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Month: May 2013

Posted on May 30, 2013 in
We are constantly seeing and hearing more reports, recommendations and other “news” from the Consumer Financial Protection Bureau or the CFPB.  This blog will briefly summarize when the CFPB was created, why it was created and the major goals of the agency.   The CFPB first began operating in 2011 pursuant to its authority under...
Posted on May 24, 2013 in
The Family and Medical Leave Act or “FMLA” provides leave for workers whose personal or medical circumstances require that they take time off work. Congress intended “to balance the demands of the workplace with the needs of families” by requiring employers to let employees “take reasonable leave for medical reasons, for the birth or adoption of a...
Posted on May 23, 2013 in
“Pay day” loan companies are common-place in today’s society, especially in the Las Vegas Valley.  If you are reading this, I bet you see at least a handful of these high-interest, short-term lenders to and from your commute to work.  While virtually everyone would avoid using these services if possible, desperate times call for desperate...
Posted on May 22, 2013 in
We previously discussed the general time-frame for a personal injury case in the Non-Binding Arbitration Program.  This program is designed for cases having a value of less than $50,000, so if your case is worth more than $50,000 then your case will stay at the District Court level.  A case at the District Court level...
Posted on May 17, 2013 in
Today, the Federal Trade Commission (FTC) provided testimony before the United States Senate Subcommittee on Consumer Protection, Product Safety and Insurance regarding the accuracy and completeness of consumer credit reports.  The FTC summarized its recent study on the accuracy and completeness of consumer credit reports.  The study entailed participation from consumers, lenders, data furnishers, FICO...
Posted on May 15, 2013 in
The Nevada Foreclosure Mediation Program is designed to bring homeowners together with the bank to ensure that homeowners have an opportunity to sit face to face with the bank to try and work out an agreement.  Initially, the program was only designed for loan modifications.  However, the rules were revised beginning January 1, 2013; they...
Posted on May 8, 2013 in
Q:           How often should I check my credit report? A:   You should check your credit report at least once a year.  Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your credit report each year from each of the 3 main credit reporting bureaus (Trans Union, Equifax and...
Posted on May 3, 2013 in
Section 15(a)(3) of the FLSA states that it is a violation for any person to “discharge or in any other manner discriminate against any employee because such employee has filed any complaint or instituted or caused to be instituted any proceeding under or related to this Act, or has testified or is about to testify in any such...
Posted on May 1, 2013 in
Have you ever received a call to your cell phone from an unknown number and answered the call only to find a machine on the line trying to sell you something, or worse, collect a debt? Those calls are not only annoying, but they’re also a violation of federal law. The Telephone Consumer Practice Act...
Posted on May 1, 2013 in
The real estate market is currently a hot topic among Nevadans.  Speculation abounds regarding the stability of the market, the number of “underwater” homes and whether the market can sustain the recent upward trends in home values.  While foreclosures in Nevada had been steadily decreasing, they are again on the rise.  Nevada had the second...