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Month: September 2013

Posted on September 27, 2013 in
In Nevada, lenders have two options for foreclosure. They can file a non-judicial foreclosure by filing a Notice of Default with the county recorder and posting the notice on your door, or they can file a lawsuit to foreclose which is called a judicial foreclosure.  It is important to understand the difference between the two...
Posted on September 24, 2013 in
As mentioned before, one fundamental intent of the Fair Labor Standard’s Act (“FLSA”) is to ensure that employees are paid for the hours that they work, whether they are regular wages or overtime wages.  Employers will often have a company-wide policy for how and when its employees must clock-in and clock-out for each shift. Such...
Posted on September 19, 2013 in
The Fair Credit Reporting Act (“FCRA”) provides consumers the right to an accurate and up to date credit report.  If a consumer finds inaccurate, or out-dated, information in their credit report they have the right to “dispute” that information with the credit reporting agencies.  Upon receiving a dispute letter from a consumer, credit reporting agencies...
Posted on September 18, 2013 in
One of the more complicated issues when dealing with a loan modification comes when you have to review and sign the final modification paperwork.  In order to determine whether you want to accept the modification or look at alternative options, you will want to understand what you are signing. The lender will send a package...
Posted on September 17, 2013 in
In an earlier blog we discussed what happens when your vehicle is considered a total loss, i.e., the costs of repairs is greater than the value of the vehicle.  This blog discusses what your rights are if your vehicle is not totaled, but is still damaged. First, you are entitled to have your car repaired...
Posted on September 12, 2013 in
State, local and municipal employees in Nevada often seek legal assistance from their unions and/or employment associations (informal unions). Unions and employment associations sometimes fail to  properly represent the employee when it comes to employee discipline and/or grievances. This inevitably leads to distrust between an employee and the union, which is the employee’s exclusive representative...
Posted on September 11, 2013 in
           What happens when your vehicle is damaged to the extent that the cost of repairing it costs more than the value of your car?  If you are lucky, you will never encounter this situation, but in the event you do there are some terms and definitions you will need to...
Posted on September 10, 2013 in
The Consumer Financial Protection Bureau (“CFPB”) was created by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.  The CFPB is the first federal agency focusing solely on consumer financial protection.  In its quest to protect consumers, the CFPB receives and investigates “consumer complaints.”   While the CFPB accepts reports from a number of...
Posted on September 5, 2013 in
One fundamental intent of the Fair Labor Standard’s Act (“FLSA”) is to ensure that employees are paid for the hours that they work, whether they are regular wages or overtime wages.  Employers will often have a company-wide policy for how and when its employees must clock-in and clock-out for each shift. Such policies are meant...