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Tables of Contents for Complete Guide to Credit and Collection Law
Chapter/Section Title
Page #
Page Count
An Explanation of Legal Terminology in a Collection Case
1
33
Jurisdiction of the Court
2
1
Selection of Jurisdiction
2
1
Long Arm Jurisdiction
3
1
Attachment
4
1
Proper Name of Defendant
4
1
Commencing a Suit
5
2
Answers or Demurrers
7
1
Counterclaim
8
1
Response or Reply to Counterclaim
8
1
Cross Claim
9
1
Compulsory Arbitration
9
1
Discovery Proceedings
9
2
Adjournments
11
1
Motions and Applications
11
2
Stipulations
13
1
Conference
13
1
Settlement Negotiations
13
3
Stipulation of Settlement
16
1
Court Procedures
16
1
Trial Preparation
17
1
Trial
17
1
Judgment
18
1
Confession of Judgment
18
1
Damages
19
1
Enforcement and Collection of a Judgment
20
4
Arbitration
24
1
Satisfaction of Judgment
25
1
General Release
25
1
Subordination Agreement
26
1
Guidelines for Testimony at Deposition
26
1
Guidelines for Testimony at Trial
27
1
Demeanor
28
1
Suggestions as to Testimony
29
1
Conduct
29
1
Fatigue
29
1
Down the Garden Path
30
1
Special Testimony
31
1
Telephone Conversations
31
1
Mailing a Letter
32
1
Conclusion
32
1
Legal Concepts of Business
33
22
An Individual in Business
33
1
Partnership
34
1
Corporation
35
1
Limited Liability Company
36
1
Business Trust
37
1
Principal-Agent Relationship
38
1
Relying on Apparent Authority
39
1
Contracts
40
2
Mistakes in Contract
42
1
Statute of Frauds
43
2
Terms of Contract Offers
45
1
Good Faith Contract
46
1
Usury
47
1
Exculpatory Clause
48
1
Liquidated Damage Clause
49
1
Bailments
49
1
Consignment
50
1
Establishing a Power of Attorney
51
1
General Intangibles
51
1
The Uniform Commercial Code
52
2
Excerpts From Illinois Law Statutes of Frauds
54
1
Legal Remedies for Business Creditors
55
92
Assignment For The Benefit of Creditors
55
3
Attachment
58
1
Bulk Sales
59
2
Sale of Debtor's Assets
61
2
Sale of Assets by Lender
63
1
New Owner
64
2
Receivership
66
1
Discovery of Insolvency
67
1
Mechanics Lien
67
1
Mechanics Lien---Hazardous Waste Removal
68
1
Garage Lien
69
2
Warehouse Lien
71
1
Piercing the Corporate Veil
72
1
Uniform Fraudulent Transfer Act
73
1
Liquor Licenses
74
1
Corporate Signature
75
1
Contacting Debtor At Home
76
1
Uniform Commercial Code Section 2
77
38
Uniform Fraudulent Transfer Act
115
7
Assignment for the Benefit of Creditors---Tennessee
122
5
Warehouse Receipts, Bills of Lading and Other Documents of Title
127
7
Mortgages, Conditional Sales and Pledges of Personal Properties and Liens---Massachusetts
134
2
Liens on Personal Property---New York
136
2
Bulk Sales Law of California
138
5
Excerpts From Texas Mechanics Lien Law
143
3
Seller's Remedies on Discovery of Buyer's Insolvency
146
1
Legal Issues of Consumers
147
50
Exemptions
147
5
Florida Exemption
152
1
Credit Practices Act
153
1
Garnishment and Exemption
154
2
Direct Deposit and Garnishment
156
1
Welfare Recipients
156
1
Social Security
156
1
Responsibility of Parents
157
2
Husbands and Wives
159
1
Jointly Held Property
160
2
Community Property
162
1
Divorces
162
1
Deceased Persons
163
3
Credit Cards
166
3
Merchant Agreement
169
1
Charge Backs
169
1
Soldiers and Sailors Civil Relief Act
169
1
Federal Garnishment
170
1
Rent to Own Transactions
171
1
Gambling Debts
171
1
Totten Trust
172
1
Use of Credit Card by Collection Agencies
173
1
