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DannLaw Update, September 2023

Marc Dann

By

Dann Law

The DannLaw legal team has been incredibly busy this summer. We have opened more than 100 new class action cases and Brian Flick, I and the members of our Class Action Litigation Practice Group have been appointed to leadership roles in a number of very significant cases including a mortgage discrimination case against Wells Fargo and actions seeking compensation for consumers impacted by data breaches that occurred at Snap Finance, Last Pass, Carrington Mortgage, Key Bank, Overby-Seawell, payday lender Advance America, Bet MGM, and others.

We also want to welcome two outstanding attorneys, Kurt Jones and Alisa Adams, to DannLaw. Their addition to our stellar lineup of legal talent will enable us to represent thousands of people involved in consumer arbitration cases. We invite anyone who is facing arbitration with a bank, credit card company, lender, or other entity to contact our office today. Kurty, Alissa, and our highly talented and experienced team ready, willing, and more than able to fight for you.  

We’ve moved and expanded! Our Columbus-area office has moved to 25 North Street in Dublin, Ohio. The phone number is 877-475-8100.  The new location features ample  parking and is more accessible access for our clients and DL attorneys from around the state. We have also opened an office in California at 26100 Towne Centre Drive, in Foothill Ranch. The phone number is 213-320-5706

Our offices in Cleveland, Cincinnati, New York and New Jersey have not moved and are located at:

Firm Practice Area Update:

Loss Mitigation and Foreclosure Defense: 

We continue to assist homeowners who are transitioning from Covid-era mortgage Forbearance programs to permanent loan modifications that make mortgage payments more affordable. If you are currently attempting to negotiate a loan mod and need assistance, please contact us right away. Our knowledgeable and experienced Foreclosure Defense team, which includes Whitney Kaster, Andy Engel, Javier Merino, Karen Ortiz, Amanda Severt and Roberto Rivera, are here to help homeowners in Ohio, New Jersey, and New York. 

In Ohio and New Jersey, two states with extremely high foreclosure rates, our team is fighting hard every day to enable our clients to stay in their homes. If a foreclosure action has been filed against you or someone you know, please remember that involving us early substantially increases our prospects for success. So don’t delay, let us begin securing your financial future today.

We’ve also encountered instances in which mortgage servicers are slow-walking responses to or are refusing to accept money made available to homeowners under the federal government’s Covid-era “Save the Dream” program. If you applied for these funds and were rejected because of something your servicer did or did not do, please contact us right away so we can work to rectify the situation and help secure the funds you need and deserve. 

Litigation against Mortgage Servicers: 

Dan Solar, Mike Smith, Javier Merino, Saher Chaudhary, and Kimberly White from our Mortgage Litigation Team continue to bring groundbreaking individual and class action cases against mortgage loan servicers that mistreat, mislead, and abuse borrowers and homeowners. Contact DannLaw right away if you have encountered any of the following issues: 

  1. Mistakes in calculating escrow payments. We have sued servicers that failed to pay taxes for homeowners even though they have collected the funds needed to make the payments from homeowners, Paid taxes on the wrong property, or placed insurance on homeowners who were already insured. 
  2. Failure to properly apply payments or adding charges that are not warranted under the note.
  3. Failure to follow investor or government rules, failure to work diligently to resolve issues, or failure to properly process paperwork when evaluating loan modification applications. applications.
  4. Mistakes made by servicers in transitioning borrowers from Covid forbearance to performing loans. 

