Don’t Forget Post-Judgment Interest
If you file a claim against a member for breach of contract and a court awards you a dollar figure, it is not just the damages that stem from the contract/loan that the court will award you, there is also something know as post-judgment interest.
What is Post-Judgment Interest?
Post-judgment interest is the interest awarded for the period of time from the date the final judgment is entered until the judgment is satisfied. Post-judgment interest is meant to encourage the defendant/member to quickly pay the damages that are due and to compensate the prevailing party for the inability to collect the awarded money, which in many cases can take up to several years. Unless otherwise agreed by contract, the post-judgment interest rate is set by statute. The interest rate set by law is compensatory.
Why should you care about the Post-Judgment Interest rate?
As a creditor, you should be aware that post-judgment interest will accrue on the judgment balance. The longer the judgment goes unpaid, the more the post-judgment interest will accrue and the bigger the ultimate balance will be. Ultimately, post-judgment interest can mean that the amount of the judgment can greatly increase over time.
Post-Judgment Statutory Interest in Florida
Fla. Stat. § 55.03 sets a statutory interest rate for post-judgment interest in Florida. Although Fla. Stat. § 55.03 allows the parties to a contract to set the rate of post-judgment interest, a contractual provision that sets only the rate of interest for the debt does not also govern the rate of post-judgment interest.
Collecting Interest on a Florida Judgment – changes in the law
In 2011, the law changed how interest applies to Florida judgments in two major ways. First, the law now reads that the rate of interest will be adjusted by the Chief Financial Officer on each quarter (on January 1, April 1, July 1, and October 1) of each particular year. The second major change in the law was that, not only does the amount of interest change quarterly, the rate of interest that applies to a particular already established judgment will vary quarterly until the judgment is paid in full. The statute is clear that nothing in the statute shall affect the rate of interest that is set in a contract.
Current Interest Rate for Florida Judgment
The current interest rate is 9.09%. However, on April 1, 2024, it will increase to 9.34%.
Post-Judgment Interest in Georgia
In Georgia, the applicable post-judgment interest rate is either (1) the specific interest rate agreed to in the contract between the parties or (2) the legal rate, if not agreed in a contract. According to GA Code § 7-4-12, all judgments in this state shall bear annual interest, upon the principal amount recovered, at a rate equal to the prime rate, as published by the Board of Governors of the Federal Reserve System, as published in statistical release H. 15 or any publication that may supersede it, on the day the judgment is entered plus 3 percent. As of April 2023, the Georgia post-judgment legal interest rate is 11%. If you have questions about post-judgment interest or other aspects of the post-judgment process, please do not hesitate to contact one of the attorneys at SVL for legal advice.
Recent Advisories on the Fair Credit Reporting Act
The Consumer Financial Protection Bureau (“CFPB”) has recently issued two advisories on the Fair Credit Reporting Act (“FCRA”). The CFPB was formed around twelve years ago in response to the Great Recession and serves as an aid to consumers in the financial sector. In addition to serving consumers, the CFPB is also responsible for supervising financial institutions, including Credit Unions. This supervision includes issuing guidance and interpreting certain legislation.
The CFPB is in charge of interpreting the Fair Credit Reporting Act. Per the CFPB, the FCRA “promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.” Among other objectives, the FCRA is intended to protect consumers from erroneous data appearing in their credit reports. In addition to keeping errors off credit reports, certain data must be purged from consumer reports after a specified amount of time. Generally, the FCRA allows seven years for any negative information to appear on a consumer report. After the seven years has passed, the FCRA requires that negative information be removed.
On January 11, 2024, the CFPB issued an advisory on Background Screening, specifically on how it relates to housing and employment decisions. A consumer report may be used by landlords, property managers, and potential employers to assess a candidate for housing or employment. The Background Screening advisory has clarified how long certain negative information can stay on a consumer report. Going forward, the CFPB has advised that the seven-year timeframe on any proceeding, criminal, eviction, or otherwise, shall run from the commencement of the proceeding, not the disposition of the proceeding.