Witness Protection Program
174
1
Summary of State Laws Governing Claims Against Estates
175
14
Exempt Property Excerpts---New York
189
3
Credit Practices Amendment
192
4
Excerpts from Exemption Law of State of Florida
196
1
Bankruptcy
197
56
Who May File
197
1
Voluntary Petition
197
1
Involuntary Petition
198
1
U. S. Trustee
199
1
Chapters of the Bankruptcy Act
199
2
Cramdown
201
1
Residence Mortgages
202
1
Creditor Committee
202
2
Chapter 13---Wage Earner
204
1
Bankruptcy Notice
205
2
Completing A Proof of Claim
207
2
Late Proof of Claim
209
1
First Meeting of Creditors
209
2
Bankruptcy Schedules
211
1
Exemptions
211
1
Jurisdiction
212
1
Automatic Stay
212
1
Reaffirmation
213
2
Voluntary Payments
215
1
Reaffirmation---Letter to the Debtor
216
1
Dismissal of a Bankruptcy
217
1
Preferences
218
1
Insider Preferences
219
1
Objection to Discharge
219
1
Time Limitation to File Objection
220
1
Nondischargeable Debts
220
3
Student Loans
223
1
Return of Goods
224
1
Monitoring Lien in Bankruptcy
224
1
Valuation of Security
225
1
Right of Set-Off
226
2
Using Credit Cards for Luxury Goods
228
1
Substantial Abuse
229
1
Extending Credit to the Bankrupt
230
2
Instructions for Filing a Proof of Claim
232
2
A Proof of Claim
234
2
Stay of Action Against Co-Debtor
236
1
Automatic Stay
237
5
Discharge
242
3
Preferences
245
4
Reaffirmation Agreement
249
2
Chapter 13 Notice
251
2
Law Firms And Collection Agencies
253
36
Selection of an Attorney or Agency
253
5
Licensing
258
1
Trade Associations
259
1
Advantages of Attorneys and Collection Agencies
260
2
Agreements with Law Firms or Agencies
262
1
Withdrawal of Claim
263
1
Referral to Attorneys
264
1
Suit Fees
265
1
Court Costs
266
1
Contingent Fees
266
1
Collection of Debt by Creditor
267
1
Depositing or Mailing Checks
267
1
Escrow Accounts
268
1
Assignment of Claim
268
1
Unmatched Payments
269
1
One or Two Collection Agencies or Attorneys?
269
1
Testing
269
1
Portfolio Purchases
270
1
International Collections
271
2
Champerty and Maintenance
273
1
New Jersey Collection Agency Law
274
2
Examples of Referral Lists of Attorneys Handling Commercial and Consumer Claims
276
2
Attorney / Client Agreement
278
2
Statute of Limitations, Collection Agency Bonding and Licensing, And Garnishment Exemption State-By-State
280
9
Checks, Notes And Guarantees
289
38
Bounced Checks---Criminal Intent
289
2
Liability for Issuing a Bad Check
291
1
Collecting Bad Check Charges
291
3
Post-Dated Checks
294
1
Stop Payment
295
1
Stale Check
296
1
Certified Checks and Cashier's Checks
297
1
Unsigned Check
298
1
Interest and Usury
298
3
Negotiable Instruments
301
2
Promissory Notes
303
1
Trade Acceptance
304
1
Guarantees
304
1
Elements of Guarantees
305
2
Fraud
307
1
Bank Guarantees
307
3
Defenses Available to Guarantor
310
1
Impairment of Capital
311
1
Unclaimed Property
312
1
Liability on Signing Checks
312
1
Attachment of Checking Accounts
313
1
Paid-in-Full Checks
313
2
Statute of Limitations
315
2
Dishonored Check---Demand for Payment and Liquidated Damages---New York
317
3
Example of a Promissory Note---Variable Interest
320
2
Example of Guarantee of Financial Institution
322
5
Repossession of Property
327
28
Uniform Commercial Code
327
1
Leases and Security Interests
328
1
Repossession and Termination of Lease
329
1
Security Deposits
329
1
Late Payments---Repossession
330
1
Right to Cure Default
331
1
Waiver
332
1