Consumer Class Actions:

Wells FargoBringing class action lawsuits on behalf of consumers and other parties damaged by corporations, banks, lenders, and other entities is the fastest growing part of our practice. If you believe a company, no matter how large or small, is systematically cheating you and other customers, please give us the opportunity to investigate and determine if class action claims exist. Our Class Action Practice Group which includes Javier Merino, Brian Flick, Andrew Wolf, Jeff Crossman, Saher Chaudhary, Marita Ramirez, Kim White and Liza Marigliano has filed significant cases against these and other companies:

  1. PHH Mortgage for charging “pay-to-play” fees
  2. Wells Fargo for discriminating against people of color seeking mortgages
  3. Failure to disclose itemize documentation fees in car sales contracts.
  4. Bank of America for opening fake accounts in customers’ names 
  5. Walmart for violating its own refund policy. 
  6. Dollar General for charging more at the register than the price indicated on the shelf 

Data Breach and Identity Theft: 

Far too many companies have failed to adequately protect their customers’ and/or employees’ confidential personal information. As a result, cyberthieves have been able to access and utilize victims’ social security numbers, medical records, bank account information, and other sensitive data at an alarming rate. 

DannLaw attorneys Brian Flick, Marita Ramirez, Javier Merino, and the other members of the firm’s data privacy team are leading the effort to hold companies accountable by bringing class actions cases that force them to compensate people whose data has been stolen and sold.   If you receive a notice that your information has been part of a data breach, please reach out to us right away so that we can take steps to protect you and your family. 

 

Consumer Arbitrations: 

While we are involved in dozens of large cases, DannLaw also specializes in helping individual consumers seek and secure justice and just compensation. Our Consumer Arbitration Practice Goup led by attorneys Alisa Adams and Kurt Jones and paralegals Madellyn Brown, Ivona Gates and Maureen Dial has developed an effective and efficient process for arbitrating consumer claims against companies whose contracts prevent customers from suing in court or bringing class action cases. If you or someone you know is involved in a dispute with companies like Paypal, Chime, Cash App, American Home Shield, Choice Home Warranty, and others that force consumers to resolve claims via arbitration, our experts are here to help.

And, remember this: we don’t get paid unless we win your arbitration case.

Significant Developments in Ongoing Cases

Unemployment PUA supplement case:  We are still waiting for the judge to rule on the Governor’s Motion to Dismiss.

Driver’s License Lamination Case: Is set for trial later this year and notices have been mailed to over 3,000,000 class members. 

Mill Creek Park Deer: We have filed a motion for a preliminary injunction to stop the scheduled hunt in the park.

Current Class Actions with Claim in Periods

If Nationstar Mortgage wrongly withdrew money from your account, we invite you to make a claim here: https://achloanpaymentlitigation.com/

Thanks for taking the time to read our most recent update and as always, DannLaw is here to serve you.

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If you received a postcard regarding the Madyda v. BMV case, it is because you are one of the people who paid a fee to have your driver’s licensed laminated by a deputy registrar between 2018 and 2020, even though the deputy registrars were not performing the service.

That makes you a member of the class of plaintiffs in the lawsuit DannLaw has filed against the BMV and the state of Ohio. If you would like to remain in the class and receive a portion of any funds or other compensation we recover on behalf of the plaintiffs you do not need to do anything. If you prefer to bring your own claim against the BMV, the postcard contains instructions for opting out.

Again, you do not need to do anything if you want to continue to be a member of the class. DannLaw will provide regular updates as the case proceeds.

Here is a detailed description of the case:

DannLaw files class action suit against Ohio Bureau of Motor vehicles to recover $3 million in bogus fees charged by deputy registrars

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Since July 2, 2018, the Ohio Bureau of Motor Vehicles (BMV) has allowed the state’s 200 deputy registrars to charge people obtaining or renewing driver’s licenses or state-issued I.D.s a $1.50 lamination fee even though the registrars were no longer producing—or laminating—the cards on site. As a result, an estimated two million Ohioans have been charged $3 million for a service that was not performed.

Catherine Turcer, executive director of Common Cause Ohio, told the Columbus Dispatch the registrars should not be pocketing the fee. “Clearly, the registrars should not be charging for something they are not providing … that’s not fair. Many of us don’t think about a buck fifty, it’s not a big deal. But it is a big deal when you think about being charged extra fees for no reason. We want to spend our money on what we expected.”

