABI

JANUARY 12, 2020

12] Here, the Court of Appeals highlighted the unfairness of the settlement agreement as it placed “Appellants in a vise,” by allowing the Receiver to sue Appellants but preventing Appellants from filing any claim against the Underwriters, which would have been unfair. [13] 3:09-CV-0724-N, 2014 WL 12654910 (N.D. 12] See id. [13]

Banks 40

Banks Bankruptcy Debtor Judgment 40

Credit Corp

MARCH 20, 2023

Since 2014, credit card fraud outside the United States has increased by roughly 87%. in billions) 2014 $7.2 Age group Reports of identity theft in 2021 Percentage change 19 and under 22,833 -3.5% Year Losses inside the U.S. (in in billions) Losses outside the U.S. (in 2016 $9 $13.8 2017 $8.9 $15 15 2018 $9.4 2019 $9.6 $19 19 2020 $10.

Trade 98

Trade Government Banks Loans 98

ABI

JANUARY 13, 2022

5]. In 2014, the Bureau commenced an action against Consumer First alleging that “while providing mortgage-assistance relief services to more than 6,000 customers across 39 states, Consumer First violated Regulation O,” and was not otherwise exempt because the firm did not provide assistance as a part of practicing law. [6]

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ABI

JANUARY 12, 2022

and still afford to make payments.’” [12] The court considers factors including, but not limited to, the debtor’s age, education, income, and amount of monthly payment. [13]. 11] This test seeks to determine whether the debtor can “‘now and in the foreseeable future maintain a reasonable, minimal standard of living. 523(a)(8)). [9]

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Student loans Student Loans Debtor Loans 40

Collection Industry News

DECEMBER 28, 2020

The lengthy consent decree covers loss mitigation conduct from 2014 through 2018, years in the past. 12 C.F.R. §§ 1024.41(b)(2)(i)(B), 12 C.F.R. §§ 1024.41(b)(2)(i)(B), implement procedures to ensure that before a foreclosure action is taken it is permitted under Regulation X, 12 C.F.R. b)(2)(i)(B). b)(2)(ii).

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Burr Forman

JANUARY 29, 2021

12-6238 (PGH) (LHG), 2014 WL 647970 (D.N.J. Judge Sheridan in the District of New Jersey made a similar finding in Grossman v. Barclays Bank Delaware , No. ” Id. In Hernandez v. Transunion, LLC , the same plaintiff’s attorney from Macik brought a similar claim in the Northern District of Florida.

Judgment 52

Judgment Loans Credit Card Debt Banks 52

PBWT

MARCH 23, 2021

4] Brief for the United States as Amicus Curiae , No 20-8 (March 12, 2021) (“ SG Brief ”). [5] 3] The creditors filed a petition for certiorari with the Supreme Court, and extensive briefing by the parties and several amici ensued. Fraudulent Conveyance Litigation , 946 F.3d 3d 66 (2d Cir. 2019), petition for cert. filed , No.

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Creditors Bankruptcy Debtor 65

Collection Industry News

AUGUST 23, 2022

12 US Code § 5536(a)(1)(B). 12 USC § 5531. Footnotes. The GLBA also includes privacy protections that require financial institutions to provide customers with initial and annual privacy notices, and limit the circumstances under which a financial institution may disclose nonpublic personal information about a customer or consumer.

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Financial Institution Trade Collections Financial services 40

Consumer Financial Services Law

OCTOBER 9, 2019

12, 2019), the defendant debt collector sent a collection letter to the consumer in an envelope which, on its face, displayed a QR code. By Anna Claire Turpin and Caren Enloe The Third Circuit recently doubled-down on its decision in Douglass v. Convergent Outsourcing , 765 F.3d 3d 299 (3 rd Cir. In DiNaples v. MRS BPO, LLC , 934 F.3d

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Retrieval Debt collector Collection Agencies Collections Agency 40

Jimerson Firm

AUGUST 11, 2021

6:13-CV-1061-ORL-36, 2013 WL 6571558, at *12 (M.D. 2014) (finding a legitimate business interest in customer goodwill because plaintiff “spent a significant amount of time and money for the promotion and goodwill associated with [the business].”); Ansaarie , 252 So. Scopetto , No. Brenoby Sports, Inc. , 3d 1206, 1223 (S.D.

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Trade 98

ABI

JANUARY 13, 2021

12] Instead, a court will generally examine the facts to determine whether the debtor is trying to unreasonably deter and harass creditors or if he is attempting to effect a speedy, efficient recovery on a feasible basis. [13] 12] See 11 U.S.C. 10] A bad faith filing of a bankruptcy petition is cause for dismissal. [11] 3d at 828). [14]

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Bankruptcy Debtor Creditors 40

Burr Forman

SEPTEMBER 28, 2020

2459 (2014). See “ If Your Retirement Plan Holds Employer Securities, Keep an Eye on the Jander Case.” In that blog, I reviewed the “Moench presumption” and the Supreme Court’s rejection of the “Moench presumption” in Fifth Third Bancorp v. Dudenhoeffer , 134 S.C.

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Trade 40

ABI

JANUARY 20, 2020

12] On September 27, 2018, Bridgeview sold the Artesian Property to a third party. Several attempts were later made by Bridgeview’s counsel to contact Parkland in order to facilitate the sale of the Artesian Property. [8] 8] However, between June 25 and July 31 of 2018, Parkland’s communication was sparse. [9] Ill July 16, 2019). [2]

Debtor 40

Debtor Foreclosure Bankruptcy Legal Rights 40

Consumer Financial Services Law

FEBRUARY 7, 2017

12 CFR 1024.31. Specifically, the documentation necessary to complete a loss mitigation application should be tailored to the consumer’s specific application and not include a generic list which may or may not take into account documentation already provided. · The Wrong Way.