Violation by Secured Party
332
1
Statute of Limitations
332
1
Peaceful Possession
332
1
Breach of Peace
333
1
Threat to Repossess
334
1
Police Officer
334
1
Notice
335
1
Soldiers and Sailors Act
335
1
Replevin
335
1
Property Taken with Repossession
336
1
Bankruptcy
336
2
Reaffirmation
338
1
Third-Party Lines
338
1
Redemption
339
1
Sale of Property
339
1
Strict Foreclosure
340
1
Commercially Reasonable Sale
340
1
Deficiency Actions
341
1
Ship Mortgage Act
342
1
Liability of Creditors
342
1
Duty to Repossess
343
2
Ship Mortgage Act
345
9
Retailer Installment Sales, Repossession Defenses---Ohio
354
1
Harassment, Intimidation and Invasion of Privacy
355
13
Harassment Under the Debt Collection Practices Act
356
2
Willful Act
358
1
Contact with Third Party
358
1
Invasion of Privacy
359
1
Reckless Negligence
359
1
Abuse of Process
360
1
Malicious Prosecution
360
2
Distinction Between Abuse of Process and Malicious Prosecution
362
1
Defamation
363
1
Standards
363
1
Mason v. Lee Discount Center, 639 S. W. 2D 836 (1982)
364
2
Mitchell v. Surety Acceptance Corp., 838 F. Supp. 487 (1993)
366
2
Secured Lending: Mortgages and Security Interests
368
114
Mortgages
369
1
Recording
369
1
Title Search
370
1
Assignment of Mortgage
371
1
Judgment
371
1
Sale By Mortgagor
371
1
Mortgagor's Obligations
372
1
Usury
372
1
Future Advances
372
1
Equitable Mortgage
372
1
Real Estate Settlement Procedures Act
373
1
Foreclosure
374
2
Acceleration
376
1
Notice
376
1
Subordinate Claimants
376
1
Tenants
376
1
Suit on Debt
377
1
Personal Service
377
1
Answer
377
1
Referee's Report
378
1
Judgment
378
1
Sale
378
1
Title At Sale
378
1
Surplus Money Proceedings
378
1
Deficiency
379
1
Right to Redemption
379
1
Foreclosure Fact Sheet
379
1
Uniform Commercial Code
380
1
Financing Statement
380
1
Contents of Financing Statement
381
1
Duration
382
1
Continuation Statement
383
1
Security Interests
383
1
Security Agreement
384
1
Writing Requirement
385
1
Description of Property
386
1
Signatures
387
1
Errors in Filing
387
1
After-Acquired and Exchanged Property
388
1
Pledge
388
1
Assignment of Security Agreement
388
1
Priorities
388
1
Automatic Perfection
389
1
Goods in Transit
390
1
Leases
391
2
Liability of Lessor
393
1
Leasing Legislation
393
1
Cooperative and Condominium
394
1
Security Interest Copyright
395
1
General Intangibles
395
1
When Title Passes
396
1
Revision of UCC Article 9
397
3
Uniform Commercial Code: Section 9
400
34
Consumer Credit Protection Act, Consumer Credit Cost Disclosure on Consumer Leases
434
5
Consumer Leasing
439
16
Foreclosure Fact Sheet
455
13
Comparison of a Security Agreement Under Current Article 9 and the Draft New Article 9
468
14
Fair Debt Collection Practices Act
482
98
Creditor Compliance
483
2
Attorney Coverage
485
1
Commentary
486
1
Findings and Purpose
487
1
Definitions
487
1
Consumer Debt
487
1
Business Debt
488
1
Attorneys
488
1
Location Information
489
2
Contacting Creditors to File Bankruptcy
491
1
Communication with Consumers and Third Parties
491
5
Ceasing Communications
496
1
Harassment and Abuse
496
2
False or Misleading Representations
498
5
Attorney's Letterhead
503
5
Facsimile Signature---Mass Mailings
508
3
Unfair Practices
511
4
Validation of Debt
515
4
Multiple Debts
519
1
Legal Action by Debt Collectors
520
1
Right of Assignment
520
1
Pro Se Plaintiffs
520
1
Deceptive Forms
520
3
Damages
523
1
Bona Fide Error
523