For example, if a consumer had an eviction proceeding commence on May 20, 2020, and that eviction proceeding was dispensed on June 20, 2020, the seven-year timeframe would run from the May 20, 2020, date, not the June 20, 2020, date. The CFPB advised that this clarification was intended to promote data accuracy. The CFPB noted that some states had inconsistent procedures for reporting disposition of certain matters that led to uncertainty in consumer reports.
The second advisory was also issued on January 11, 2024. This second advisory concerns File Disclosures. The advisory was intended to remind financial institutions that consumers must be provided with complete files on their consumer reports. The file must contain complete and full information and be provided with “clear and accurate information that is presented in a way an average person could understand.” The CFPB further clarifies that this means the information must be presented in such a way that consumers can easily identify inaccuracies and understand how to exercise their rights to dispute inaccurate or incomplete information.
Furthermore, the CFPB includes an additional item to include in a complete consumer report. Consumer reporting agencies must disclose to a consumer “both the original source and any intermediary or vendor source (or sources) that provide the item of information.”
The CFPB continues to provide guidance to financial institutions. If you have any questions or concerns regarding the above advisories, please contact one of the attorneys at Sorenson Van Leuven.
Staff Spotlight on Kaylyn Shaw
Kaylyn is from Tallahassee, Florida, and graduated from Florida State University in the Fall of 2020 with her bachelor’s degree in criminology. She re-joined the SVL team in November of 2023, and we are so grateful to have her back! She is the legal assistant handling probate matters for our Credit Union clients.
While away from the office, Kaylyn loves to travel and read. Her favorite getaway experiences have been traveling to Aruba and Amber Cove. She traveled to both of these destinations via a cruise line last year, and she can’t wait to go back. She said that the water was so beautiful, and she had a blast snorkeling there! Kaylyn loves to read romance novels and recently has been partaking in fantasy books, which she has really enjoyed, as well.
A couple of fun facts about Kaylyn: she is the youngest of three daughters, she is a third-generation FSU graduate, and her sister is getting married this month!
We are so happy to have you back as a part of our team, Kaylyn!
Staff Spotlight on Zenee Theophille
Zenee is originally from Ft. Lauderdale, Florida, but now lives in Cairo, Georgia. Zenee’s mom’s side of the family lives in Georgia, so she moved there to be close to family. Zenee joined the SVL team in November of 2023 and is one of our legal assistants in the Collections Department.
When away from the office, Zenee enjoys graphic design. To name a few, she creates flyers, Instagram graphics, Pinterest pin covers, and videos. Her favorite things to design are flyers for events, such as community fundraisers. Zenee says she has the most creative freedom when it comes to creating those types of designs. Zenee also has an interest in social media, the environment, and various social issues in our society.
A couple fun facts about Zenee: she is proficient in the German language, she is an only child, and she used to “show goats” (like a dog show, but for goats!). Once in high school, she stopped showing goats because she got involved in band.
Zenee, thank you for all that you do for our firm. We appreciate you and are so happy to have you as a part of our team!
“See Us” At:
24th Annual Friends of the NMCRS Charity Golf Tournament – Credit Union Collection Professionals (CUCP) Summit –
April 5, Pensacola , May 15 to May 17 in Nashville, Tennessee
Florida Tallahassee Chapter Golf Tournament – Southeast Credit Union Conference & Expo –
April 8, Tallahassee, Florida June 14 to June 16, Orlando, Florida
Gulf Winds Cares Foundation Chip in Fore Charity Golf Tournament – Southernmost Chapter Golf Tournament –
April 22, Pace, Florida October 10, Miami, Florida
Successors in Interest and Bankruptcy
A recent bankruptcy decision out of Virginia highlights the breadth of rights a successor in interest has in a residential mortgage loan. The court opinion is from In re: Stevenson, a Chapter 13 bankruptcy, pending before the United States Bankruptcy Court for the Eastern District of Virginia. The decision was entered on November 8, 2023. The Debtor filed a Chapter 13 bankruptcy with the intent to cure the arrearage on a mortgage loan owed to Wesbanco Bank.
