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Hello, I’m Jim Francis’s Avatar.
In 2022, President Biden pardoned persons federally convicted of simple possession. The state governments of Pennsylvania, Oregon, and others have instituted clemency programs and pardons for low-level drug offenders. Many states already limit employers’ abilities to make hiring decisions based on offenses that have been sealed, expunged, or pardoned. If you have been charged, but not convicted of simple possession, that charge may still show up in a potential employer’s routine background check. If you have concerns about your record, contact the legal team at Francis Mailman Soumilas P.C. today.

Learn more about background check errors.

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Hi, I’m Mark Mailman‘s Avatar, here to talk about the available paths to homeownership for buyers without credit scores. It is possible to get a mortgage without a credit score by having a co-signer with a qualifying credit score, or by putting down a large down payment. Certain loan programs, like FHA and VA loans, have more flexible requirements to qualify. Recent changes to Fannie Mae’s underwriting system allows borrowers without credit scores to use data from their bank statements to qualify. If you have questions about your credit score, contact Francis Mailman Soumilas P.C. today.

Learn more about the importance of credit scoring.

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Truckers have rights under federal law which protect them from inaccurate background or employment reports. The federal Fair Credit Reporting Act requires employers and background check companies to abide by various rules before denying a trucker a job.

• The background check must be complete, accurate and up-to date.
• Consumers can review and dispute inaccurate information.
• Employers must obtain a consumer’s permission before getting a background check.
• Employers must notify consumers when a job is denied or terminated due to a background check, and if taking adverse action, employers must provide a copy of the report and a summary of their rights under the FCRA before taking such action.

The DAC or Drive-A-Check report is a background report specific to the trucking industry. Your DAC report generally contains items such as employment history, driving incidents, drug testing history, and legal issues. If you are a truck driver, you know the DAC report is one of the first things a company will look at when hiring drivers. Most DAC Reports are provided by a company called HireRight.

If your DAC Report or other Background Check contains errors, you could be denied, delayed, or even lose your truck driving job. If you believe that you have a case against a prospective employer and/or a background check company, please contact us at 1-877-735-8600 for a free case review.

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A class action is when many people have the same complaint with a company, and all of those people sue the company together. One lawsuit is filed on behalf of all the members and the case is tried in a single court. We will advise you when we believe that your case may be suited for a class action based upon our pre-suit investigation and experience.

Usually, a lead plaintiff represents the members of the class. He or she is the named party in the lawsuit, and this person is appointed by the court to represent other people once the class is certified. The lead plaintiff is usually more involved in the case than other members of the class, and in successful cases is usually entitled to an additional sum of money known as a “service award” or “incentive award.”

We have deep class action experience in federal and state courts and are known for being one of the few law firms in the country to have taken four class action cases to trial. We have represented consumers in some of the largest class action settlements in the history of consumer protection litigation, and we’ve obtained several ground-breaking class action rulings.

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Our firm has been relentless in protecting the privacy rights of individual consumers for over 20 years. In a world dominated by data giants like Google, Amazon, Apple and Facebook, privacy rights are supposed to be protected by a complex web of state and federal laws and regulations. However, the right of consumers to control their financial data, personal history, location, internet searches, photos and other private information is increasingly in peril.

The federal Fair Credit Reporting Act or “FCRA” is one of the strongest laws that protects privacy rights in the United Sates and one of our main areas of concentration. The FCRA prohibits unlawful access to private financial and other information without a permissible purpose. It can be used to recover statutory, actual, and punitive damages against privacy-violators. It also requires violators to pay for the consumer’s attorney’s fees and costs in any successful action to establish a violation of the statute.

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