أفضل بودكاسات Think Like A Lawyer Thursday (2024)

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Earth Day 2021 Two Things to Do if You Are Considering Solar Energy 13:30

3+ y ago13:30

13:30

If you want to save the planet and save money by going solar, you need to do two things first. 1) Educate yourself about the types of solar energy available and which one may be right for you. 2) Be aware of typical scams and fraud and how to avoid them. Listen to find out if you’ll truly save money and participate in saving the planet!…

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It’s April- Don’t be fooled by false threats from debt collectors! 7:09

3+ y ago7:09

7:09

In this episode we discuss the false threats debt collectors often make to SCARE people into making payment on a debt when they don’t have the money- often at the expense of paying for rent, food, utilities and other necessary bills. We review a recent case where a debt collection company was falsely threatening people with lawsuits on past due con…

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The Ides of March During the Pandemic- and Debt Settlement 8:32

3+ y ago8:32

8:32

To Romans the Ides of March was a time for settling debt. The first new moon of the year at this time was also a time for celebration. While we are celebrating the widespread rollout of the COVID-19 vaccines, many are struggling with debt. In this episode you’ll learn about dealing with your personal financial situation and free access to the book …

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Yo-yo Car Sales and Financing- Don’t Get Caught in this Trap 10:55

4y ago10:55

10:55

Many Car Dealers engage in a practice called yo-yo sales. They send you home thinking you have bought a car only to call you and say you have to bring it back because the financing “didn’t go through”. Learn the warning signs and what you can do to make sure this doesn’t happen to you. Know your rights and how to keep the original deal you made.…

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Beware of Early Wage Access Services 10:01

4y ago10:01

10:01

Susan Ingles discusses early wage access programs that are becoming more common. Learn how they can really be just like payday loans and not worth the risk of getting into what really amounts to just another cycle of debt.

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Nationstar Mortgage, LLC dba Mr.Cooper settlement 6:36

4y ago6:36

6:36

SC Dept. Of Consumer Affairs and the Consumer Finance Division of SC State Board of Financial Institutions announce settlement of multi year investigation of state and federal laws. Tune in to find out what it means for you if your loan is serviced by “Mr. Cooper”.

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FTC cracks down on CBD product sellers 4:52

4y ago4:52

4:52

The Federal Trade Commission announced the first 6 companies to fall victim to “Operation CBDeceit” enforcing rules against deceptive health claims by product makers that are unsupported by scientific evidence- here CBD -containing products.

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Avoid COVID-19 scams offering vaccines, treatments & supplies or seeking your donation or investment 13:46

4y ago13:46

13:46

In this episode we review 7 scams surrounding the COVID-19 pandemic and 7 ways to avoid them. Don’t let your fears, desire to help or need for investment returns cause you to let your guard down. Scammers really come out of the woodwork when disaster strikes and they prey on these facets of human nature. Don’t get caught unawares!…

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What Lenders Say to Get You to Borrow- Top 10 10:42

4y ago10:42

10:42

Lenders who lend money at high interest rates use these top ten statements and more to convince you to borrow from them. Take your time to think about what it really costs and whether you will be able to pay it back.

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Economic Impact Payment registration deadline extended for non filers 4:31

4y ago4:31

4:31

If you aren’t required to file an income tax return due to the amount of your annual income, and you haven’t filed a return for 2019 and don’t plan to, you can still register until Nov. 21, 2020 to receive an Economic Impact Payment

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Loss Damage Waiver product results in violation of Consumer Financial Protection Act 8:00

4y ago8:00

8:00

Lobel Corporation entered into a consent order with the CFPB last week requiring it to pay $1,345,224 to car loan borrowers and a civil money penalty of $100,000 for unfair practices related to the Loss Damage Waiver agreement it requires borrowers to agree to.

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CFPB enters Consent Enforcement Orders with 8 Mortgage Companies that targeted Veterans 8:34

4y ago8:34

8:34

This episode reviews a recent sweep by the Consumer Financial Protection Bureau that resulted in 8 mortgage companies agreeing to enforcement orders. The companies were targeting veterans and military service-members with mailers that contained false and deceptive information. Listen for moee details!…

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Foreclosure Moratorium Extended to December 31, 2020 14:16

4y ago14:16

14:16

Congress has extended the foreclosure moratorium on federally backed mortgage loans contained in the CARES Act to December 31, 2020. This episode explains what that means, how to find out if your mortgage is covered and also how to get a forbearance of the payments during the moratorium.