The Debtor, Mr. Stevenson, was not obligated on the mortgage loan (he had not signed the note or the mortgage), and the property in question was not his residence. Mr. Stevenson had inherited the property after the previous owner died. Under Federal law, that makes the Debtor a successor in interest and subject to the rights of a successor in interest under the Federal Mortgage Servicing Rules.
The Bank objected to the Debtor’s plan on the grounds that the Debtor was not obligated on the note and mortgage and was seeking to force an assumption for the mortgage loan without its consent. The Court overruled the Bank’s objection, confirming the Chapter 13 plan. The Court noted that bankruptcy courts do not agree on whether a Chapter 13 plan may cure a defaulted secured claim when no privity of contract exists (meaning the Debtor is not personally liable on the note and mortgage). The Court sided with the majority of courts that found that the bankruptcy code allows a debtor to propose a plan to repay a debt on the property that the Debtor owns, even if the Debtor is not personally liable for the debt.
While the court did not cite the mortgage servicing rules, the rights of a successor in interest would have justified the same result for the court. Mr. Stevenson inherited the property, making him a successor in interest. The CFPB’s rule on successors in interest took effect on April 19, 2018. The Rule applies to all servicers, including small servicers. The law entitles a successor in interest to make loan payments and apply for loss mitigation assistance.
When dealing with a person who has inherited a mortgaged property, lenders must understand that this person is a successor in interest and has certain rights under Federal law. Furthermore, a successor in interest has certain rights whether or not they assume the loan. If the successor in interest chooses to file bankruptcy, most courts will find that the bankruptcy code allows them to cure any arrearage on the loan and resume payments under the note and mortgage.
If you have questions or concerns regarding successors in interest or bankruptcy-related issues, please get in touch with a lawyer at Sorenson Van Leuven.
New Ruling Has Effect on Till Rate in “Cram Downs
In a Chapter 13 bankruptcy, a debtor has the chance to reorganize their finances and repay debts over a specified period, typically three to five years. For secured creditors, this process introduces a crucial concept known as “cram down,” which carries significant implications. A cram down occurs when a bankruptcy court approves a repayment plan proposed by the debtor that reduces the outstanding balance of a secured debt to the collateral’s value, rather than the total amount owed. However, the Supreme Court ruled in its Till decision that, when this occurs, the secured creditor is entitled to an interest rate of the current prime interest rate plus a 1-3% risk adjustment. Creditors are entitled to this even if the contract rate is less than Till rate.
A recent case in the 8th Circuit discusses the issue of whether Till requires the Court to start at the prime interest rate or if the treasury rate is also applicable.
The Case
The case at issue, Farm Credit Services of America v. Topp, 22-2577 (8th Cir. Aug. 2, 2023), deals with a Chapter 12 (family farmer or fisherman bankruptcy) debtor who proposed a cram down plan to compensate a secured lender who held a $595,000 mortgage on property worth $1.45 million. The parties could not agree on the interest rate to be paid on debt. The creditor argued that they are entitled to the prime (3.25% plus a 2% risk-adjustment for a rate of 5.25%), while the debtor argued that they start with the 20-year treasury rate (1.87% plus 2% for a rate of 4%).
The Court sided with the debtor and ruled that “Till did not explicitly analyze the merits of starting with the prime rate versus the treasury rate.” The Court discussed the prime rate simply because that was the formula-approach proponents used. As for the appropriate risk adjustment on top of the prime rate, the plurality did not decide; it merely observed that courts had generally approved adjustments of 1% to 3%.
The Effect
In today’s wild financial climate, interest rates are ever changing. As of the date this article was drafted, the prime interest rate is 8.5% and the treasury rate 4.503%; the difference is substantial and can add up quickly on larger debts. While I have not seen a Court use the treasury rate yet in a Chapter 13, it is only a matter of time until a debtor’s attorney tries something like this.