Attorney Marc Dann, founder of the Cleveland-based consumer protection law firm DannLaw agrees with Ms. Turcer. And, if the messages that have been pouring into the firm’s Facebook page are any indication, so do people who paid the bogus fee. “We posted an item on our Facebook page asking anyone who has renewed their license or state I.D. since last July to contact us,” the former Ohio attorney general said. “The response was overwhelming. Those who paid the fee were outraged. They want their money back and they want the state to stop ripping people off.”

Today the legal team at DannLaw took the first step toward recovering the unwarranted fees by filing a class action suit against the BMV in the Ohio Court of Claims. The suit asks the Court to award anyone who paid the lamination fee $1.50 plus interest. The complaint may be read/downloaded here:Madyda Alexander 2019 03 19 Complaint – Lamination Fee INITIAL DRAFT (002)

“While the dollar amount on a per-person basis may be small, there’s nothing trivial about the BMV allowing the registrars to pocket $3 million for doing nothing,” Atty. Dann said. “If everyone shrugs their shoulders and says ‘it’s only a buck fifty’ does that mean it’s ok for the state to grab five dollars or ten dollars from its citizens? Where do you draw the line? At its core, this case isn’t about the $1.50, it’s about holding government officials accountable for their actions. That’s the best way to ensure that something like this doesn’t happen again.”

According to Atty. Joe Romano of Bay Village, Ohio who is serving as co-counsel on the case the overcharges stem from the fact that in order to comply with federal regulations the BMV itself rather than the registrars began producing and mailing the licenses and I.D. cards last July. “Apparently, and this is something we hope to learn more about as the case progresses, neither the deputy registrars nor the staff at the BMV noticed that people were still being charged the $1.50 lamination fee even though the registrars weren’t laminating a darn thing,” he said.

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DannLaw founder Marc DannAs most of you know, the next hearing in the supplemental unemployment benefit case is scheduled for Tuesday, January 24, 2022 before Franklin County Common Pleas Court Judge Michael Holbrook. If you are interested in attending the hearing it will be conducted in Courtroom 5B in the Franklin County Courthouse which is located at 345 High Street in Columbus. The hearing may also be viewed via a live stream here: https://www.fccourts.org/480/Live-Stream

As the day approaches, I want to commend the extremely talented attorneys who have from Day One been totally engaged in the battle to force Governor DeWine to do the right thing by     reversing his decision to deny tens of thousands of Ohioans the fully federally funded unemployment benefits they deserve and desperately need. Please join me in thanking Brian Flick of DannLaw, Andrew Engel of Advocate Attorneys, LLP, and Thomas A. Zimmerman, Jr. and Matthew C. De Re of the Zimmerman Law Offices. Absent their hard work and dedication this fight would have been lost long ago.

I also wanted to share the consolidated class action complaint we have filed. You may view it here: Bowling Candy 2023 01 02 TS Consolidated Class Complaint. I invite everyone to read the entire document. For those who would just like to cut to the chase I have pulled out what in legal terms is called our “Prayer for Relief,” and also provided a plain English summary.

In Plain English we demand:

  • That the named plaintiffs, Candy Bowling Candy, Shawnee Huff, James Parker, Sarah Russell, Sebastian Nash, and Zachary Dunn represent all the people Governor DeWine screwed over by callously and unjustly cutting off the benefits;
  • That DeWine did not follow the law which requires him to secure all available federal unemployment benefits for the people he is supposed to represent:
  • That the Court order DeWine to retroactively provide Federal Pandemic Unemployment Compensation (FPUC) program to plaintiffs and the members of the class;
  • That the Court order the governor and the state to immediately reinstate Ohio’s participation in all federal unemployment Benefit Programs;
  • That the state pays the attorney’s fees associated with bringing and pursuing the case;
  • That the judge does whatever else he believes are necessary to right the grievous wrong that has been done to so many Ohioans.

