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  • The Truth About the Truth in Lending Act
    Since 1968, American consumers have been entitled to clear disclosure of credit terms and costs in lending agreements. It was in 1968 that Congress passed the Truth in Lending Act. The law applies to many types of personal credit including credit card debt and residential mortgages. It applies to personal consumers who are seeking or applying for credit but it does not apply to … more
  • The Mortgage Forgiveness Debt Relief Act of 2007
    In December 2007, the federal government enacted the Mortgage Forgiveness Debt Relief Act. The Act was meant to provide tax relief to taxpayers who had debt forgiven on their primary residence and to help struggling homeowners.    The Purpose of the Mortgage Forgiveness Debt Relief Act   The idea behind the law was to help homeowners avoid foreclosures by not taxing them … more
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