By Ed Boltz, 19 March, 2021

W.D.N.C.: Manos v. Freedom Mortgage- Credit Reporting of Late Mortgage Payment

Summary:

The online payment website for Freedom Mortgage will not accept payments made after 11:00 p.m., in order to allow its cash department to process payments received that day. If a borrower attempts to pay after 11:00 p.m., an error message pops up and the borrower is required to postdate the payment to the next day.

By Ed Boltz, 28 February, 2021

Law Review: Cox, Prentiss and Engel, Kathleen, Student Loan Reform: Rights Under the Law, Incentives Under Contract, and Mission Failure Under ED (October 6, 2020). Harvard Journal on Legislation, Forthcoming,

Abstract:
The federal student loan program is a disaster. Over five million people are in default even though Congress provides all borrowers with the right to affordable payments and to discharge of borrowers’ debts in specific circumstances. Many student loan borrowers who could benefit from these rights are unaware they exist or are unable to exercise their rights.

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