Credit Management Company

AUGUST 29, 2019

School is back in session for the majority of kids, and this year the mission is to improve productivity and help prepare your kids to focus on themselves and get better grades. Getting back into a studious mindset after summer vacation can seem daunting, but there are steps people can take that help restore focus and improve energy. The following are five tips that students and families of all ages can use to make the most of the upcoming school year. 1.

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BN Lawyers

AUGUST 29, 2019

Introduction. Rule 9(b) of the Federal Rule of Civil Procedure imposes a heightened pleading standard in cases where the Plaintiff alleges fraud or mistake. Compared to Rule 8(a), which requires a “short and plain statement of the claim,” Rule 9(b) demands pleading the “circumstances” of fraud “with particularity.” In the Fifth Circuit, when the Rule 9(b) pleading standard applies, the complaint must contain factual allegations stating the “time, place, and contents of the fals

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Consumer Financial Services Law

AUGUST 27, 2019

By Caren D. Enloe A First Circuit Bankruptcy Appellate Panel (the “Panel”) recently held that a mortgage company’s communications did not violate the discharge injunction when viewed under an objective standard and considering the facts and circumstances surrounding the communications. Kirby v. 21st Mortg. Corp. , 599 B.R. 427 (2019). In Kirby, the consumers filed Chapter 7 while engaged in a state sponsored Foreclosure Diversion Program.

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Consumer Financial Services Law

AUGUST 26, 2019

By: Zachary K. Dunn A debt collection agency did not violate § 1692g(b)’s 30-day validation period by sending two letters demanding payment and offering settlement terms during that period, a district court in Illinois has ruled. In Moreno v. AFNI, Inc. , 2019 U.S. Dist. LEXIS 107654 (N.D. Ill June 27, 2019), Mr. Moreno’s past due account with DirectTV was placed with the defendant, AFNI, Inc., for collection.

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Speaker: Erika R. Bales, Esq.

When we talk about “compliance and security," most companies want to ensure that steps are being taken to protect what they value most – people, data, real or personal property, intellectual property, digital assets, or any other number of other things - and it’s more important than ever that safeguards are in place. Let’s step back and focus on the idea that no matter how complicated the compliance and security regime, it should be able to be distilled down to a checklist.