It appears that the the new FICO 9 scoring model is going to be better for Oregonians with scant reporting and medical collection accounts. The new model distinguishes medical debt from non-medical debt. The upshot is that  Oregon consumers with unpaid medical collections could improve by as much as 25 points per account. Moreover, borrowers with multiple accounts in collection will no longer be penalized for any old debts carrying a $0 balance. Individuals with more than one account in collection could see scores boosted by as much as 50 to 75 points.

Interesting development for Oregon bankruptcy clients trying to rebuild their credit after bankruptcy. No idea whether the product is really worthwhile, but Rent Track allows Oregon renters to have their rent payments factored into their credit scores. It requires only the renter and property manager to sign a form and the tenant them makes payments online either by e-check or credit card. The payment is then reported to the credit bureau with scores reflecting the on time payment.  

In the aftermath of the real estate mortgage foreclosure crisis in Florida since 2008, various issues have been presented to the court in Florida regarding the enforceability of mortgages, including statute of limitations arguments.

By Mireya Navarrro

The recent Middle District of Florida decision in In re Nabavi, 2014 WL 3939595 (M.D. Florida, August 12, 2014) made reference to the 11th Circuit Court of Appeal’s longtime adoption of the "civil plain error rule" - an exception to the general rule that an appellate court will not consider an issue not raised in the lower court.  In the In re Nabavi  appeal to the District Court from the Bankruptcy Court, the creditor raised arguments which it had failed to before the Bankruptcy Court.

"The recent Middle District of Florida decision in In re Nabavi, 2014 WL 3939595 (M.D. Florida, August 12, 2014) made reference to the 11th Circuit Court of Appeal’s longtime adoption of the "civil plain error rule" - an exception to the general rule that an appellate court will not consider an issue not raised in the lower court.

"The recent Middle District of Florida decision in In re Nabavi, 2014 WL 3939595 (D.C. M.D. Florida, August 12, 2014) made reference to the 11th Circuit Court of Appeal’s longtime adoption of the "civil plain error rule" - an exception to the general rule that an appellate court will not consider an issue not raised in the lower court.  In the Nabavi  appeal to the District Court from the Bankruptcy Court, the creditor raised arguments which it had failed to bring before the Bankruptcy Court.