CONSUMER FINANCE

Areas of Expertise

Representative Matters

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

  • 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.

"The man who gets angry at the right things and with the right people, and in the right way and at the right time and for the right length of time, is commended."

Aristotle