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	<title>Consumer Litigation Group</title>
	<link>http://www.consumerlitigators.com</link>
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		<title>How Can Car Loans and Car Leases Be Handled in Chapter 13 Bankruptcy?</title>
		<description><![CDATA[Chapter 13 bankruptcy can let you reorganize your personal finances, but you should be concerned with how your car loans or leases will be affected if you decide to file.  Because a Chapter 13 bankruptcy permits you to propose an affordable repayment plan to the court, it’s important to understand the impact of Chapter 13 [...]]]></description>
		<link>http://www.consumerlitigators.com/2363/bankruptcy/how-can-car-loans-and-car-leases-be-handled-in-chapter-13-bankruptcy/</link>
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		<title>A Guide to the Bankruptcy Section 341 Meeting</title>
		<description><![CDATA[The 341 Meeting is often regarded as mysterious.  But, before we demystify the 341 Meeting, you should first be sure to know that bankruptcy is one option if you seriously cannot meet your financial obligations.  Chapter 7 bankruptcy allows you to wipe out most, but not all forms, of your unsecured debts.  Chapter 13 bankruptcy [...]]]></description>
		<link>http://www.consumerlitigators.com/2330/bankruptcy/a-guide-to-the-bankruptcy-section-341-meeting/</link>
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		<title>How Does Bankruptcy Affect My Credit?</title>
		<description><![CDATA[What is Bankruptcy? There are two main consumer bankruptcy Chapters which you can use to obtain a “fresh start.”  Chapter 7 Bankruptcy is the most common example of consumer bankruptcy and is utilized when you can no longer pay your creditors.  Under Chapter 7 Bankruptcy, your possessions are liquidated in order to pay off your [...]]]></description>
		<link>http://www.consumerlitigators.com/2318/bankruptcy/how-does-bankruptcy-affect-my-credit/</link>
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		<title>Consumer Bankruptcy Provides a Fresh Start</title>
		<description><![CDATA[Tough economic times have caused millions of American consumers to experience extreme financial problems and out-of-control debt.  Consumer bankruptcy may be a viable solution for those consumers who just need a financial fresh start.  Consumer bankruptcy was designed to provide consumers who are overwhelmed with debt a way to reduce, eliminate, or reasonably pay back [...]]]></description>
		<link>http://www.consumerlitigators.com/2291/bankruptcy/consumer-bankruptcy-provides-a-fresh-start/</link>
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		<title>The FDCPA Provides Important Consumer Protections</title>
		<description><![CDATA[When consumers get in over their heads financially, they may become the victims of harassing phone calls from overzealous debt collection agencies.  These agencies often practice other unscrupulous tactics that are illegal.  The Fair Debt Collection Practices Act (FDCPA) was passed in 1978 to protect consumers from abusive and harassing behavior by debt collectors.  The [...]]]></description>
		<link>http://www.consumerlitigators.com/2280/fair-debt/the-fdcpa-provides-important-consumer-protections/</link>
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		<title>The Fair Credit Reporting Act Provides Important Consumer Protections</title>
		<description><![CDATA[Congress enacted the Fair Credit Reporting Act (FCRA) to provide consumers with important consumer rights regarding the information found in their credit reports.  The FCRA also provides consumers a valuable opportunity to correct erroneous or inaccurate information in their reports. Originally passed in 1970, the Fair and Accurate Credit Transactions Act of 2003 made substantial [...]]]></description>
		<link>http://www.consumerlitigators.com/2265/fair-credit/the-fair-credit-reporting-act-provides-important-consumer-protections/</link>
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		<title>Apothaker &amp; Associates Must Provide Meaningful Verification of Debts</title>
		<description><![CDATA[The Takeaway: In response to a consumer’s demand for verification of an alleged debt, the debt collector ordinarily must verify the debt by showing the creditor&#8217;s grounds for the claim and provide an explanation as to why the debt exists. The Facts: Apothaker &#38; Associates (Apothaker) attempted to collect a junk debt that had been [...]]]></description>
		<link>http://www.consumerlitigators.com/2095/consumer-case-law/apothaker-associates-must-provide-meaningful-verification-of-debts/</link>
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		<title>Caveat Emptor:  Beware of the Balance Transfer Scam</title>
		<description><![CDATA[As Americans struggle in this slow economy, debt collectors are finding creative ways of separating struggling debtors from their dollars.  One way is the use of so-called “balance transfer programs.”  Many debts are legally unenforceable due to the expiration of the statute of limitations. A legally unenforceable debt is less valuable to a debt collector [...]]]></description>
		<link>http://www.consumerlitigators.com/2029/consumer-news/caveat-emptor-beware-of-the-balance-transfer-scam/</link>
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		<title>Judge Finds West Asset Management’s Collection of “Death Debt” Unlawful</title>
		<description><![CDATA[The 68 year-old Florida widow, Linda Long, won the right to pursue West Asset Management (West Asset) for damages in a civil suit.  A Florida judge assigned to the case found in her favor after weighing facts that West Asset harassed the widow when it tried to collect a debt her deceased husband owed to [...]]]></description>
		<link>http://www.consumerlitigators.com/2038/consumer-news/judge-finds-west-asset-managements-collection-of-death-debt-unlawful/</link>
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		<title>Illegal Wage Garnishment on Payday Loans Punished by the FTC</title>
		<description><![CDATA[Aside from a smoky pool hall with its visible collection of baseball bats, payday loans are the next worst form of consumer lending.  But, payday loans promise easy credit in a pinch.  Friendly websites, fast talking, and a faux concern for a person’s financial well being makes even the Pied Piper blush.  Even celebrities are [...]]]></description>
		<link>http://www.consumerlitigators.com/1994/consumer-news/illegal-wage-garnishment-on-payday-loans-punished-by-the-ftc/</link>
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