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CDC issues Eviction Moratorium until Dec. 31, 2020 8:35

4y ago8:35

8:35

Find out if you qualify and what you need to do NOW to get the benefit of the CDC’s moratorium on evictions if you can’t pay your rent right now.

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Beware of scammers impersonating power companies and threatening to cut your power 9:37

4y ago9:37

9:37

This episode describes the scam where you get a call from a utility threatening to cut off service if you don’t pay within an hour using store bought debit cards or gift cards. If this happens to you, ask yourself- - does the power company operate this way? The answer is NO! They don’t call and demand payment this way. They send a cutoff notice and…

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It’s Shark Week - Avoid these Dirty Dozen scams, ripoffs and abuses 6:29

4y ago6:29

6:29

Predatory lenders target people who are already in difficult financial situations. In this episode we list 12 scams, ripoffs and loan abuses that can take a bite out of your financial transactions.

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Credit Reporting During The COVI-19 Pandemic 18:43

4y ago18:43

18:43

Rules about credit reporting under the CARES Act when a creditor provides you with an accommodation on payment

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New Robocall Law To Provide More Protection for Consumers 7:49

5y ago7:49

7:49

TRACED The Telephone Robocall Abuse Criminal Enforcement and Deterrence Act.

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Gift Cards are for Gifts, not for payments! Never get duped into paying a scammer with a gift card. 9:05

5y ago9:05

9:05

It’s the season of giving and many of us give gift cards. Watch out for the other use of gift cards. Ways that gift cards are used in scams where scammers demand payment by gift cards are examined.

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Federal Trade Commission Shuts Down Advocare’s Illegal Pyramid Scheme 9:03

5y ago9:03

9:03

On October 2,2019 the FTC announced a 150 million dollar settlement w/Advocare in which the company, its CEO and 2 top promoters are permanently banned from multilevel marketing and “distributors” may get some of their money back.

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Know Your Rights in auto warranties- express or implied 8:18

5y ago8:18

8:18

This episode reviews your rights when it comes to car warranties. They can be express or implied and even disclaimed by the dealer or manufacturer.

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Post Disaster Financial Problems 11:55

5y ago11:55

11:55

Learn about the 9 financial issues you may face after a natural disaster and what you can do about them - common themes as compiled by the CFPB from what people called them about after experiencing a natural disaster.

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Extreme Debt Collection by the SC Dept. of Revenue 17:34

5y ago17:34

17:34

Find out how the SC Dept of Revenue can collect gov't and quasi gov't debts from you using set off of your refund, wage garnishment, liens and levies. We see this most often with medical debt collection for public hospitals.

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State law relief from student loan servicer abuses 6:00

5y ago6:00

6:00

Recent cases have addressed state law relief on student loan servicer abuses and the issue of federal preemption. These recent cases and a list of reported servicer abuses are discussed in this episode.

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HOA Complaint Process in SC 10:16

5y ago10:16

10:16

This episode reviews the SC Homeowners Assoc. Act, the requirements of HOAs and it’s provisions for filing a complaint about disputes with the SC Dept. Of Consumer Affairs.

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Debt Settlement Co. agrees to 25 million judgment to settle on claims by CFPB for improper practices 10:42

5+ y ago10:42

10:42

Freedom Debt Relief, LLC entered into a stipulated order with the CFPB in litigation related to its alleged improper practices and misleading advertisements and promises. The order enjoins the practices and provides 20 million in restitution to affected consumers and 5 million in fines and penalties. This episode gives you Ingles' Angle on the laws…

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Servicemembers Civil Relief Act 9:48

5+ y ago9:48

9:48

Get Ingles’ Angle on the protections afforded our Servicemembers under the SCRA 50 USC 3901-4043

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Criminal Justice Debt in the South 11:04

5+ y ago11:04

11:04

A review that provides highlights from A Primer for the Southern Partnership to Reduce Debt from Abby Shafroth at the National Consumer Law Center

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FCRA and Consumer Reports Providing Tenant Background Screening 9:52

5+ y ago9:52

9:52

This episode reviews the existence of consumer reporting agencies that perform tenant background screening and how the Fair Credit Reporting Act applies.

