Jared Hartman, Esq. Posted on September 19, 2016   Just recently Wells Fargo agreed to a settlement with government agencies (The office of the Comptroller of Currency, the Consumer Financial Protection Bureau, and the Los Angeles City Attorney) to pay a civil penalty of $190 million over its disturbing history of opening fake accounts in…

Read More

Jared Hartman, Esq. Posted on September 2, 2016   Recently, we have had numerous calls by individuals who are confused as to the difference between “soft” inquiries vs. “hard” inquiries on their consumer credit reports. As a general rule, an inquiry is created when your credit report is accessed by a third party. Typically, these…

Read More

Jared Hartman, Esq. Posted on August 20, 2016   Dealing with a debt buyer can often be a frustrating and stressful experience. In general, debt buyers purchase old debts for a small percentage of how much is owed, and then aggressively pursue collection efforts upon the balance (or large percentage thereof) in order to maximize…

Read More

Jared Hartman, Esq. Posted on July 20, 2016   Default Judgment against Assisted Credit Services, Inc. for $30,784.65 for Malicious Credit Reporting Violation and Attempting to Collect a Paid Debt amount, even though the client’s insurance company had already paid more than half of the full debt and the client owed much less than what…

Read More

Jared Hartman, Esq. Posted on May 23, 2016   LVNV Funding, LLC is a Las Vegas based “debt buyer”—an entity that regularly purchases defaulted (and often charged-off) debts from other entities, and then either attempts to collect the debt itself or retains an outside servicing agent to collect on their behalf. The circumstances under which…

Read More

Jared Hartman, Esq. Posted on April 17th, 2016   On April 6, 2016, in the case of McCaskill v. Navient Solutions, Inc. in the US District Court, Middle District of Florida, Case No. 15-cv-1559, the Court granted a motion for partial summary judgment as to liability in favor of the consumer-plaintiff based on Navient calling…

Read More

Jared Hartman, Esq. Posted on March 23, 2016   On March 1, 2016, Huffington Post Chief Financial and Regulatory Correspondent Shahien Nasiripour published an article that alleges the public was misled about whether Navient Corp. (under its former name Sallie Mae) violated the U.S. Servicemembers Civil Relief Act by intentionally and systematically overcharging troops on…

Read More

Jared Hartman, Esq. Posted on February 25, 2016   It can be a very intimidating and worrisome experience to be the subject of debt collectors’ aggressive tactics. It is common to experience nervousness, fear, worry, fluttering of the heart with a rise in heart rate and blood pressure, and if the debt collector treats you…

Read More

Jared Hartman, Esq. Posted on November 14, 2015   Semnar & Hartman, LLP have recently filed a lawsuit against a debt collector out of the McCarron, Nevada called First National Collection Bureau, Inc. for threatening an improper lawsuit against a consumer whose debt had been discharged in Chapter 7 Bankruptcy in 2006. The FDCPA prohibits…

Read More

Jared Hartman, Esq. Posted on September 21, 2015   The law firm of Semnar & Hartman LLP has recently filed a lawsuit against these companies for some very egregious violations of the Rosenthal Act and the Federal FDCPA. The client was being contacted on a very old credit card debt that is barred from judgment…

Read More