Loans 40

Loans Foreclosure 40

Jimerson Firm

JANUARY 27, 2023

On August 7, 2014, the NCAA adopted a new legislative process for the Power Five, that allows those five conferences collectively to adopt legislation in specific areas, which include limits on grants-in-aid.

Legal Rights 52

Legal Rights Education Collections Trade 52

Collection Industry News

JUNE 28, 2022

On July 12, 2021, Governor Ned Lamont signed into law Public Act 21-161 (the “2021 Act” or “Amendment”), which amended Connecticut’s homestead exemption by repealing the prior version of the statute, renumbering its provisions, and increasing the homestead exemption from $75,000 to $250,000, effective October 1, 2021. 3d 102, 107 (2d Cir.

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Bankruptcy Judgment Creditors Collections 40

Collection Industry News

JULY 12, 2022

Bureau, CFPB Bulletin 2013-12, Implementation Guidance for Certain Mortgage Servicing Rules 6-7 (2013). Under the FDCPA, if a communication “conveys information about a debt and its aim is at least in part to induce the debtor to pay,” it has the necessary nexus to debt collection. McCalla Raymer, LLC , 755 F.3d 3d 1299, 1302 (11th Cir.

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Debtor Foreclosure Debt collector Loans 40

National Service Bureau

OCTOBER 13, 2015

Of the 29,000+ complaints made by service members to the Consumer Financial Protection Bureau between July 2011 and December 2014, almost 40% were related to debt collection and collection agencies. What complaints about debt collection were made to the CFPB? Here is a snapshot to see what else made the cut.as

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Collections Debt collector Financial Institution Credit Card Debt 40

Jimerson Firm

DECEMBER 15, 2022

2014) (holding “[I]n derivative actions, there exists no conflict of interest between a corporation and individual director defendants at the motion to dismiss stage , therefore a law firm may represent all defendants without impropriety.”) (emphasis added); Voss v. 14-CV-01581-LHK, 2015 WL 349444, at *12 (N.D. 3d 418, 421 (D.

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Lawyers Law Firms Construction Government 52

Burr Forman

NOVEMBER 16, 2021

Under the Affordable Care Act, states and participating hospitals have been facing DSH cuts since FFY 2014, but Congress has delayed implementation of the cuts several times (presently through FFY 2024). If adopted, the BBB could result in a reduction of around $7.8 billion in federal funds in the DSH program alone over 10 years.

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Healthcare Government 59

Credit Corp

JUNE 23, 2021

It encompasses the Great Recession of 2008-2009, the oil industry downturn of 2014-2016, and the coronavirus pandemic of 2020. In addition, EPD ended 2020 with a leverage ratio (defined as net debt divided by 12-month adjusted EBITDA) of 3.5x, again much better than many other MLPs. It’s a notable streak. And, it came to $1.11

Construction 59

Construction Consolidate Debt 59

Troutman Sanders

OCTOBER 31, 2022

Between 2014 and 2017, FinCEN alleged Helix conducted over 1,225,000 mixing transactions, and Harmon received commissions totaling approximately 356,000 bitcoins. In 2021, Harmon pled guilty to DOJ’s charges, and as part of his plea, he must forfeit more than 4,400 bitcoin valued at more than $200 million at the time.

Financial services 52

Financial services Student loans Student Loans Loans 52

FDCPA Defense

FEBRUARY 1, 2018

2014 WL 2014 WL 7785745, at *6 (C.D. 18, 2014) (applying Slenk ; fact issue of whether homeowner assessments qualified as “debts” when “evidence relating to plaintiff’s intent” was “not completely clear” because record did not show if plaintiff resided in, or rented, condo during entire seven years she owned it). ALS Lien Servs.,

Accrued Interest 40

Accrued Interest Foreclosure Debt collector Debtor 40

FDCPA Defense

FEBRUARY 3, 2019

Ayesh, 2014 WL 2603890 (D. Kansas 2014) (HOA fines not debts under FDCPA); Mlnarik v. Smith, Gardner, Slusky, Lazer, Pohren & Rodgers, LLP , 2014 WL 6657747 (N.D. 28, 2014) (fines imposed by HOA did not arise out of “consensual transactions or business dealings, but a unilateral penalty”). See, e.g., Berg v.

Foreclosure 40

Foreclosure Debt collector Law Firms Debtor 40

Credit Corp

AUGUST 6, 2021

Building the best business with thousands of taxis, Uber launched Uber Eats in 2014. The first thing for aspiring businesspeople is to set a goal to motivate themselves for the grueling 12-hour delivery. As the impact of the pandemic on the market decreases, such dynamics may change significantly.

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Startups Construction Trade Banks 98

FDCPA Defense

JANUARY 22, 2017

JQD, LLC , 2014 WL 3404945 (N.D. July 11, 2014) (denying motion to dismiss FDCPA class action complaint; defendant sent letters to class seeking to collect late fees and threatening foreclosure allegedly in violation of California law); McCarter v. Weinstein, Pinson & Riley, P.S., _F.3d_, 3d_, 2016 WL 4651403 (7th Cir. Collins Fin.

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