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Three Day Right To Cancel does not apply when buying a car but here’s when it can be used. 29:32

5+ y ago29:32

29:32

State is South Carolina Law and Federal law on the “Cooling Off Rule”

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50th Episode!! Introducing “Clark” and the new online classrooms from S.C. Legal Services 4:25

5+ y ago4:25

4:25

Thanks to all my loyal listeners for the last 50 episodes! I look forward to the next 50!

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Financial Literacy Month and Reentry Week-Thanks for Focus on Reentry CFPB! 6:50

5+ y ago6:50

6:50

Thanks to the Consumer Financial Protection Bureau the "Your Money Your Goals Toolkit w/Focus on Reentry" helps justice involved individuals w/finances. www.consumerfinance.gov National Financial Literacy Month is recognized in the United States in April in an effort to highlight the importance of financial literacy and teach Americans how to estab…

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Fed Increasing Bankruptcy Exemptions April 1st- No Fooling! 41:35

5+ y ago41:35

41:35

What are Bankruptcy exemptions and how do they work? Do the new federal exemptions affect you in S.C.?

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Watch out! IRS releases list of Dirty Dozen Tax Scams for 2019 9:07

5+ y ago9:07

9:07

The IRS issues its annual list of 12 tax scams reminding taxpayers to be vigilant to these aggressive and evolving schemes throughout the year

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Common Errors on Your Credit Report 6:26

5+ y ago6:26

6:26

How to find and dispute Common Errors on Your Credit Report

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New Credit Protection for Servicemembers 4:09

5+ y ago4:09

4:09

Changes to credit reporting on medical debt and credit monitoring.

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Sweetheart Swindlers- A Valentine’s Day warning 7:13

5+ y ago7:13

7:13

A discussion of romance scams. According to the FTC, complaints have risen substantially in just the last 3 years with monetary losses quadrupled during that period.

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Credit Unions and Cross Collateralization 5:55

6y ago5:55

5:55

This episode explains the dragnet clause of Cross Collateralization with credit union loans and accounts. We also provide information about filing consumer complaints involving credit unions.

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Before you join a gym in S.C., listen to this! 5:08

6y ago5:08

5:08

S.C. Department of Consumer Affairs published a news release on January 9, 2019 entitled New Year New You outlining 5 considerations before you join a gym. InglesAngle reviews these for the audience.

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SC Insurance Data Security Act - SC Code 38-99-10 et seq Effective January 1, 2019 3:33

6y ago3:33

3:33

Consumers provide a lot of personal information to insurance companies. SC is the first in the U.S. to pass this insurance cyber security legislation modeled after the NAIC Insurance Data Security Model Law

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12 Days of Christmas-Consumer Style- 12 Consumer Protection Law websites to answer your questions 6:06

6y ago6:06

6:06

This episode provides 12 website addresses where you can find even more consumer information than what was provided in the 12 Days of Christmas series. They include local, state and national organizations.

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12 Days of Christmas-Consumer Style-11th Day of Christmas-11 remedies for a bad “as is” car purchase 7:41

6y ago7:41

7:41

This episode outlines 3 ways to recover from a used car dealer after buying a car “as is”. It outlines state and federal statutes as well as common law that provide remedies for a used car sale gone wrong.

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12 Days of Christmas-Consumer Style- 10th Day- 10 acts of unconscionable conduct by debt collectors 3:36

6y ago3:36

3:36

The S.C. Consumer Protection Code allows a lawsuit for damages and injunction for these 10 and other acts considered to be unconscionable debt collection activities in S.C.

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12 Days of Christmas-Consumer Style- 9th Day of Christmas-9 Questions to ask about credit insurance 4:56

6y ago4:56

4:56

Lenders often suggest including credit insurance with your loan. Since it’s optional, here are 9 questions you should get the answers to before you agree to pay for credit insurance on your loan.

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12 Days of Christmas-Consumer style- 8th day of Christmas- 8 bits of info on payday loans in SC 7:26

6y ago7:26

7:26

If you’re being tempted to take out a payday loan to pay your bills after spending too much on Christmas, know your rights before you turn that check into cash!

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12 Days of Christmas-consumer style- 7th day of Christmas- 7 billing error disputes under the FCBA 4:30

6y ago4:30

4:30

The Fair Credit Billing Act (FCBA) is a federal law that provides a settlement process when your billing statement has errors. This episode provides a list of 7 types of billing errors that can be disputed.