# 21 SKU 107-A Release 2019

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  • Abusive Debt Collection $ 99.95

  • Abusive Credit Reporting $ 99.95

  • Discharging Student Loans $ 99.95

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ON DVD OR THUMB DRIVE

KING'S CONSUMERS' RIGHTS LIBRARY

3 DESKBOOKS - LAW & PRACTICE ON DVD OR THUMB DRIVE
OUTLINE - ABUSIVE DEBT COLLECTION

INTRODUCTION:           

Current state of affairs shows that student loan debt is a ticking time bomb.

Student Loans: A Debt Problem that Won't Go Away after BAPCPA

A.  CONSIDERATIONS IN TAKING ON STUDENT LOAN ISSUES.

1.  Federal v. Private Loans, State Loans;

 Separating the herd

2.  The Players:  Lender, Servicer and

 Guarantor

3.  Analysis in light of Client's Goals

4.  Are the Loans in Default? 

B.  FDCPA

Federal Loans 

Private Student Loans: 

C.  BANKRUPTCY OPTIONS

D.  NATURE OF STUDENT LOAN DEBTS AND BANKRUPTCY ADMINISTRATION

E.  ADVERSARY PROCEEDINGS

F.  UNEMPLOYMENT AND LOW INCOME IMMEDIATELY PRECEDING

G.  CHAPTER 13 CONSIDERATIONS

H.  RESOURCES AND WEBSITES

OUTLINE - ABUSIVE CREDIT REPORTING

 

Chapter 1 50 Shades of Credit

Chapter 2 The Credit System

Chapter 3 Fixing Your Credit Report

Chapter 4 Suing the Credit Report Company

Chapter 5 Abusive Debt Collection

Chapter 6 Getting Even: File Bankruptcy

Chapter 7 Credit discrimination

Chapter 8 Credit fraud & Theft

Chapter 9 Rebuilding Your Credit Score

Chapter 10 Legal issues & procedures

Chapter 11. Appendix

 

SAMPLES OF ISSUES ADDRESSED

  • How the credit system works

  • Myths about credit

  • About credit reports

  • About credit reporting bureaus

  • Credit information providers

  • Fair Credit Reporting

  • Frequent violations

  • Demanding removal or correction

  • Obtaining the credit report

  • Steps to new building new credit

  • Suing the credit bureau

  • Fair Debt Collection Practices

  • Suing the bill collector

  • Positioning a case for law suit

  • Pros and Cons of Filing Bankruptcy

 

APPENDIX

I. Summary of consumers' legal rights

ii. The text and summary of key statute

Federal Trade Commission FTC

 

  • Federal Trade Commission Act 15 U.S.C. §§ 41-58TILA 15 U.S.C. §§ 1601-1667f

  • Fair Debt Collections Practices Act 15 U.S.C. §§ 1692-1692p

  • BAPCPA 15 U.S.C. §§1637-1638,1664 and 1665b

  • Credit Card Accountability Responsibility & Disclosure Act of 2009 15 U.S.C. §§ 1601-1667f, 1681 et seq. and 1693 et seq.

  • Fair Credit Reporting Act 15 U.S.C. §§ 1681-1681x Fair Credit Billing Act 15 U.S.C. 1666-1666j

  • Fair & Accurate Credit Transactions Act 15 U.S.C. §§ 1681-1681x

  • Equal Credit Opportunity Act 15 U.S.C. §§ 1691-1691f

  • Credit Repair Organizations Act 15 U.S.C. §§ 1679-1679j

  • Fair Credit & Charge Card Disclosure Act 15 U.S.C. §§ 1610-1646, primarily 15 U.S.C. § 1637

 

iii. Lawyers' issues

  • Standing: injury in fact: Damages

  • Private cause of action v. regulatory enforcement

  • Venue

  • State v. Federal rights & Procedures

 

iv. Reported cases & court trends

  • Federal cases

  • Bankruptcy cases

v. Sample letters

  1. Letter requesting credit report - will pay charges

  2. Letter requesting credit report after credit denied

  3. Letter demanding investigation of credit item

  4. Letter demanding investigation of credit item

  5. Letter demanding correction of credit item

  6. Letter demanding expired item be deleted

  7. Letter demanding correction after bankruptcy

  8. Letter demanding re-investigation

  9. Letter demanding sources of credit information

  10. Letter, second demand for re-investigation

  11. Letter adding a consumer statement

  12. Letter requesting bureau add good credit item

  13. Letter demanding stop harassment

  14. Letter negotiating with creditor

  15. Letter appealing denial of credit application

  16. Sample credit report

  17. Explanation of credit system (Experian)

  18. Letter from creditor denying credit

  19. Response from credit bureau (Trans Union)

  20. Letter showing credit item has been deleted

  21. Letter from bureau about repair services

  22. Short form letter requesting investigation

OUTLINE - DISCHARGING STUDENT LOANS

INTRODUCTION:           

Current state of affairs shows that student loan debt is a ticking time bomb.

Student Loans: A Debt Problem that Won't Go Away after BAPCPA

A.  CONSIDERATIONS TAKING ON STUDENT LOAN ISSUES.

1.  Federal v. Private Loans, State Loans;

 Separating the herd

2.  The Players:  Lender, Servicer and

 Guarantor

3.  Analysis in light of Client's Goals

4.  Are the Loans in Default? 

B.  FDCPA

Federal Loans 

Private Student Loans: 

C.  BANKRUPTCY OPTIONS

D.  NATURE OF STUDENT LOAN DEBTS AND BANKRUPTCY ADMINISTRATION

E.  ADVERSARY PROCEEDINGS

F.  UNEMPLOYMENT AND LOW INCOME IMMEDIATELY PRECEDING

G.  CHAPTER 13 CONSIDERATIONS

H.  RESOURCES AND WEBSITES

© MORGAN D. KING 2016-18 Technical web advisor Douglas Morrison

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