Statute of Limitations on North Carolina Credit Card Debt

someone holding out 4 credit cards fanned out

The advent of credit cards in the 1950s brought with them unmatched buying power for Americans. But they also brought more risks for consumers and for some, financial ruin. Today, more than 191 million Americans have credit cards, and the average card holder has 2.7 different cards. Credit card usage took a dive last year, […]

Inaccurate & Incorrect Background Checks

Incorrect background checks can cost someone an opportunity for a new job or even cost them their current job. Consequently, the United States government enacted the Fair Credit Reporting Act (FCRA) to protect consumers and promote the accuracy of private consumer reports. In the past few years, our firm resolved a case involving an individual […]

$1.2 Million FDCPA Class Action Bankruptcy Discharge Settlement

In 2019, Ed Maginnis and Karl Gwaltney obtained a $1.2 million settlement for a Fair Debt Collection Practices Act (FDCPA) class action. The plaintiff filed for Chapter 7 bankruptcy over medical debts which cleared him from liability. More than 400,000 people file for bankruptcy each year, and medical debt is the leading type of claim. […]

Construction Class Actions

construction site with two men standing

There is nothing more frustrating than dealing with construction related defects. Remedying construction problems are invariably complicated, expensive, and time consuming. When a construction company or subcontractor is negligent or uses defective equipment or products, a construction class action lawsuit may be the best option for fixing the problem. Construction class actions are filed when […]

Seterus Class Action Lawsuit

Maginnis Howard has uncovered potential violations of state and federal consumer protection laws by mortgage servicing giant Seterus, Inc. Seterus is a nationwide company that represents Fannie Mae mortgages. Currently, our firm has pending class actions against Seterus in North Carolina, Michigan, New York, New Jersey, Kansas, and Missouri. Seterus class action representatives may be […]

Unfair Debt Collection Regarding Deceased Relative’s Debt

A disturbing aspect of unfair and improper debt collection by collection agencies relates to attempts by debt collectors to collect funds from the spouses and other family members of their deceased relatives. This is a particular problem in North Carolina due to its desirable status for retirees and semi-retirees. Between 2010 and 2030, North Carolina’s […]

Which Business Entity is Right for Your Raleigh Company?

Choosing the right business entity is an important step in starting or growing a company. The choice of one over another can affect liability exposure, taxation rates, management choices, and financing opportunities. Oftentimes, there is no clear choice. Moreover, when a business changes or evolves over time, it may need to modify the selected entity. […]

North Carolina Civil Conversion Claim Attorney

North Carolina law provides a number of civil claims that entitle a plaintiff to sue a party that has acted wrongfully. Among the more common and understandable claims is conversion, which is essentially a civil claim for theft or stealing. The North Carolina Supreme Court in the recent case Variety Wholesalers, Inc. v. Salem Logistics […]

Raleigh Small Business Civil Litigation Attorney

overhead view of two people signing an agreement

The Raleigh civil litigation attorneys of Maginnis Law represent a variety of small to medium size businesses. The law firm’s clients include companies involved in construction, staffing, international trade, automobile repair, telecommunication, food service, land development, entertainment, and technology. To speak with a Maginnis Howard small business attorney regarding legal representation for your company, call […]