To boil it down even more we’re saying these are the people who were hurt, they shouldn’t have been, now give them the money.

If you prefer all of it in legalese read below. If you stop here, please know that we appreciate your support and your kind words. Your energy and commitment to fighting for what’s right has fueled our campaign for justice.

Wish us luck on the 24th, and of course we will provide updates after the hearing.

Legalese version of the Prayer for Relief:

Plaintiffs, individually, and on behalf of the Class, pray for an Order as follows: A. Finding that this action satisfies the prerequisites for maintenance as a class action and certifying the Class defined herein;

  1. Designating Plaintiffs as representatives of the Class and their undersigned counsel as Class Counsel;
  2. Entering judgment in favor of Plaintiffs and the Class and against Defendants;
  3. Declaring that (1) pursuant to O.R.C. § 4141.43(I), Defendants must secure all possible federal unemployment benefits available to unemployed Ohioans, (2) Defendants violated their statutory duties under O.R.C. § 4141.43(I) by prematurely terminating Ohio’s participation in FPUC benefits as of the week of June 26, 2021, and (3) Defendants’ continued failure and refusal to secure all available advantages on behalf of Ohio and Franklin County Ohio Clerk of Courts of the Common Pleas- 2023 Jan 02 2:11 PM-21CV004469 23 Ohio citizens, such as the FPUC benefits, is in derogation of Defendants’ constitutional powers and violates their clear statutory duties;
  4. Mandatorily enjoining and ordering Governor DeWine and Director Damschroder, in their official capacities, ODJFS, and Defendants’ officers, employees, and agents, all persons acting in concert or participation with any Defendant, or under any Defendant’s supervision, direction, or control to reinstate Ohio’s participation in FPUC, and use Ohio’s share of the Remaining Funds to retroactively provide the FPUC benefits to Plaintiffs and Class members;
  5. Ordering—pursuant to O.R.C. § 2731.01, et seq.—Governor DeWine and Director Damschroder, on behalf of the State of Ohio, to take all actions necessary to immediately reinstate Ohio’s participation in all federal unemployment Benefit Programs available from the United States Department of Labor, including restoring FPUC benefits to the State of Ohio, as is required by O.R.C. § 4141.43(I), or, in the alternative, promptly pay FPUC benefits due to Plaintiffs and Class members for the period beginning on June 26, 2021 through September 6, 2021, as is required by O.R.C. § 4141.28(I);
  6. Awarding Plaintiffs and the Class attorneys’ fees and costs, including interest thereon, as allowed or required by law;
  7. Granting all such further and other relief as this Court deems just and appropriate.

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DannLaw founder Marc DannWhile the $3.7 billion settlement between Wells Fargo and the Consumer Financial Protection Bureau is welcome news, it doesn’t resolve all the issues surrounding the bank’s bad behavior–a point made by CFPB Director Rohit Chopra who noted that Wells’ rinse-repeat cycle of violating the law has harmed millions of American families.” He also said the company is a serial offender that puts one third of American households at risk of harm and that finding permanent resolution to this bank’s pattern of unlawful behavior is a top priority.
As most of you know, holding Wells accountable is also a top priority for DannLaw. We successfully represented clients in a class action suit related to the same issues outlined in the CFPB order and we are currently pursuing cases in California and New Jersey.
In addition, we continue to recieve calls and emails from homeowners who are involved in home mortgage disputes with Wells. If Wells is your lender or servicer and you believe you are being abused by the bank please contact DannLaw today by calling Lisa at 216-250-4012, emailing intake@dannlaw.com, or visiting https://dannlaw.com/contact/ to schedule a no-cost consultation that will enable us to determine if you are entitled to financial compensation.
Under the terms of the agreement with the CFPB Wells will provide $2 billion in compensation to consumers for engaging in the following activities:
• Unlawfully repossessing vehicles and bungling borrower accounts: Wells Fargo had systematic failures in its servicing of automobile loans that resulted in $1.3 billion in harm across more than 11 million accounts.
• Improperly denying mortgage modifications: During at least a seven-year period, the bank improperly denied thousands of mortgage loan modifications, which in some cases led to Wells Fargo customers losing their homes to wrongful foreclosures.
• Illegally charging surprise overdraft fees: For years, Wells Fargo unfairly charged surprise overdraft fees – fees charged even though consumers had enough money in their account to cover the transaction at the time the bank authorized it.
• Unlawfully freezing consumer accounts and mispresenting fee waivers: Customers affected by these account freezes were unable to access any of their money in accounts at the bank for an average of at least two weeks.
The terms of the agreement require Wells to contact its victims. Eligible consumers don’t have to take any action.
We wish we could say we believe Wells will now clean up its act. But we don’t. We know the bank is taking advantage of homeowner and consumers every day. If you are one of them, please contact DannLaw today wo we can protect your rights, your family and fight for the compensation you deserve.