As always, when a member files bankruptcy the name of the game is to try and limit your losses. To do that you need to pay close attention to all the filings and make sure you don’t miss any deadlines. When a plan is filed, always remember to review it and look out for the VIP: Valuation, Interest, and Payments. These are the common reasons for an objection to a plan. If you have any questions about a Chapter 13 Plan, you should immediately contact your attorney to see what steps should be taken.
Should you have any questions about this issue or any other matter, please feel free to contact a lawyer at our firm for further instruction and guidance.
Staff Spotlight on Cassidy James
Cassidy was born in New Brunswick, New Jersey, and made the move to Tallahassee to attend Florida A&M University. She will be graduating from Florida A&M this month with her bachelor’s degree in political science. Cassidy joined our team in August of this year to gain more experience within the legal field. Her goal is to become a lawyer! She is one of our legal assistants in the post-judgment area and is such an amazing addition to our firm.
Away from the office, Cassidy loves to photograph landscapes and scenery. She has recently taken up this hobby and loves to take photos of sunsets and buildings lit up at night. A fun tidbit about Cassidy is that once a month she tries something “new” that she has never done before. Just a few examples of what Cassidy has done: horseback riding, skiing and snowboarding in the Poconos, trying Mangosteen and squid, going to an electronic dance festival, seeing a new singer in concert, going to an adult gymnastics class and, finally, participating in a local dog contest with her dog, Milo! What a great idea!
Cassidy, thank you for all that you do. We appreciate you!
SVL Launches New Podcast
We have launched a new Podcast focusing on all things Credit Unions and the law. The name of the Podcast is “Banking on Credit Unions” and can be found on iTunes, Spotify, and other popular platforms. You can also find episodes at www.svllaw.com/podcast/ Come give us a listen. We are confident that this podcast will be informative and helpful.
Holiday Party
On Saturday, December 9, 2023, the SVL team gathered at Steve & Virginia Orsillo’s beautiful home to celebrate the holiday season. Staff, spouses, and friends had a great time spreading Christmas cheer. We are thankful that we have such a great work family to spend these special times with.
Cookie Bake-Off & Sweater Contest
On Saturday, December 9, 2023, the SVL team gathered at Steve & Virginia Orsillo’s beautiful home to celebrate the holiday season. Staff, spouses, and friends had a great time spreading Christmas cheer. We are thankful that we have such a great work family to spend these special times with.
On Saturday, December 9, 2023, the SVL team gathered at Steve & Virginia Orsillo’s beautiful home to celebrate the holiday season. Staff, spouses, and friends had a great time spreading Christmas cheer. We are thankful that we have such a great work family to spend these special times with.
Legislative Update
On May 5, 2023, the Florida Legislature concluded another legislative session. During this most recent session, it passed several laws that have an impact on financial institutions and credit unions. We want to take this time to make you aware of these changes and how they may impact your credit union.
Payoff Letters
One bill that was passed during the latest session makes changes to Section 701.041, Florida Statutes, and payoff letters. Pursuant to these changes, a payoff letter must be provided in writing within ten (10) days of receipt of a written request. This is a change from the previous requirement of fourteen (14) days. The changes also address requests from third parties. If a request is made by someone other than the borrower, such as a title company, the request must include a copy of the instrument showing their entitlement to the payoff letter. Upon receipt of the request, the credit union must make the borrower aware of the third party’s request for a payoff letter.
The changes also provide clarification on how requests must be both received and sent. Regarding requests for a payoff, they must be sent to the credit union by first-class mail, postage prepaid, common carrier service, or by e-mail, facsimile, or other electronic means at an address made available by the credit union. The request is considered received five (5) business days after it is deposited in the mail, provided it is sent by first-class mail; the day it is delivered by common carrier; or the day it is sent, if sent by e-mail, facsimile, or other electronic means. If the delivery date falls on a non-business day, it will revert to the next business day. These dates are important, as they will determine the ten-day window for responding to the request. The payoff letter must be sent to the requesting party in the manner requested in the written request for a payoff.
