Treinen Law Office, PC

  Provisions of the CARES Act and consumer protections enacted by the New Mexico Governor or the New Mexico Supreme Court are being ignored by creditors, mortgage servicers, landlords and debt collectors.  Garnishment, foreclosure and evictions should not be happening in many instances.  Even the threat to garnish, foreclose or evict might be a violation […]

New Mexicans with questions about health insurance coverage related to COVID-19 now have a call center for quick answers.  On May 1, 2020, the Office of the Superintendent of Insurance launched the toll-free call center.  It will answer questions 8 a.m. to 6 p.m. Monday through Saturday. Consumers are urged to call the call center […]

The CARES Act was supposed to get money directly to Americans quickly. Folks need it. They are out of work through no fault of their own. Unlike many other states, New Mexico has not acted to protect stimulus checks from unfair garnishment. Since so many New Mexicans have nothing to fall back on, this failure […]

Many mortgages are held by Fannie Mae.  Although you make your payments to another company – called the mortgage servicer – Fannie Mae, which is a quasi-governmental entity, holds the mortgage.  In response to the CARES Act, Fannie Mae has issued instructions to the servicers of its mortgages. Treinen Law Office PC is happy to […]

The COVID-19 pandemic has caused business shutdowns.  It has caused reduced income for many Americans.  Stay-at-home orders have cleared traffic from roads across the country.  Eleven of the largest auto insurance companies say they will give back a portion of premiums to policyholders because they have fewer accidents to cover.  Other companies will likely follow. […]

In these difficult COVID-19 times, many are out of work or working fewer hours through no fault of their own.  Promised stimulus checks have been held up or will come too late.  Things are tight.  New Mexico has put in place protections for renters and consumers. Sheriffs have been directed to NOT serve eviction orders.  […]

Be wary of COVID-19 scams.  They are out there.  Many of the scams involve calls related to the stimulus checks issued by the federal government.  Scammers may try to get your confidential personal information or confidential banking information.  This information can be used to steal your identity, sell your confidential personal information on the dark […]

Under the CARES Act, banks and mortgage servicers must provide COVID-19 relief plans that allow homeowners to skip up to six months of payments.  The Consumer Finance Protection Bureau, a federal agency charged with enforcing consumer rights, recently clarified that banks and mortgage servicers must report any mortgage that is in a COVID-19 Relief Plan […]

If you have a federal student loan, you can stop paying it at no penalty until September 2020.  If you are unsure whether the loan you have is a federal student loan, rather than a private student loan from a bank, please call us.  Sometimes it is hard to tell.  We are happy to help […]

In these COVID-19 times, many families will fall into financial trouble.  Many wage earners will not be working.  Since most New Mexican families do not have much in the bank to fall back on, and instead live paycheck to paycheck, they will not be able to make it without help.  Aware of these realities, the […]