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Credit Slips 
A discussion on credit and bankruptcy.
Post Frequency: 12.8/day Last Entry: April 01, 2011 at 09:01:41 Recent Entries: 1126
By Bob Lawless, Adam Levitin, Angie Littwin, Katie Porter,
John Pottow, Debb Thorne, Elizabeth Warren
Go to Credit Slips, find other Bankruptcy blogs, or browse all law blogs.
Bankruptcy at the Dem's Debate
Posted on January 15, 2008Bankruptcy got a surprising amount of attention at tonight's Democratic primary debate in Las Vegas.
Consumer Spending
Posted on January 15, 2008As the country contemplates a recession, economists are wringing their hands over a slow-down in consumer buying. About two-thirds of the economy is driven by consumer purchasing. Without that engine, economists fear that the economy will be in serious trouble...
Mortgage Magic--Recreating Servicing Documents
Posted on January 11, 2008The latest uproar about mortgage servicing in bankruptcy is an admission by Countrywide that it "recreated" documents related to the servicing of a consumer's home loan. The short story is that Countrywide says a debtor's monthly mortgage payment changed during...
European Commission Rules MasterCard's Interchange Fees Are Illegal
Posted on January 10, 2008The European Commission rules that MasterCard's interchange fees are illegal.
Your Free Lottery Ticket: Credit Card Truncation and Identity Theft
Posted on January 10, 2008Credit card truncation statutes, which forbid the printing of more than 5 digits of a credit card number on a receipt, are meant to protect against identity theft, but miss the point. The problem is not the number of digits on a receipt, but the very fact that card technology permits relatively easy fraud--just by copying 16 digits...
Forget the "Foreclosure Investigator"--File a Lawsuit!
Posted on January 09, 2008Elizabeth Warren's recent post asked "What Can a City Do?" about subprime lending. The post prompted many thoughtful comments, both on Credit Slips and on the Calculated Risk blog. While readers were discussing the merits of various ideas, including a...
Is Cheaper Better?
Posted on January 09, 2008As part of the 2005 amendments, consumer bankruptcy debtors must complete a financial education course to receive a bankruptcy discharge. The requirement was controversial among law professors, with some seeing the requirement as one of very few reforms that could...
Financial Education: Money Talk Hits a Sore Spot
Posted on January 08, 2008Money is a touchy subject. No matter how much you try to make discussions about how to preserve it, how much importance to place on it, etc, value neutral and nonjudgmental, people have issues. I spend most of my free...
Call for Banking and Consumer Financial Services Papers
Posted on January 07, 2008The University of Connecticut School of Law is hosting a Junior Scholar Workshop on Banking and Cosnumer Financial Services Law on May 28-29th. Consumer Financial Services is certainly a hot area of policymaking right now, and this academic conference promises...
What Can a City Do?
Posted on January 07, 2008Because subprime lending was not evenly spread around the country (or even around a state or city), individual neighborhoods are bearing the brunt of the meltdown. When several homes in one community go into foreclosure, a neighborhood can rapidly shift...
Think Public Benefits are Exempt from Execution? Think Again.
Posted on January 05, 2008I have been telling my students this for years. Perhaps you have too. 42 U.S.C. § 407(a) says social security and other public benefits are free from the claims of executing creditors, but for many people that is true only...
News from the Law Professors? Conference
Posted on January 05, 2008I thought I could channel techno-guru Bob Lawless and blog live from the AALS program on Creditors' and Debtors' Rights, but I couldn't so here's what went on at our conference yesterday. Our own Katie Porter (Iowa) organized this year?s...
The Social Security Prepaid Debit Card
Posted on January 04, 2008Social Security is switching from checks to prepaid debit for its disbursement. This has redistributional effects and represents the federal government's most major outsourcing of its payments, which raises the specter of abusive monopoly fees being imposed on a captive market of Social Security benefit recipients.
Illinois State Treasurer Shilling for Barclays Bank
Posted on January 03, 2008Well, I won't sleep so well tonight knowing the same masterminds that came up with the following idea are also in charge of our state funds. Today's State-Journal Register (full article here) reports the following: Moms, dads and other adults...
It's All Academic
Posted on January 03, 2008A long-standing academic divide now separates two presidential candidates. For nearly three decades, legal scholarship has been dominated a deductive, theoretical approach that analyzes incentives and assumes outcomes, with the rational actor playing the starring role...
Debt Slavery? Correlation of Slavery with Chapter 13 Filing Patterns
Posted on January 02, 2008There is a strong correlation between high chapter 13 filing rates and former slave states. But what is the explanation?
Previous
More owners facing foreclosure - Many paying a price for easy credit
Timothy Duggan, Shareholder in Stark & Stark's Real Estate Gro...
Ex-Spouses Can Ruin Each Other's Credit
Ex-Spouses Can Ruin Each Other's Credit By Kimberly Palmer, US New...
How Will My Divorce Affect My Credit?
A very good overview of some of the credit issues in divorce. ----...
Truth In Lending Act
Consumer Loans and Consumer Credit Protection Act
Bankruptcy Law
A complete prime (pre-2005)
Collection Agencies and Creditors
How to deal and stop the harassment
Federal Adoption Tax Credit
Financial Incentive for Adoptive Parents
My fiance's check is DD into a local credit union. Bank seems to have a pattern of "invisibly holding" charges from the debit card until just HOURS before his DD is processed (and this is after hours, of course). Over th
Have your fiance take the information you've collected and go into the bank...
What can i do about continued charges on closed account?
IMMEDIATELY call your bank and report the charges as fraudulent. They will be ab...
My father died and left my mother $200,000 (life insurance) My Mother died 2 years later leaving my sister and I with both about $75,000 each. (including house/vehicles/belongings which I never got). We were supposed to
File a police report. Two police reports, one for you and one for your sister. G...
Must I refinance my house aftering taking full ownership after a divorce via a quit claim?
When financing there are at least two documents...the mortgage and the note. The...
Should I return a phone call from a collection agency that doesn't name their client in the message?
In the county of the state where I live in the US, I am able to go to the websit...
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Acute perpendicular parking #NYPD #NYFD
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Parallel parking gone bad. Too much gas UES NYC
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UES NYC
On 08-18 at 21:25PM
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Model example of 1st Amendment suppression by the People of New York City's Michael Bloomberg #OWS #NYPD
On 07-12 at 21:07PM
AG Holder lackadaisical on Operation in our Sites domain name seizures & RIAA lobbied free speech suppression @dajaz1
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On 05-15 at 21:52PM
My fiance's check is DD into a local credit union. Bank seems to have a pattern of "invisibly holding" charges from the debit card until just HOURS before his DD is processed (and this is after hours, of course). Over th
Have your fiance take the information you've collected and go into the bank...
What can i do about continued charges on closed account?
IMMEDIATELY call your bank and report the charges as fraudulent. They will be ab...
My father died and left my mother $200,000 (life insurance) My Mother died 2 years later leaving my sister and I with both about $75,000 each. (including house/vehicles/belongings which I never got). We were supposed to
File a police report. Two police reports, one for you and one for your sister. G...
Must I refinance my house aftering taking full ownership after a divorce via a quit claim?
When financing there are at least two documents...the mortgage and the note. The...
Should I return a phone call from a collection agency that doesn't name their client in the message?
In the county of the state where I live in the US, I am able to go to the websit...
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