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DannLaw founder Marc DannAs the November 8 General Election approaches, I wanted to take a moment to share some thoughts and recommendations with DannLaw’s clients and the thousands of people who follow us on social media. I’m taking this unusual step because, as the events of the past year have clearly demonstrated, elections absolutely do have consequences for consumers, homeowners, and working families.

I know we live in a highly charged political environment. I’m basing these recommendations soley on the the importance of the office and the positive impact that I believe these candidates will make on consumers and consumer protection laws. It is not my intent to incite partisan bickering—you’ll notice there are both Republicans and Democrats on my list.

I’m planning on splitting my ticket this election and voting for the best candidate regardless of party. We simply must stop treating politics like a team sport. You can root for the Browns or Bengals even if you think they aren’t the best team. But in politics it’s time for everyone to stop putting party above country. I hope you’ll consider approaching Tuesday’s election the same way.

Our ongoing fight to restore federally funded supplemental unemployment insurance benefits desperately needed by tens of thousands of Ohioans heavily influenced my recommendations in statewide races. As most of you know, Governor Mike DeWine unilaterally, callously, and we believe illegally, cut off the payments in May of 2021. Attorney General David Yost has carried on the battle against us despite repeatedly losing in court and the outcome of the case will ultimately be determined by the Ohio Supreme Court.

DeWine, Yost, and three Supreme Court justices who were openly hostile to our arguments are on the ballot this year which gives you and every Ohioan the opportunity to send them a clear message about the way they have dealt with this and many other important issues.

At the federal level the Consumer Finance Protection Bureau (CFPB) which had become a toothless tiger under the previous administration, is once again protecting consumers and homeowners and other regulators are once again fighting fraud and abuse by big banks, credit card companies, and debt collectors, and judges who will interpret the law fairly are being appointed to the bench.

The contrast could not be clearer or the stakes higher. We need to vote for leaders who will fundamentally change Ohio while supporting the candidates who will continue the progress that is being made in D.C. I believe the following candidates will help us achieve those goals:

Brian Flick for 62nd District, Ohio House of Representatives

I would eagerly and enthusiastically endorse Brian even if he were not the managing partner of DannLaw’s Cincinnati office. He is a fierce and effective advocate for consumers, has helped hundreds of families save their homes from foreclosure, fought for people who have been victimized by debt collectors, banks, and payday lenders, and played an instrumental role in the unemployment benefit case.

I know Brian will be an outstanding state representative who will tirelessly advocate for women’s, human, civil, and worker’s rights, battle corruption, and work to improve public education. He has earned and deserves your support.

Tim Ryan for U.S. Senate

My relationship with Tim stretches back decades—to the time he defeated me in Democratic primary for the 32nd District seat in the Ohio State Senate. I know and trust him, and I admire the tireless battle he has waged on behalf of working families, organized labor, and consumers in both the state legislature and Congress. We can count on Tim to be a strong advocate for Consumers and a member of the Senate who has the courage to stand up to Wall Street Banks and other financial predators.

