Current Events

Free House for Homeowner Facing Foreclosure

Doucet & Associates secured a free house for a client today as a result of a bank’s massive blunder.  The bank apparently did not have their paperwork in order and failed to file a foreclosure against our client within the statute of limitations...

Stimulating Our Senses With a Coffee Tasting

Stimulating Our Senses With a Coffee Tasting

Doucet & Associates recently hosted our first coffee tasting event for our lawyers and staff. We tasted a variety of different types of coffee including a light blonde roast, a medium roast, and a dark roast...

Meet Our New Associates

Doucet and Associates is pleased to announce and welcome Sean Kohl, Alex Keen, and John Miller to our team as associates. As a firm, we are very excited to have them join our team and are confident they will make a positive impact on our clients. Sean M. Kohl, Esq...

How to Avoid a Tax Scam

How to Avoid a Tax Scam

Tax scammers are hitting the ground running and are determined to scam as many tax payers as possible during tax season. Tax scammers can make millions of dollars a year off of tax payers by pretending to be affiliated with government organizations such as the IRS...

National Credit Education Month

National Credit Education Month

March is National Credit Education Month and Doucet & Associates would like to invite you to read some of our articles on improving your credit, keeping track of your credit report, and your rights under the Fair Credit Reporting Act...

Andrew Gerling: A New Shareholder at Doucet & Associates Co LPA

Andrew Gerling: A New Shareholder at Doucet & Associates Co LPA

We are proud to announce the promotion of Andrew Gerling to shareholder at Doucet & Associates Co., L.P.A...

Now Offering Free 1-Hour Presentations on Laws that Protect Consumers

Now Offering Free 1-Hour Presentations on Laws that Protect Consumers

If your group is interested in learning about consumer law and consumer rights, Doucet & Associates Co., L.P.A. can help by arranging a one-hour presentation for your group...

Foreclosure Lawsuit Reactivated Due to Suspected Fake Documents

Rick Slorp alleges that BAC Home Loans Servicing, L.P. and its attorneys at Lerner Sampson & Rothfuss LLP (LSR) created and submitted multiple fake versions of his promissory note to use as evidence against him in a foreclosure lawsuit.

Credit Report Agencies Forced to Refund Consumers $17.7 Million

TransUnion and Equifax are refunding $17.7 million to consumers and paying $5.5 million in fines for giving consumers misleading and deceptive credit scores.

Collect Damages from the Free Cruise Telemarketers

A cruise line that illegally telemarketed and advertised a free cruise by robocalling thousands of people in 2011 and 2012 is required to pay at least $56 million dollars in damages and fines.

Would You Vote for a Cashless Society?

The rise of debit cards, credit cards, and electronic fund transfers allows many Americans to live what appears to be a cashless life today. If America evolved to a cashless society, the speed of consumer and business transactions would continue to increase.

Can a debt collector call you during the holidays? It Depends

Can a debt collector call you during the holidays? It Depends

Getting a phone call from a debt collector during the holiday season can ruin your holiday spirit. The Fair Debt Collection Practices Act (FDCPA) restricts the actions of debt collectors, protects consumers, and punishes debt collectors with unruly, bad behavior. Troy Doucet, the firm principal here at Doucet & Associates Co., L.P.A., shares advice regarding the FDCPA and how to deal with unruly debt collectors during the holiday season in the article “Can a Debt Collector call you during the holidays?” in the Atlanta Journal-Constitution.

The FDCPA punishes debt collectors who contact consumers with repetitive, harassing behavior and restricts them from calling consumers at inconvenient times. Calling in the middle of the night or calling a consumer at work are typical examples of an inconvenient time, but holidays may also be arguable inconvenient and a violation of the FDCPA.

Under the FDCPA, consumers are allowed to send a written letter asking a debt collector to stop calling. After, the debt collector may contact the consumer one more time to inform them they plan to take legal action. If the debt collector continues to contact the consumer after the letter, then a consumer litigation lawyer at Doucet & Associates Co., L.P.A. can help determine if the FDCPA has been violated. Once a consumer has legal representation, the debt collector cannot contact the consumer directly without permission of the lawyer.

In Ohio, lawsuits dealing with the FDCPA allow fee shifting. This means if the lawyers at Doucet & Associates Co., L.P.A. can help you win a lawsuit against a debt collector for bad and unruly behaviors, the debt collector will have to pay all of our attorney fees for you. Contact an experienced lawyer at (614)944-5219 for your consultation today.

