10 Inmutables Derechos del Consumidor

1. Robo-signing and bogus affidavits that infect foreclosures and also credit card collection lawsuits.

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2. Entities foreclosing on mortgages that lack standing or do not comply with HAMP mortgage modification requirements.

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3. Employers who pull consumer reports but do not send required notices.

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4. Voicemail(s) that do not reveal the caller is a debt collector.

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5. Subprime loans that are unaffordable, fail to include an escrow account, or contain prepayment penalties.

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6. Doc fees, etch, desert protection, GAP, or other overpriced auto add-ons that are slipped in without permission or though deception.

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7. TIL requires mortgage servicers to properly credit consumer payments and provide a requested payoff statement, disclosing the mortgage holder’s identity. Mortgage brokers also cannot encourage appraisers to misrepresent home values.

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8. Debt buyers who bring collection lawsuits outside of the applicable statute of limitations.

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9. Auto lenders who trip up on unique state law repossession rules not found in the standard UCC version.

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10. Millions of cars are sold each year with undisclosed prior wreck damage. A federal database now provides this history to the public for $2.

Contacto

Rivera & Fernández Law Offices

Postal:
PO Box 360764
San Juan, PR 00936-0764

Física:
Cond. AREY
#4 Calle México Suite 100
Hato Rey, PR

Tel: (787) 281-0707
Fax: (787) 281-0708
Email: info@rflawpr.com