Author Archives: Jay Butchko
Your Rights Under Ohio’s Consumer Protection Rules: What To Do If A Business Breaks The Law
Ohio’s consumer protection laws are there to level the playing field between individuals and businesses. Deceptive car sales, unfair debt collection tactics, or misleading advertisements are all conduct that Ohio law protects consumers from. Ohio consumers have strong legal protections that are designed to stop abuse and recover damages from offending businesses. Those who… Read More »
Emerging Risks For Ohio Homeowners: AI-Driven Mortgage Servicing Errors & What To Do
Over the past couple of years, the mortgage servicing industry has quietly adopted artificial intelligence to handle its mortgages. Automated payment processing. AI-powered chatbots. Digital escrow management. All this technology now touches almost every stage of mortgage servicing. On the one hand, these tools can improve efficiency. On the other hand, they can introduce… Read More »
When Your Vendor Won’t Deliver: Practical Steps For Ohio Small Businesses Under CSPA
Many Ohio businesses rely on their vendors and suppliers. You order inventory or professional services and timely delivery can make or break your operations. What happens, though, when a vendor fails to deliver? Fortunately, Ohio law (the Ohio Consumer Sales Practices Act) and other rules provide several options for your small business seeking remediation…. Read More »
Common Defenses In Ohio Foreclosure Lawsuits
If you, as a homeowner, were to fall behind on your mortgage payments, you likely think that foreclosure is inevitable. In Ohio, however, lenders have to meet strict requirements before they can take away your home. A lot of foreclosure cases fail because the bank cannot prove it has the right to enforce the… Read More »
Recent Supreme Court Decisions That Could Impact Your Foreclosure Defense
Ohio residents facing foreclosure often feel like the system is stacked against them. But court decisions can significantly change the legal landscape, sometimes in favor of borrowers. Over the past few years, the Ohio Supreme Court has issued several rulings that shape how foreclosure cases are handled. This clarifies the rights of both lenders… Read More »
Telemarketing, Robocalls, And The TCPA: Understanding Your Rights
Did you know that if a business attempts to robocall you, you might have the ability to sue them? Unwanted telemarketing calls and text messages have become a daily annoyance for most Americans. What most Americans don’t know is that they’re also illegal. The federal law Telephone Consumer Protection Act (TCPA), and Ohio’s own… Read More »
5 Warning Signs That Your Mortgage Servicer Is Violating Ohio Foreclosure Laws
Those facing the possibility of foreclosure know how stressful it can be. When mortgage servicers mishandle accounts, it can make matters far worse. However, state and federal laws give borrowers important protections, but violations often go unnoticed until it’s too late. Knowing the red flags can help you spot misconduct early and protect your… Read More »
Ohio Consumer Protections You Probably Don’t Know About (And How To Use Them)
The majority of folks don’t necessarily think about consumer protection laws until something in their life goes wrong. A company overcharges, a contractor doesn’t deliver on their promises, or a debt collector refuses to stop calling. What many Ohio residents don’t realize is that both state and federal law provide powerful rights and remedies… Read More »
Five Common Myths About Foreclosure Debunked
Facing foreclosure is among the most stressful experiences that you can face. Unfortunately, misinformation and half-truths can make the process even more confusing. Many people believe that once foreclosure begins, there’s no way to fight back, or the only solution is bankruptcy. That’s simply not true. In reality, Ohio homeowners have several rights and… Read More »
How To Check If Your Lender Has Legal Standing In Ohio Foreclosures
When a bank or mortgage company begins the process of foreclosure, most homeowners assume the lender automatically has the right to take their house. But in Ohio, that’s not always the case. To foreclose, the lender must first prove that it has “standing,” or the legal authority to enforce the mortgage and collect the… Read More »