 

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New Flex Modification Program Will Replace HAMP

New Flex Modification Program Will Replace HAMP

The Home Affordable Modification Program (HAMP) that helps homeowners avoid foreclosure by adjusting interest rates and modifying loans expired at the end of the year. A new Flex Modification program will replace HAMP starting in 2017.

The new Flex Modification program is designed to cut back on monthly mortgage payments when homeowners are experiencing financial hardships and behind on their mortgage. Some homeowners are expected to receive up to a 20% payment reduction on their mortgage. Introduced by Fannie Mae and Freddie Mac, the Flex Modification foreclosure prevention program is supposed to be adaptive to regional differences and the ever-changing housing market.

Fannie Mae and Freddie Mac are government enterprises developed by Congress to help loan servicers convert assets to cash, a concept known as liquidity. To do this, Fannie Mae and Freddie Mac buy mortgages from lenders and loan servicers. The lenders then take the profit from selling the mortgages and relend it to other consumers buying a home or property. The government enterprises help lenders have an affordable supply of monetary funds to distribute in mortgage loans around the United States.

Flex Modification is expected to help lenders, homeowners, taxpayers, Fannie Mae, and Freddie Mac save money by avoiding the expensive and long foreclosure process. If you are having financial difficulties and struggling to pay your mortgage payment in full every month, a loan modification may be able to help you keep your home. Contact a foreclosure defense lawyer at Doucet & Associates Co., L.P.A. at (614)944-5219 for legal assistance securing a loan modification today.

 

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Credit Reports are Improving Since the Housing Crisis

Credit Reports are Improving Since the Housing Crisis

Homeowners that suffered from foreclosure during the housing crisis and Great Recession are starting to get their foreclosure histories taken off their credit reports. Removing foreclosure from a credit report can make it easier for a consumer to increase their credit score. Doucet & Associates Co., L.P.A. helps consumers’ correct errors on their credit reports and assists homeowners fight foreclosure.

The Great Recession refers to the economic decline during the financial crisis and the housing crisis that happened between 2007 and 2009. The rise of unemployment during the financial crisis caused many homeowners to fall into foreclosure, which negatively impacted their credit reports. Foreclosure stays on a consumer credit report for seven years.

There are many reasons that simultaneously caused the recession. The rise in foreclosures and drop in number of people buying homes at that time led to the United States housing bubble collapsing. The prices of homes were dropping, current homeowners were struggling to pay back mortgages, and people were frantically looking for jobs after being laid off. The recession left many Americans with long-lasting consequences.

If your foreclosure history is not being removed from your credit report, the Fair Credit Reporting Act (FCRA) grants consumers the right to write a letter asking the credit reporting agency investigate the error. The removal of foreclosure from a credit report is going to influence consumers getting approved for lower interest rates.  If the credit reporting agency is denying your request to have foreclosure cleared from your credit report after seven years the lawyers at Doucet & Associates Co., L.P.A. can provide legal assistance. Contact us today at (614)-944-5219.

 

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Doucet & Associates Co., L.P.A. Attorneys Receive Rising Stars Honor

Doucet & Associates Co., L.P.A. Attorneys Receive Rising Stars Honor

Attorneys Troy J. Doucet and Andrew Gerling are being recognized as a 2017 Ohio Rising Star by Super Lawyers. This honor is reserved for lawyers who exhibit excellence in practice. Doucet & Associates Co., L.P.A. focuses on helping our clients fight foreclosure, consumer law, and small business litigation.

Troy Doucet established this law firm to help people fight against banks, mortgage companies, and debt collectors. He also wrote the foreclosure defense book 23 Legal Defenses to Foreclosure: How to Beat the Bank, trains new attorneys in consumer law, and has taught CLE courses for lawyers. Troy works hard to make sure that our clients get outstanding legal representation and is proud of the consumer-friendly case law this firm helps establish every day.

Andrew Gerling is a senior associate and litigator at Doucet & Associates. He has significant experience helping people in consumer protection lawsuits such as foreclosure defense, abusive debt collection, and consumer fraud. Andrew and Troy have great experience working with consumer matters that involve the Real Estate Settlement Procedures Act, Consumer Sales Protection Act, the Fair Debt Collection Practices Act, Truth in Lending Act, and the Fair Credit Reporting Act.

Troy Doucet and Andrew Gerling are honored to have received the 2017 Ohio Rising Stars Award for consumer law. The dedication the attorneys at Doucet & Associates give our clients has helped our law firm become one of the most recognized foreclosure defense and consumer law firms in Ohio.

Contact Doucet & Associates Co., L.P.A. at (614)944-5219 for legal assistance with a foreclosure lawsuit or consumer protection matter.

 

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