New York Consumer Law Blog

Tuesday, May 5, 2020

"Lifelock’s Marketing Stunt Went Terribly, Laughably Wrong” by Sean Kernan


https://link.medium.com/zCLWzOure6

Our firm represents ID theft victims to address the credit report fallout.
Read more . . .


Thursday, April 23, 2020

Weekly Free Credit Reports Available


Free credit reports usually come once a year.  Hence the website name Read more . . .


Thursday, April 23, 2020

What Consumers Need to Know About New Credit Reporting Protections re: Mortgage Payments


CARES Act § 4021 provides less than minimal protections regarding credit reporting. From January 31, 2020 until 120 days after the end of the national state of emergency, if a creditor has made an accommodation (such as a forbearance or workout) for a consumer pursuant to the state of emergency, the creditor shall report that account with the same status as prior to the accommodation to a consumer reporting agency, i.e., if an account was current it shall continue to be reported as current, while a delinquent account shall continue be reported as delinquent. The exceptions are (1) the provision does not apply to charged-off accounts and (2) if the account was delinquent and the consumer manages to bring the account current during the period of accommodation, the account shall be reported as current.
Read more . . .


Friday, April 17, 2020

Dealing With Debt Collectors - The Video Series


Dealing with debt collectors?  Check out this video series from the National Association of Consumer Advocates.

https://www.youtube.
Read more . . .


Tuesday, April 7, 2020

How The Economic Machine Works


https://www.youtube.com/watch?v=PHe0bXAIuk0

"The important part of the economy is credit.
Read more . . .


Monday, April 6, 2020

Major Consumer Protections Announced in Response to COVID-19 *UPDATED WITH CARES ACT*


https://library.nclc.org/major-consumer-protections-announced-response-covid-19

This article, which will be updated as developments warrant, lists actions Congress, governors, federal and state agencies, and businesses are taking to protect consumers in light of the COVID-19 epidemic.
Read more . . .


Tuesday, March 31, 2020

Major Consumer Protections Announced in Response to COVID-19


Fair Credit Reporting


Wednesday, March 18, 2020

What Can You Do With Your Gym Membership If the State Shuts Down Facilities in COVID-19 Emergency Order?


I spoke with Newsweek yesterday about how the pandemic is affecting consumers with gym memberships.  We primarily help consumers with credit report errors. Unscrupulous gyms that continue to charge consumers -- even though the gym has been ordered closed -- may need to answer for their reporting inaccurate information to the credit bureaus. 


Here's one section from the article:


Attorney Adam Singer, whose firm advocates on behalf of consumers, said he believes "emphatically" that gyms should not be able to shut down and continue to charge consumers, though they may "probably try to do it anyway.
Read more . . .


Wednesday, March 18, 2020

Secret Service warns of scams, disinformation campaigns around spread of coronavirus


"There already is a high level of anxiety over the potential spread of coronavirus," FTC chairman Joe Simons said in a statement. "What we don't need in this situation are companies preying on consumers by promoting products with fraudulent prevention and treatment claims. These warnings are just the first step. We're prepared to take enforcement actions against companies that continue to market this type of scam."

Read more . . .


Friday, March 13, 2020

Credit repair firm settles with FTC


Your credit score affects whether you can get a loan — and how much you’ll have to pay to borrow money. People with low credit scores often have to pay more.
Read more . . .


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