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Law Office of Gordon Mosley
A Bankruptcy & Consumer law Firm
20 Years Experience Helping People Gain A Fresh Start

January 2014 Archives

CFPB proposes new rules to define fair debt collection practices

The Consumer Financial Protection Bureau was only created in 2011, but it’s already making enormous strides. In fact, the agency is currently considering new rules meant to strengthen the Fair Debt Collection Practices Act, for FDCPA. This federal law was passed in 1977 to protect debtors from unfair debt-collection activities but, amazingly, this is the first time a specific regulator has been in charge of its interpretation.

Could lies during personal bankruptcy bring exemption forfeiture?

According to the U.S. Supreme Court, the purpose of our nation’s Bankruptcy Code is to help the “honest but unfortunate debtor” get a fresh financial start, and the vast majority of people who file for personal bankruptcy under Chapter 7 and Chapter 13 fit just that description.

Annual bankruptcy filings fell in 2013; Chapter 11 by 31 percent

According to data from the American Bankruptcy Institute, the total number of bankruptcy filings dropped last year by 13 percent over 2012. Overall, there were 1,032,326 bankruptcies filed last year; 1,186,137 were filed the year before. The largest percentage reduction was in the number of Chapter 11 business bankruptcies, which fell by 31 percent. The nationwide bankruptcy rate reached a peak in 2007 but has been dropping off each year since 2010.

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Law Office of Gordon Mosley

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