Zemel Law LLC

12/25/2024

2024 was a year full of data breaches. And subsequently…more identity theft than ever.

01/13/2022

Another interesting new California Law:

Effective January 1, 2022, California AB 430 [18] makes it mandatory for creditors, debt
collectors, and debt buyers to accept an FTC Identity Theft Report in lieu of a police report as sufficient for making a claim of
identity theft. Signed into law on September 23, 2021, the new law amends Cal. Civ. Code §§ 1788.18, 1788.61, 1798.92, and
1798.93 and Cal. Penal Code § 530.8.

01/13/2022

Interesting new law in California:

Effective July 1, 2022, adds Cal. Civ. Code § 1788.14.5, to require debt collectors to
provide more information about themselves and the debt that they allege the consumer owes, and to show that they have
authority to collect the debt.

01/13/2022

Interesting new law in Connecticut:

Effective October 1, 2022, Conn. Pub. Act 21-12 [47] limits credit reporting of hospital debt for
one year, prohibits foreclosure of a primary residence to pay a hospital bill, or garnish wages of an individual eligible for the
hospital bed fund.

02/25/2021

Credit reports should not be outdated. Zemel Law recently obtained judgment against American Education Services after reporting old information on a consumer's report. The Court said its conduct in this type of reporting was reckless entitling the consumer to punitive damages. Huge win for consumers and credit report accuracy!

02/09/2021

Zemel Law obtained judgment for $7,500 against a debt collector today after a collection letter made false threats to the consumer. The consumer believed the letter, and made payment to avoid the threats. Collection letters must be honest!

09/17/2020

Zemel Law recently obtained judgment against Midland Credit Management, Inc. for intentionally credit reporting a paid debt as unpaid to the credit bureaus! Shame on them.

08/28/2020

Zemel Law recently obtained a judgment against General Revenue Corporation, a debt collector, for tacking on collection costs it didn't earn. Another win for consumers!

01/29/2020

Interesting fact: a debt collector cannot include any language on the outside of their envelopes other than the sender of information. Lots of envelopes don't comply with the law!

11/20/2019

https://www.marketwatch.com/story/equifax-settles-case-with-woman-who-sued-after-a-credit-file-mix-up-allegedly-destroyed-her-familys-life-2019-11-15

A separate ‘mixed file’ case against Equifax went to trial and ended with a $18.6 million jury award.