Most importantly Tim has based his campaign on his determination to put country above party. I know him well enough to tell you that I believe him.

 

Jeff Crossman for Ohio Attorney General

I know as well as anyone how important the office of Attorney General is to protecting Consumers in Ohio. Jeff Crossman grew up working class and he is passionately committed to standing up for Ohio Consumers and taxpayers without being restrained by his allegiance to corporate lobbyists like the current Attorney General David Yost.

 

 

Jennifer Brunner for Chief Justice and Teri Jamison and Marilyn Zayas for Associate Justice, Ohio Supreme Court

Anyone who reads the opinions written and rulings made by the six jurists who are vying for three seats on the Ohio Supreme Court will conclude that Jennifer Brunner, Teri Jamison, and Marilyn Zayas are clearly the best choice for these important posts. Both Justice Brunner and Judge Jamison, who serves on the Tenth District Court of Appeals, have made favorable rulings in the UI case and they, along with Judge Zayas have established a long record of ensuring that “equal justice under law” is more than a slogan. Consumers will be better served by Brunner, Jamison and Zayas.

Joan Synenberg, Judge, Cuyahoga County Common Pleas Court

In its endorsement editorial of Republican Judge Joan Synenberg, Cleveland.com noted the following:

“Should you ever be unlucky enough to find yourself in a Cuyahoga County Common Pleas courtroom as a defendant, the judge you would want before you is Joan Synenberg, who is standing for re-election Nov. 8 with 16 years on the bench behind her.

Not because she is a pushover when it comes to sentencing, but because the quality that has marked her career is a longstanding and passionate concern about what comes afterward for the people whose future she often holds in her hands.”

I absolutely and totally concur and urge the residents of Cuyahoga County to support her.

State Representatives Scott Oelslager and Brett Hillyer

Representatives Oelslager and Hillyer are both Republicans who have opposed anti-consumer legislation in the Ohio General Assembly and both supported expanding the Residential Mortgage Loan Act to include mortgage loan servicers.

I also ask residents of Lakewood and Cleveland to vote for State Senator Nickie Antonio and Representative Mike Skindell who have always championed consumer and working class families.

Those are my recommendations. Here is some useful information about the voting process:

November 8 is election day. The polls will open at 6:30 AM to 7:30 PM. If you are in line to vote at or before 7:30 you will be permitted to cast your ballot.

If you do not know the location of your polling place you may look it up here: www.sos.state.oh.us/elections/voters/toolkit/polling-location/

If you want to take a look at and study the ballot for your precinct in advance—something I always do—you may access it here: www.sos.state.oh.us/elections/voters/toolkit/sample-ballot/

Don’t want to wait until the 8th to cast your ballot? You may vote early in person at your local Board of Elections (BOE) at these times:

Friday, November 4 from 8:00 AM to 7:00 PM

Saturday, November 5 from 8:00 AM to 4:00 PM

Sunday, November 6 from 1:00 PM to 5:00 PM

Monday, November 7 from 8:00 AM to 2:00 PM.

Follow this link to locate the BOE office in your county: https://www.ohiosos.gov/elections/voters/toolkit/early-voting/

If you have an absentee ballot but did not return it, it must be postmarked no later than Monday, November 7. If not returned by mail, ballots must be received by the BOE by 7:30 PM on Tuesday, November 8. You may deposit your ballot in the drop box located outside the BOE or bring it into the office.

Under Ohio law you must have a valid form for identification to vote. Acceptable forms include photo IDs issued by the federal or state government, bank statements, and utility bills. A complete list is available here: www.sos.state.oh.us/elections/voters/id-requirements/

Now that you know who to vote for and how to cast your ballot, I will leave you with this:

Decision are made by those who show up.

So please, show up.

Thanks,

Marc

 

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The End of Covid Forbearance is here. Time to rework your loan. 

