District Court Procedures
The FTC filed an issue against Lanier, Robles, Rennick, Lanier Law, plus the D.C. companies, alleging which they had marketed and offered home loan help relief solutions in violation of part 5(a) associated with the Federal Trade Commission Act (FTCA), 4 the home loan Assistance Relief solutions Rule (legislation O) (MARS Rule), 5 therefore the Telemarketing product product product Sales Rule (TSR). 6 particularly, the FTC alleged the defendants had misrepresented their capability to acquire home loan alterations, charged consumers advance charges, didn't consist of necessary disclosures in their communications, initiated calls in violation for the TSR, and neglected to spend the mandatory charges to get into the National Do-Not-Call list.
The FTC moved for summary judgment, additionally the region court granted the movement. The court figured the defendants violated part 5 regarding the FTCA by simply making product misrepresentations that caused significant customer damage and also by breaking the MARS Rule together with TSR. The region court determined that the defendants violated the MARS Rule once they demanded and received costs with their solutions just before doing any work; misrepresented the chances of getting that loan modification, specially with respect to reductions in monthly premiums, interest levels, and major balances; and neglected to make disclosures that are proper.