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Product # 1 Release 2018 #2 SKU - 301

e-BOOK

e-BOOK
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ABUSIVE CREDIT REPORTING

Morgan D. King, Esq.
Nancy F. King

ABOUT THIS BOOK

325 pages - 170 case citations,  27 exhibits

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Consumers have begun to be aware of their legal claims against abusive credit reporting and abusive debt collection. What they want to know is, if something unfair or abusive happens to them, how can they get their rights enforced ... i.e., get them to do what they are supposed to do, or cease doing what they want them not to do.

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And what if the consumer was harmed financially ... can they get money damages?

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This book is a rewrite and updating of the original book by Nancy Finley and Morgan King, in 1998. It updates the consumers' rights sections, and adds material for lawyers.

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The book may be purchased in volume for substantial discounts.

ABOUT THE AUTHORS
Morgan D. King, Esq.
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  • In private practice since 1972 - 50+ years!

  • Author of King's Discharging Taxes in Consumer Bankruptcy Cases, Legal Guide to IRS Offers in Compromise, Legal Guide to IRS Collection Appeals, and more!

  • Author of seven books on consumer and bankruptcy law & practice, as well as

  • Chairman of City of Dublin Planning Commission - 8 years

  • Lead the successful campaign to preserve the West Dublin hills Greenbelt from development in 2000.

  • Helped write and lead the successful campaign to preserve natural habitat in East Dublin.

  • Recipient of NACBA's Distinguished Service Award, and NACBA'S Attorney of the Month award.

  • Recipient of NACBA's Distinguished Service Award.

  • Author of almost 40 articles for legal entities, including many major state attorneys' organizations, and spoken to more than 60 events connected with them.

  • Has hosted 18 3-day seminars for bankruptcy and tax attorneys.

 

Nancy Finley King

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  • Nancy graduated from San Francisco State University in 1985 with a degree in Marketing. 

  • Served as office manager, legal paralegal, and credit repair consultant in the Law Offices of Morgan King for 25 years.

  • Co-authored the book, How to Repair Your Credit.

  • Related to the Finley family that owned the Oakland A's baseball team from 1960 to 1981, and is the author of FinleyBall - How an Insurance Salesman and a High-School Principal Bought a Basement Dwelling Team and Turned into what Sports Illustrated called The Team of the Century.

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TABLE OF CONTENTS

CHAPTER TITLES

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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

 

SAMPLE OF IMPORTANT ISSUES ADDRESSED

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  • 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

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I. Summary of consumers' legal rights

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ii. The text and summary of key statute

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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

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  • Standing: injury in fact: Damages

  • Private cause of action v. regulatory enforcement

  • Venue

  • State v. Federal rights & Procedures

 

iv. Reported cases & court trends

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  • Federal cases

  • Bankruptcy cases

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v. Sample letters

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  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

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