DannLaw founder Marc DannMortgage forbearance and other programs made available to homeowners during the COVID-19 pandemic are about to end. That means millions of homeowners are or will soon be pursuing loan modifications or other work out options with their lenders. Karen Ortiz, Roberto Rivera, and DannLaw’s highly experienced and knowledgeable legal staff are here to help families navigate the complicated process and select the payment structure that best meets their needs. Please contact us to arrange a no-cost, no-obligation consultation by calling 216-373-0539 or completing our contact form.

Changes at DannLaw

We are sad to announce that Attorney Whitney Horton is leaving DannLaw after being a valuable member of our team for more than seven years. If Whitney has been working on your case, a notice of substitution of counsel will be filed in the next few weeks. Whitney Kaster, who was at DannLaw before the pandemic is returning to the firm on Monday April 24. Attorney Kaster will work me and Emily White on foreclosure defense matters and with Brian Flick on Consumer Protection cases.  In addition, Amanda Severt who has been our administrative assistant has been promoted and will now work as a paralegal assigned to foreclosure cases and state court litigation.

 Student Loan Changes

The U.S. Department of Education is making changes to the Income Based Repayment program for Federal Student Loans that should enable lower income borrowers to fulfill their obligations faster and qualify for Public Service or other Loan forgiveness programs sooner. You may read about the changes here. Richard Cordray who served as Ohio Treasurer and AG before being named the first director of the Consumer Financial Protection Bureau and is now in charge of Student Loan Issues at the DOE drafted and implemented these significant improvements.  

Foreclosures Are Ramping Up 

Along with forbearance and other relief programs, foreclosure stays are ending.  That means hundreds and perhaps thousands of new judicial foreclosure actions will be filed in Ohio, New Jersey and other states. We have the experience, expertise, and knowledge needed to save your home.

Remember this important point: The filing of a foreclosure lawsuit is the beginning, not the end of the process. Please reach out to DannLaw or another attorney as soon as you know a foreclosure action has been filed against you. If you’ve been served with a foreclosure complaint you have a short time–28 Days in Ohio–to retain a lawyer and file an answer. The vast majority of people who retain us because they want to stay in their home are able to do exactly that.

In addition to defending the foreclosure action, we conduct a thorough investigation to determine if your mortgage loan servicer has followed all applicable rules and laws that govern mortgage lending. If we discover violations, we can bring and pursue claims against the mortgage company. Our foreclosure clients pay an affordable monthly payment into our trust account to cover the fees that we earn in their cases. We offer a free consultation. If you or anyone you know has been sued for foreclosure please contact us here, or call us at 216-373-0539. To schedule an appointment with me visit calendly.com/mdann.

 Regulation F Changes the Game for Debt Collectors and Consumers 

 The CFPB has enacted new strict rules that govern the manner in which debt collectors may contact you by mail, email, text, telephone or social media. You can read about the new regs here. In addition, Credit Reporting Agencies will no longer report most medical debt. This should help consumers improve their credit score. If you believe a debt collector has made a misrepresentation to you or contacted you by phone, letter, text, or email at an inappropriate time you may be entitled to financial compensation. Please feel free to contact us to discuss your situation.

 Data Breach Cases

Multiple courts have selected DannLaw to serve as Class Counsel in data breach Cases. A data breach occurs when a company fails to properly safeguard its customers’ personal information. Our legal staff devotes considerable time and resources to pursuing and securing just compensation for the inconvenience, expense, and aggravation data breach victims endure.

I have a new perspective on that today. I’ve been ensnared in multiple data breaches. Someone obtained my personal information and “took over” my bank account. I’ve spent 20 hours sorting out payments, ACHs and was forced to visit my bank three times. I have a renewed passion to ensure that companies who allow breaches to occur are held accountable for their actions.  If you are notified that your information is at risk due to a breach, contact us immediately so we can take all available legal steps to secure just compensation for you and other data breach victims.