The legislative change also addresses what information must be provided in the letter. Under the changes, the payoff letter must provide an itemization of the amounts owed on the loan, as well as the daily interest, per diem, and a good through date for the payoff. Under the previous law, the credit union was only required to provide the total unpaid balance. The change also addresses the accuracy of the letters. Unless the mortgage is subject to a current foreclosure or bankruptcy, the credit union cannot reserve the right to change, condition, or disclaim the information provided in the payoff letter. Any attempt to do so will be void and unenforceable. Therefore, it is important that accurate information be provided in the payoff letter. The statute does provide an exception if the payoff letter contains a mistake. If there is a mistake, a corrected payoff letter must be received by the requesting party by 3:00 P.M. in their time zone at least one (1) business day before a payment is issued in reliance of the original payoff letter. If these conditions are not met, the credit union must honor the original payoff letter.
These changes take effect October 1, 2023.
Satisfaction of Mortgage and Judgement Lines
Not only does Section 701.041, Florida Statutes, address payoff letters, it also addresses satisfaction of mortgage and judgment liens. Whenever payment is made in full on a mortgage or a judgment lien, the credit union, its servicer, or lawyer of a judgment lien, must record a satisfaction within sixty (60) days. It is important that you record the satisfaction within sixty days, because failure to do so can entitle the borrower or judgment debtor to an award of reasonable attorney’s fees.
These changes take effect October 1, 2023.
Collateral Protection Insurance (CPI)
The Legislature also enacted regulations for Collateral Protection Insurance. Under the new statute, Section 627.9901, Florida Statutes, regulations are provided for insurers as it relates to CPI. Under this new law, a CPI policy cannot be applied any earlier than the date of lapse of coverage and must terminate when the borrower obtains acceptable insurance coverage, the mortgage is no longer a lien on the property, or a date specified in the policy or by the lender. If CPI is added, an individual policy or a certificate of insurance must be mailed by first-class mail to the borrower at their last known address. Any policy coverage must be based on the replacement cost value of the property. The Statute provides a basis for determining what the value may be and is set forth in Section 627.9905, Florida Statutes. In the event of any loss, any insurance proceeds that exceed the unpaid principal balance must be paid to the borrower.
This law took effect July 1, 2023.
Fraud
The Florida Legislature also passed a series of laws to combat real property fraud in Florida.
Witnesses to a Recorded Instrument
Another change is to witnesses to recorded instruments. Under Section 695.26(1)(c), Florida Statutes, any witness to a recorded instrument must include their post office address beneath their signature. This is in addition to requiring that the witness’s name appear legibly under their signature.
This change takes effect January 1, 2024.
Quitclaim Deeds
The Legislature also addressed what it felt were inconsistencies in quitclaim deeds. A quitclaim deed is a legal instrument in Florida that transfers title to real property. Unlike a warranty deed or special warranty deed, a quitclaim deed does not include any warranties by the grantor as to the marketability of title or even its ownership interest. These are commonly used for conveyances amongst family or divorcing spouses, as well as deeds in lieu of foreclosure. The Legislature, in its desire to create uniformity, created a form quitclaim deed that is found in Section 689.025, Florida Statues. The notable change is that it requires the parcel identification number or a blank box for this formation to be included.
These changes took effect July 1, 2023.
Lee County Pilot Program
The Legislature created the Title Fraud Prevention Through Identify Verification Pilot Program in Lee County, Florida. Under the Pilot Program, the Lee County Clerk of Court will require the production of a government issued photo identification document from the person that is presenting a document for recording that acts as a conveyance of real property. If the recording is done in person, the Clerk will record their name and address, along with the book and page of the document being recorded. This information will be kept confidential. If the recording request is made by electronic means, the Clerk will retain a copy of the government issued photo identification document. If proper identification is not provided, the Clerk can refuse to record any document that conveys title to real property.
This Pilot Program will continue until July 1, 2025. By no later than December 31, 2025, the Clerk must present a report regarding the Program to the Governor, Speaker, and President of the Senate.
