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Kelly Guzzo Fights for Consumers Against Zombie Second Mortgages

Kelly Guzzo has filed multiple cases in recent months to protect consumers against illegal collection of payment and foreclosure associated with decades-old “zombie” second mortgages. What are zombie mortgages? Consumers used to finance their homes using two mortgages (often called “80/20” mortgages). During the 2008-07 mortgage crisis, many consumers needed

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CFPB Warns Against Name-Only Matching in Background Checks

The Consumer Financial Protection Bureau (CFPB) issued an “advisory opinion” on November 4, 2021, reminding background screening companies that name-only matching procedures are illegal under the Fair Credit Reporting Act (FCRA). The majority of landlords and employers in the United States utilize the services of background screening companies to help

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Kelly Guzzo Stands Up for Tenants Impacted by Wrongful Background Checks

Kelly Guzzo, PLC recently filed multiple lawsuits in federal court alleging that a company wrongfully shared consumers’ criminal record information with potential landlords.  One lawsuit alleges that expunged criminal records were improperly provided to landlords.  Another alleges that the criminal record of the wrong consumer was included in a tenant’s

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