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Author Archives: Lauren Riddick

Lauren Riddick handles contested foreclosure matters as a member of the Codilis & Associates, P.C.’s Contested Litigation Unit and also assists with title matters. She joined the firm in August 2013. Prior to joining the firm, she was an Adjunct Professor of Law with several colleges and a Securities Attorney for a large broker-dealer in Florida. Riddick is a member of the Illinois and Florida Bar Associations. She received her Juris Doctor in 2001 from the University of Florida Levin College of Law, and her Bachelor of Science in 1998 from the University of Florida.

The Obduskey Effect: Foreclosures, FDCPA, and the Supreme Court

The Fair Debt Collection Practices Act’s definition of “debt collectors” has led to both extensive litigation and contradictory Circuit Court decisions. Codilis & Associates member Lauren Riddick dives into the impact of the case, and discusses how the results may clear up some of these contradictions.

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RESPA Damages Denied for Delinquent Mortgagor

An analysis of what constitutes “actual damages” for borrowers under RESPA gives insights into how borrowers making false claims under this Act are likely to face an uphill task. Editor's Note: This feature originally appeared in the January issue of DS News, out now.

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Supreme Court States “If Sought” is Seeking

What constitutes a “same” cause of action, especially when multiple contracts are at play? A recent Illinois Supreme Court ruling in First Midwest Bank v. Cobo examined this term and what it actually meant in foreclosures.

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Defining Debt Collectors

Editor's note: This story was originally featured in the January issue of DS News, out now. The United States Supreme Court, in Henson v. Santander Consumer USA Inc., settled a circuit court split and solidified what may turn out to be a ...

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Condominium Law in Flux

A recent ruling not only puts a new wrinkle on condominium association lien extinguishment, but also clashes with a previous opinion...

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Green Light, Red Light

Municipalities may be experiencing whiplash from a recent U.S. Supreme Court ruling which both permits and prevents certain suits based on the Federal Housing Act. In Bank of America Corp., et. al. v. City of Miami, the City of Miami argued that two banks, Bank of America and Wells Fargo, violated the Federal Housing Act by intentionally issuing riskier mortgages on less favorable terms to African Americans and Latino customers than they issued to similarly situated white, non-Latino customers.

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