Statewide Notification Service
Under a new law, the Clerk of Court in every county in Florida must create and operate a free recording notification service. Under this service, the owner of real property can opt-in to receive electronic notification anytime a document is recorded that encumbers or conveys real property that they own. The notification will be sent within twenty-four (24) hours of the document being recorded.
Mandatory compliance by the Clerks of Court is required by July 1, 2024.
If you have any questions about these recently enacted laws and how they may impact your credit union, please do not hesitate to contact one of the lawyers at SVL for legal advice.
What is an Interpleader and How is it Used to Protect the Credit Union in Account Disputes?
Interpleader – this type of action has come up a lot lately, and I wanted to address what it is, how it is used, and what a Credit Union may expect from such an action.
In Florida, an Interpleader “is an equitable proceeding,” governed by Florida Rule of Civil Procedure 1.240, which enables a third party, who faces liability as a result of conflicting claims to an asset, but that has no interest in that asset, to commence an action against the competing claimants and to compel them to litigate the matter among themselves in order to determine who is entitled to the assets. The rule states as follows:
Persons having claims against the plaintiff may be joined as defendants and required to interplead when their claims are such that the plaintiff is or may be exposed to double or multiple liability. It is not ground for objection to the joinder that the claim of the several claimants or the titles on which their claims depend do not have a common origin or are not identical but are adverse to and independent of one another, or that the plaintiff avers that the plaintiff is not liable in whole or in part to any or all of the claimants. A defendant exposed to similar liability may obtain such interpleader by way of crossclaim or counterclaim. The provisions of this rule supplement and do not in any way limit the joinder of parties otherwise permitted. Fla. R. Civ. P. 1.240.
Traditionally, and in most instances, interpleader actions involve escrow agents in real estate transactions or entitlement to insurance proceeds. However, as to Credit Unions, the most common actions involve a dispute as to ownership of funds in an account following the death of the owner, a dispute following a divorce, or a final draw in a construction contract. As I am sure you are aware, it is not uncommon for a Credit Union holding money to be placed in a situation where multiple parties claim entitlement to the funds being held. While in many, if not most, of these situations, it is clear who is entitled to the funds, occasionally due to a timing issue or other intervening issues, it is not clear who is entitled to the funds. Given the competing claims to the funds, a Credit Union can wait for the parties to resolve their dispute or file an interpleader action, asking a Court to decide who should get the funds being held. In the absence of an interpleader action, a Credit Union must either give the asset or property to one of the parties claiming ownership or face a lawsuit for wrongfully giving the funds to the other claimant. An interpleader action, therefore, enables a Credit Union to turn the disputed funds over to the registry of the Court while the claimants litigate it. It is designed to eliminate multiple lawsuits over the same funds and to protect the interpleading party (here, the Credit Union) from actual or potential liability.
In Florida, to initiate an interpleader action, a Credit Union must file a complaint, alleging that it is the holder of the assets, has no claim to the assets in dispute, and does not know to which claimant the funds should be delivered, and may be exposed to double or multiple liability. The Court must then decide whether the interpleader is proper. The Court has discretion to allow the interpleader, but it may deny the relief if the Credit Union is guilty of some wrongdoing. If the Court grants the interpleader, the Credit Union is typically directed to deposit the funds in the registry of the Court, discharging the Credit Union from further liability while the claimants are given the right to litigate their claims. As to the court costs and attorney’s fees, these are typically assessed against the funds being held, if the Credit Union has either a contractual right or common law right as a “disinterested party.” The actual timeline for said actions is shorter than most actions, because it typically only involves one hearing on the matter. However, like all actions, the timing is highly dependent on the current status or backlog of matters in the Court in which it is filed.
If you have any questions about interpleader actions or how to initiate one, please do not hesitate to contact one of the lawyers at SVL for legal advice.
