© 2020 by Tira Law APC

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CONSUMER FINANCE

Areas of Expertise

Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. § 1692, et seq.

Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. § 2601, et seq.

Truth in Lending Act (“TILA”), 15 U.S.C. § 1601, et seq.

Fair Credit Reporting Act (“FCRA”), 15 U.S.C. § 1681, et seq.

California Homeowner Bill of Rights (“HBOR”)

Rosenthal Fair Debt Collection Practices Act, Civil Code § 1788, et seq.

California Consumer Credit Reporting Agencies Act, Civil Code § 1785.1, et seq.

California Invasion of Privacy Act (“CIPA”), California Penal Code, § 632, et seq.

Residential Mortgage Servicing and Lending

Credit Cards and Home Equity Lines of Credit

Banking Deposit Disputes

Representative Matters

  • Successfully compelled a plaintiff to arbitrate individual claims for alleged violations of the California Invasion of Privacy Act, Penal Code, § 632, et seq. and obtained dismissal of putative class action claims.

  • Obtained dismissal of a borrower's claims for breach of contract, fraud, unfair competition, and negligent misrepresentation against a loan servicer.

  • Obtained dismissal of bank in a depositor's action for damages stemming from an availability of funds dispute.

  • Successfully defended a bank against claims for alleged violations of the federal Fair Credit Reporting Act and the California Consumer Credit Reporting Agencies Act based on loan reporting during a pending bankruptcy.

"To, strive, to seek, to find, and not to yield."

Tennyson