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United states of america Court of Appeals, Eleventh Circuit.

FEDERAL TRADE COMMISSION, Plaintiff – countertop Defendant – Appellee, v. LANIER LAW, LLC, a Florida liability that is limited, d.b.a. Redstone Law Group, d.b.a. What the law states Offices Of Michael W. Lanier, LIBERTY & TRUST LAW SELECTION OF FLORIDA, LLC payday loans near me Lawrence Kansas, a Florida restricted obligation business, Defendants – countertop Claimants, MICHAEL W. LANIER, independently and also as an owner, officer, supervisor, and/or agent associated with above-mentioned entities, Defendant – countertop Claimant – Appellant, FORTRESS LAW GROUP, LLC, a Florida restricted obligation business, et al., Defendants.

This instance requires us to take into account perhaps the region court precisely awarded summary judgment to your Federal Trade Commission (FTC) on its claims that defendant Michael Lanier violated several statutes that are federal laws associated with the purchase of home loan support relief services. Lanier contends that the region court must not have awarded summary judgment for many reasons, including that the region court improperly admitted proof against him, overlooked disputes of material reality, making factual findings in the FTC’s benefit. We conclude that none of the arguments has merit and affirm the region court.

Factual Background

Through Lanier Law, LLC, his law practice, Michael Lanier, legal counsel located in Jacksonville, Florida, offered mortgage help relief services to individuals vulnerable to losing their homes to foreclosure. 1 Lanier and their affiliates promised homeowners that in return for an upfront charge, he’d negotiate cheaper month-to-month home loan repayments, reduced rates of interest, and paid off major balances with the person.

Lanier Law shared work place with Rogelio Robles and Edward Rennick, two of Lanier’s co-defendants, whom operated some other entities Pinnacle that is including Legal, Fortress Legal Services, therefore the Department of Loss Mitigation and Forensics (“DOLMF”) (collectively, the “staffing agencies”).

“In Harm’s Method? Pay Day Loan Access and Military Personnel Performance.” Zinman, Jonathan; Carrell, Scott. Report about Financial Studies .

Abstract: “Does borrowing at 400% APR do more harm than good? The U.S. Department of Defense believes so and successfully lobbied for a 36% APR cap on loans to servicemen. But current proof on just exactly how use of high-interest financial obligation impacts borrowers is inconclusive. We estimate effects of cash advance access on enlisted workers making use of exogenous variation in Air Force guidelines assigning personnel to bases throughout the united states of america, and within-state variation in lending legislation as time passes.