No one should profit from trapping and feeding on families through predatory lending. But that’s exactly what predatory lenders do. Car title lenders provide loans that allow borrowers to use their vehicle title as collateral. The average interest rate charged by car title lenders is 216%, and if a borrower can’t afford a payment, car […]E-loan sharking: the latest loan shark tactic used to evade Virginia law
Loan sharks—payday lenders that catch borrowers in debt traps by offering small loans at high interest rates—have learned to survive despite attempted regulation by taking on a new disguise: e-loan sharking. E-loan sharking refers to massive, interstate internet-based payday lending. These operations are illegal in Virginia but have evolved to survive, working around state laws […]Family Reunification: Why It Matters
Reunification refers to the reunion of children in foster care with their families after parents have shown they can provide a safe and nurturing environment. For children, timely reunification is important: brain scans of elderly adults who were separated from parents as children show structural changes in their brains that have lasted a lifetime. Families […]Virginia candidates are raising money—but where is it coming from?
Recently, several stories surfaced about how much candidates are raising, but little is said about where the money is coming from—and that is important. Tracking a politician’s funding sources may reveal which donor is trying to exert influence over a candidate. Payday, car title, and internet lenders, large national companies that make loans at 200% […]Eviction Spotlight: Vietnam War vet faces eviction over PTSD-triggered confrontation with property manager
At VPLC, we witness many landlords taking advantage of low-income Virginians through our Eviction Legal Helpline. The Eviction Spotlight series seeks to shed light on these stories. Mr. Bell,* a longtime resident of Richmond, is a resourceful Vietnam war veteran who suffers from Post-Traumatic Stress Disorder (PTSD) and other ailments from his service in combat. […]Summer CAMHP in the Parks program brings community lawyering to mobile home parks
When residents of mobile home parks encounter a problem, legal aid attorneys across the state are there to help. From crumbling, ill-maintained park infrastructure to illegal mid-term rent increases, residents often face legal challenges and cannot afford a private attorney. But in these areas with severe need for legal assistance, many residents do not know […]New landlord-tenant laws, foster care reform, and restored driver’s licenses: new Virginia laws take effect July 1
Today, hundreds of new laws that passed during this year’s General Assembly go into effect, from new landlord-tenant laws to foster care reform. Here are a few to note. Other New Laws Related to VPLC Focus Areas Medicaid and Mental Health: An adopted budget increases reimbursements for Medicaid primary care physicians and licensed mental health […]