Foreclosure Notice and judge gavel Mar 29

Wrongful Foreclosures On The Rise

Treinen Law Office PC has noticed an alarming trend in the mortgage-service industry, a trend that causes stress, frustration and crisis in families and rattles the trust that we as consumers give so freely to financial institutions. Throughout New Mexico, mortgage servicers sometimes incorrectly account for borrowers’ payments, causing the servicer to foreclose on the […]

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Credit Report, History and Score Text Image Mar 29

Part III – Why Credit Reporting Agencies And Creditors Often Get It Wrong

The Fair Credit Reporting Act (FCRA) requires credit reporting agencies (CRAs) and the businesses that report to these CRAs to conduct an investigation if a consumer disputes something on his or her credit report. Under the law, the investigation must be a reasonable investigation. Problems arise because the investigations are often cursory. Even more significantly, […]

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Credit Report, History and Score Text Image Mar 29

Part II – Disputing Your Credit Report

In Part I of our blog series on the FCRA (see the blog post immediately below), we discussed the importance of credit reports and detailed how to go about receiving a free credit report from each of “The Big 3” consumer reporting agencies (CRAs): Experian, Equifax and TransUnion. In Part II, we are going to […]

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Credit Report, History and Score Text Image Mar 29

Part I – Intro Into The Fair Reporting Credit Act (FRCA): The Importance Of Keeping Tabs On Your Credit

These days your credit score is absolutely essential to obtain the money you need to finance life’s necessities: a car, a home, a credit card, a personal or business loan, etc. Sometimes a person’s job even depends on their credit score. Credit scores are primarily based on your credit report, and the credit report or […]

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Cartoon Man Climbing on legal documents towards Justice Scale Mar 29

New Mexico Will Not Enforce One-Sided Arbitration Agreements

Arbitration agreements in contracts today have become ubiquitous. It’s difficult to find a contract that doesn’t have one: cell phone agreements, credit cards, car sales, you name it. Most consumers don’t even realize that they’ve agreed to arbitration when they sign a contract or simply do business with a company. Even if the consumer realizes […]

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Cartoon Man Climbing on legal documents towards Justice Scale Mar 29

New York Times Three-Part Series on Arbitration: Beware Of The Fine Print

Check out this fascinating three-part series recently released by the New York Times on the effects of arbitration on our nation’s justice system: Part I Part II Part III [back]

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Foreclosure Notice and judge gavel Mar 29

New Mexico Court of Appeals Holds Bank Accountable For Ripping Off Borrowers

In Dollens v. Wells Fargo Bank, the New Mexico Court of Appeals held that banks and other mortgage servicers will not be allowed to get away with treating consumers unfairly. The Court held that banks and servicers can be subject to punitive damages when they fail to apply payments as required or assess bogus charges […]

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Used Car Salesman Mar 29

Unscrupulous New Mexico Car Dealers Often Fail To Disclose Prior Wreck Damage

Treinen Law Office has lots of experience handling lawsuits against New Mexico car dealers, with our attorneys having handled over 200 such lawsuits in the last twenty years. Over the years, we have gained vast experience with the tricks and traps commonly used by unscrupulous dealers. Our attorneys have represented consumers against more than 50 […]

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Incorrect crossed out Mar 29

Credit Reporting Run Wild

Did you know that employers and insurance companies are more and more looking at your credit report before deciding whether to hire you or provide you insurance?  Credit reporting continues to expand into areas that surprise most people.  This trend, of course, makes it all the more important that your credit report be free of […]

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Cartoon man carrying the word Debt on his shoulders Mar 29

Know Your Rights. Intro To The Fair Debt Collections Practices Act (FDCPA)

If you’re like many New Mexicans, you may have a debt collector contacting you about an old debt that you simply cannot pay.  Having a debt collector call and write you can be confusing, embarrassing, and stressful.  Thankfully, there may be some relief from these collectors.  The Fair Debt Collection Practices Act (FDCPA) is a […]

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