Anthony Giordano enrolled in Experian's CreditWorks credit-monitoring service in June 2024, agreeing to Terms of Use containing a broad arbitration provision.
In December 2025, Giordano sued Experian and other defendants, alleging violations of the Fair Credit Reporting Act (FCRA) and defamation. Experian moved to compel arbitration, relying on an agreement expressly covering FCRA claims, including those arising before enrollment or after termination.
The life-cycle model assumes households plan over their remaining lifetime, yet in the Survey of Consumer Finances (1989-2025) more than a third of households plan their saving and spending no more than one year ahead.
In In re Benfield, Bankruptcy Judge David M. Warren overruled a Chapter 7 Trustee's objection to a debtor's tenancy by the entirety exemption in approximately 11 acres of unencumbered real property valued at $200,000, holding that the designation of the debtor and his wife as “separated”id not overcome the statutory presumption that married individuals acquiring property together hold title as tenants by the entirety.
Arthur and Lisa Perry filed suit against CitiMortgage, alleging violations of the Fair Credit Reporting Act arising from an allegedly fraudulent deed of trust securing a $49,000 mortgage. The Perrys maintained they knew nothing about the mortgage until it prevented them from selling their property in 2019.
Dated: August 4, 2026 (original program implemented July 15, 2026)
Summary:
The United States Bankruptcy Court for the Middle District of Florida, through Chief Judge Jacob A. Brown, has adopted an innovative Student Loan Discharge Program (SLD Program) designed to streamline adversary proceedings under 11 U.S.C. § 523(a)(8) involving student loans held by the United States Education Department (USED).
