Franklin Credit Management Corp. v. Nefflen
57 A.3d 1015, 208 Md.App. 712 (2012)
Sections
Case Podcast
Listen to an audio breakdown of Franklin Credit Management Corp. v. Nefflen.
Rule of Law:
The Legal Principle
This section distills the key legal rule established or applied by the court—the one-liner you'll want to remember for exams.
Facts:
- Franklin Credit Management Corporation ('Franklin') began servicing Fred Nefflen's mortgage and claimed his monthly payment was higher than the amount agreed upon in a prior loan modification.
- Franklin reported Mr. Nefflen as delinquent to credit agencies, leading to a lawsuit that the parties settled in June 2009.
- The settlement agreement required Franklin to delete all derogatory information from Mr. Nefflen's credit reports and to cease demands for flood insurance.
- Following the settlement, Franklin sent Mr. Nefflen multiple letters demanding he obtain flood insurance and eventually purchased a policy on his behalf, charging the cost to his account.
- Franklin also failed to remove the negative information from Mr. Nefflen's credit reports, which continued to list his account as adverse.
- As a result of the negative credit reporting, Mr. Nefflen was denied credit to purchase a new car.
Procedural Posture:
How It Got Here
Understand the case's journey through the courts—who sued whom, what happened at trial, and why it ended up on appeal.
Issue:
Legal Question at Stake
This section breaks down the central legal question the court had to answer, written in plain language so you can quickly grasp what's being decided.
Opinions:
Majority, Concurrences & Dissents
Read clear summaries of each judge's reasoning—the majority holding, any concurrences, and dissenting views—so you understand all perspectives.
Analysis:
Why This Case Matters
Get the bigger picture—how this case fits into the legal landscape, its lasting impact, and the key takeaways for your class discussion.
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