Staff Spotlight on McKinley Hill
McKinley was born in Memphis, Tennessee, and moved at the age of 8 to a small town in Alabama, called Opp. Her family moved to Tallahassee, Florida, when her dad got a football coaching job at North Florida Christian where McKinley attended high school. McKinley is starting Florida State University in the fall as a sophomore due to her 36 dual enrollment credits! She is planning on majoring in social work and then attending law school to become a child advocacy lawyer. McKinley’s family are huge Florida State fans, and she says it was a dream to be accepted and attend FSU for college!
At the office, McKinley is our bankruptcy clerk. She assists the bankruptcy legal assistants with setting up their new files, preparing the Notices of Appearance for the specific cases, and e-filing them on PACER. She is also beginning to prepare reaffirmation agreements for Chapter 7 bankruptcies and proceeding to send those to either the debtor or the debtor’s attorney. We are grateful to have McKinley here with us part-time while she is attending school!
In McKinley’s spare time, away from the office, she likes to stay active. She loves to run, workout, kayak, hike, and find/walk trails around town. She also likes going to the beach with her family and exploring new restaurants and stores in Tallahassee. Thank you McKinley for all you do!
Staff Spotlight on Haley Grant
Haley was born and raised in Tallahassee, Florida. She joined the SVL team in June of this year and is one of our legal assistants in the post-judgment department. Haley assists our Credit Union clients in recovering money once a Final Judgment is entered.
Away from the office, Haley enjoys spending time with her family, especially her sister-in-law and her niece, who is 16 months old. To Haley, Little Miss is the best entertainment. Haley enjoys watching her experience the world through her eyes. The three of them love watching movies and taking golf cart rides together. Haley has a golden doodle pup named Remi who she loves to spend time with, as well.
We are happy to have Haley as a part of our team! Thank you for all you do for the firm.
Back to School & Making a Difference
We kicked off the new school year by sponsoring two local children and providing them with all their school supplies. It is always amazing to see our employees come together to make a difference with our gratitude projects. Not only did we donate crayons, notebook paper, erasers, pencils, earphones, backpacks, and other supply needs, but our staff’s monetary contribution also allowed our firm to donate gift cards for the children to shop for new clothes! What a huge way to help those in need. Great job SVL!
We will be hosting another Virtual Lunch and Learn on October 25, 2023, regarding Bankruptcy trends, Repossessions & Interpleaders. The event will take place from 12:00 p.m. until 1:00 p.m. Eastern Time. (11:00 a.m. Central Time.) Join Blair and Tyler as we discuss these topics and their impact on Credit Unions. The event will include time for questions and answers.
The meeting will be held via Zoom. We ask that you RSVP for this event by emailing Whitney at whitneyw@svllaw.com no later than Monday October 23, 2023, at 5:00 p.m. After receiving your RSVP, Whitney will send you an email with the password for entering the zoom meeting. There is no cost to attend this event.
You will not get the password to join the meeting unless you RSVP. If you plan to attend, remember to mark your calendar, and copy the link below into your calendar for future reference.
https://svllaw.zoom.us/j/8506335847?pwd=T1dLaXkxakVhTm9oMG1tNVMxTndiUT09&from=addon
Meeting ID: 266 464 3314
Dial by your location:
+1 305 224 1968,,2664643314# US
+1 309 205 3325,,2664643314# US
Find your local number:
https://svllaw.zoom.us/u/kbS7lj8G37
We will be hosting another Virtual Lunch and Learn on September 28, 2023, regarding Legislative Update for Florida law. The event will take place from 12:00 p.m. until 1:00 p.m. Eastern Time. (11:00 a.m. Central Time.) Join Steve and Jim as we discuss recent changes to the law in Florida and their impact on Credit Unions. The event will include time for questions and answers.
The meeting will be held via Zoom. We ask that you RSVP for this event by emailing Whitney at whitneyw@svllaw.com no later than Monday, September 25, at 5:00 p.m. After receiving your RSVP, Whitney will send you an email with the password for entering the zoom meeting. There is no cost to attend this event.
You will not get the password to join the meeting unless you RSVP. If you plan to attend, remember to mark your calendar, and copy the link below into your calendar for future reference.
