Stephanie Lane has been a licensed attorney in Ohio for more than 17 years, practicing before federal, state, and local courts. She is co-founder and partner of a boutique Cleveland law firm that concentrates in such areas as contract disputes, employment and civil rights, foreclosures and collections, and landlord-tenant issues. She has assisted financially challenged individuals and businesses in obtaining satisfactory debt workouts, mortgage loan modifications, and bankruptcy relief.
Before entering private practice, Stephanie interned for two years with the Ohio Civil Rights Commission. She graduated from the University of Akron with a B.A. in Public Speaking and Interpersonal Communications, magna cum laude, in 1995, and earned her law degree (J.D.) in 1998 from Case Western Reserve University.
Articles By Stephanie Lane
The Florida Consumer Collection Practices Act prohibits both debt collectors and creditors from using deceptive and abusive tactics when collecting debts.
Creditors may be able to garnish a bank account (also referred to as levying the funds in a bank account) that you own jointly with someone else who is not your spouse.
When a debt buyer parks an old debt on your credit report or re-ages an account, it might be violating the FCRA.
If you default on your car loan payments, the lender can take your car back through repossession or replevin. Learn the difference.
Learn about your options for getting your car, van, truck, or other vehicle back after it's been repossessed.
If a car lender sues you for a deficiency after repossessing your car, you might have some defenses to the lawsuit.
If your car is repossessed, the lender must give you certain notices after the repossession and after it sells the car. But in most cases, it doesn't have to give you notice before repossessing the vehicle.
If you default on your car loan, the lender may repossess your vehicle and then it might go after you for the deficiency.
If your car is repossessed, you might be able to get it back through redemption or reinstatement. Most states allow you to redeem your car (pay the full balance due, plus costs and fees).
If you live in California and a creditor gets a judgment against you, that judgment creditor may be able to collect from your retirement account.