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The federal Fair Debt Collection Practices Act’s five-day debt validation notice requirement applies not only to the first debt collector attempting to collect a given debt, but also to each later debt collector attempting to collect that same debt.  Read More

A homeowners’ association was properly ordered to pay compensatory damages to the bankrupt for knowingly violating the bankruptcy discharge injunction by suing to quiet title, following non-judicial foreclosure of its lien on the bankrupt’s condo, based in part on pre-bankruptcy unpaid HOA dues.  Read More

Federal Debt Collection Practices Act’s one-year statute of limitations began to run when debtor discovered (or reasonably should have discovered) that a collections suit was filed against her—not when the suit was actually filed.  Read More

Leave to amend to state a UCL claim was properly denied in a mass action by defaulted home loan borrowers as the proposed amendment showed plaintiffs were improperly joined but alleged no facts to support the conclusion they were overcharged.  Read More

A borrower who alleges defects in the transfer of her mortgage loan which render it void, can sufficiently establish the prejudice element of her wrongful foreclosure claim simply by alleging that the foreclosure was carried out by a party having no right to do so.  Read More

The Federal Fair Debt Collection Practices Act does not ban as false or misleading conduct collection letters sent by special counsel employed by the Attorney General to collect debts owed the state, using Attorney General stationery at the Attorney General’s direction.  Read More

Today the Supreme Court issued its long-awaited opinion in Spokeo, Inc. v. Robins, -- S.Ct. --, No. 13-1339, 2016 WL 2842447, at *6 (U.S. May 16, 2016).  In a victory for defendant Spokeo, the Supreme Court reversed the Ninth Circuit Court of Appeals, on grounds that the lower court—in finding Robins had Article III standing to sue—had erroneously focused only… Read More

Borrower’s pre-foreclosure securitization suit was properly dismissed because judicially noticeable documents show that the challenged loan transfer was valid, not void as the borrower alleged.  Read More

A loan servicer, and its principal, the loan’s owner, can be held liable to a borrower for negligence  in handling the borrower's loan modification application; however, the borrower has no breach of contract claim for the loan servicer’s failure to offer a permanent loan modification after performance of a non-HAMP trial period plan.  Read More

Though Cordray’s initial recess appointment to head the CFPB was invalid, his later regular appointment was proper and his later ratification of acts taken during the recess appointment period is sufficient to validate acts the CFPB took during that period.  Read More

An unaccepted Rule 68 offer of judgment for individual injunctive relief and the full amount of statutory damages for the named plaintiff does not moot out a putative class action even when backed by a deposit in court of the statutory damages.  Read More

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