Treinen Law Office, PC

Smart home security and monitoring company Vivint Smart Homes has agreed to pay $20 million to settle Federal Trade Commission (“FTC”) allegations that it stole identities to help unqualified customers obtain financing for its products and services.  Under the settlement, Vivint will pay a $15 million civil penalty and an additional $5 million to compensate […]

As discussed in other blogs posted on the Treinen Law Office website, the federal government, New Mexico state government and some creditors have offered consumers protections in response to the COVID-19 pandemic.  These protections include relief plans such as forbearance or loan modifications, as well as eviction and foreclosure moratoriums.  These protections often also include […]

Improper and illegal tactics are common with medical billing.  Medical bills often contain errors.  Sometimes these “errors” are not honest mistakes.  Sometimes they are the result of conscious decisions to overbill.  Even where the “error” is an honest mistake, oftentimes the medical provider or debt collector is unwilling or unable to remedy the “error,” or […]

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, […]

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 […]

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 […]

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 […]