CSA Law draws on its experience in regulatory counseling, government investigations, enforcement actions, and litigation to protect consumers and help clients understand the laws and regulations that govern the mortgage, credit card, and banking industries. We have served as counsel in matters involving the prosecution of claims under state and federal law, including:

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• Dodd-Frank Wall Street Reform and Consumer Protection Act (DFA)

• Consumer Credit Protection Act

• Equal Credit Opportunity Act (ECOA)

• Federal Trade Commission Act (FTC Act)

• Fair Credit Reporting Act (FCRA)

• Fair and Accurate Credit Transactions Act (FACTA)

• Fair Debt Collection Practices Act (FDCPA)

• Telephone Consumer Protection Act (TCPA)

• Florida’s Deceptive Unfair Trade Practices Act (FDUTPA)

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When handling matters involving violations of consumer financial protections, CSA Law investigates the lender or loan servicer to determine whether past mortgage loan servicing and foreclosure abuses and fraud exist. We listen to our clients' objectives and develop a cost-effective plan tailored to meet those objectives and offer thoughtful, results-driven solutions.

 

CSA Law regularly represents consumers in matters involving harmful practices and violations of consumer protection laws, including (i) failure to properly apply payments made by borrowers and maintain accurate account statements; (ii) ​wrongful or inaccurate allegations of loan defaults and improper and unauthorized fees for default-related services; (iii) ​improper denial of loan modification relief to eligible borrowers; (iv) failure to provide accurate and timely information to borrowers who sought information about loss mitigation services, including loan modifications; (v) ​misrepresentations made to borrowers regarding loss mitigation programs and alternatives; (vi) ​provision of false or misleading information to consumers regarding foreclosure proceedings​; and (vii) imposition of force-placed insurance.

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CSA Law regularly represents clients in matters involving foreclosure proceedings, loss mitigation and reinstatement rights, loan modifications, and other mortgage relief.