1
Attorney Fees
523
2
Class Actions
525
2
Net Worth
527
1
Offer of Judgment
527
1
Transfer of Loan Portfolios
528
1
Eviction Notice
528
1
Recommended Letter
529
1
Registration of Attorneys
530
2
Licensing
532
1
Don't Kill the Messenger
533
1
Affiliated Company Liability
533
2
Fair Debt Collection Practices Act
535
14
Staff Commentary---The Fair Debt Collection Practices Act
549
31
Truth in Lending Regulation Z
580
71
Definitions
581
1
Exemptions
582
1
Finance Charges
583
1
Charges Not Considered Finance Charges
584
1
Annual Percentage Rate (APR)
585
1
Open-End Credit
586
1
Initial Disclosures
586
2
Periodic Statements
588
1
Sale Credit
588
1
Billing Rights
589
1
Change in Terms
589
1
Credit Balances
589
1
Disclosure on Renewal
589
1
Right to Rescind
589
2
Closed-End Credit
591
1
Segregation of Disclosure
591
1
Timing of Disclosure
592
1
Entitled to Disclosure
592
1
Payment Schedule
593
1
Late Payment Charges
593
1
Security Interest
593
1
Insurance
593
1
Advertisement
594
1
Record Retention
595
1
Consumer Lease
595
1
Arbitration
595
1
Criminal Liability
596
1
State Law
596
1
Home Equity
597
1
Interest and Costs
597
1
Legislation
597
1
Comment
597
1
Bibliography
598
1
Truth in Lending Act
599
52
Equal Credit Opportunity Act
651
64
Race, Color, Religion and National Origin
652
1
Sex
652
1
Childbearing
652
1
Age and Public Assistance
653
1
Credit Application
653
1
Spouse or Former Spouse
653
1
Spouse As Guarantor
654
1
Recoupment---Spouse
654
2
Joint Applicants
656
1
Adverse Action
656
1
Furnishing of Credit Information
657
1
Retention of Records
657
1
Enforcement and Penalties
657
1
Legislation
658
1
Comment
658
1
Equal Credit Opportunity Act
659
47
Amendments to Regulation B and the Equal Credit Opportunity Act
706
9
Fair Credit Reporting Act
715
52
Consumer Report
716
1
Consumer Reporting Agency
716
1
Permissible Purposes of A Consumer Report
717
1
Record Keeping
718
1
Credit Reports on Business
718
1
Investigative Reports
718
1
Obsolete Information
719
1
Pre-Screening
720
1
Compliance Procedures
720
1
Disclosure to Consumer
721
1
Amendment to Fair Credit Reporting Act
722
4
Consumer Reports
726
1
Federal Trade Commission Booklets
727
1
Fair Credit Reporting Act
728
39
Fair Credit Billing
767
15
Consumer Action
768
1
Notification
768
1
Moratorium on Collection Activity
769
1
Failure to Comply
769
1
Consumer Defense
769
1
Finance Charges
770
1
Credit Balance
770
1
Cash Discounts
771
1
Unauthorized Use of a Credit Card
771
1
Consumer's Statements
771
1
Prompt Posting
771
1
Seller Obligation
772
1
Offsets
772
1
Unmatched Funds
772
1
Bibliography
772
1
Fair Credit Billing Act
773
9
Skiptracing
782
10
Application
782
1
Telephone Directory
782
1
Criss-Cross Telephone Directory
783
1
Data Bases
783
1
U. S. Postal Service
784
1
Returned Mail
784
1
Court Records
784
1
Landlord
785
1
Property Owners
785
1
Voter Registration
785
1
Motor Vehicles Searches
785
1
License Business
786
1
Union Memberships
786
1
Secretary of State
786
1
Governmental Agencies
786
1
Military Service
787
1
Recordings
787
1
Bankruptcy Petitions
787
1
Central Office Vital Statistics
787
1
Better Business Bureau
787
1
Estates
788
1
Mortgages
788
1
City Records
788
1
Credit Reporting Agencies
788
1
Social Security Number
788
1
Former Employees
789
1
Remedies After Judgment
789
1
Examples of Major Data Bases
790
1
Social Security Numbers by State
791
1
Index
792