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Jason M. Krumbein, Esq.
Works at Krumbein Consumer Legal Services, Inc.
Attended Ohio Northern University
Lived in Richmond, va
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Jason M. Krumbein, Esq.

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OK, the Supreme Court PUNTED majorly on this one.
In Spokeo. v. Robins, the court determined that the issue of whether or not a person has standing to bring a claim for statutory damages requires concrete and particularized damages, but the 9th Cir only focused on particularized damages.
http://ow.ly/BBRm300fAiu

Commentary from someone smarter than me---

Not much has changed, yet. We now have a "concreteness" requirement when pleading FCRA claims (and possibly other Federal Statutory claims). They went back to the Lujan case a lot (which I haven't read recently, but will be rereading shortly).

The second to last paragraph of the decision:
Because the Ninth Circuit failed to fully appreciate the distinction between concreteness and particularization, its standing analysis was incomplete. It did not address the question framed by our discussion, namely, whether the particular procedural violations alleged in this case entail a degree of risk sufficient to meet the concreteness requirement. We take no position as to whether the Ninth Circuit’s ultimate conclusion—that Robins adequately alleged an injury in fact—was correct.

Other portions about concreteness:
Congress’ role in identifying and elevating intangible harms does not mean that a plaintiff automatically satisfies the injury-in-fact requirement whenever a statute grants a person a statutory right and purports to authorize that person to sue to vindicate that right. Article III standing requires a concrete injury even in the context of a statutory violation. For that reason, Robins could not, for example, allege a bare procedural violation, divorced from any concrete harm, and satisfy the injury-in-fact requirement of Article III. See Summers, 555 U. S., at 496 (“[D]eprivation of a procedural right without some concrete interest that is affected by the deprivation . . . is insufficient to create Article III standing”); see also Lujan, supra, at 572.

This does not mean, however, that the risk of real harm cannot satisfy the requirement of concreteness. See, e.g., Clapper v. Amnesty Int’l USA, 568 U. S. __. For example, the law has long permitted recovery by certain tort victims even if their harms may be difficult to prove or measure. See, e.g., Restatement (First) of Torts §§569 (libel), 570 (slander per se) (1938). Just as the common law permitted suit in such instances, the violation of a procedural right granted by statute can be sufficient in some circumstances to constitute injury in fact. In other words, a plaintiff in such a case need not allege any additional harm beyond the one Congress has identified. See Federal Election Comm’n v. Akins, 524 U. S. 11, 20–25 (1998) (confirming that a group of voters’ “inability to obtain information” that Congress had decided to make public is a sufficient injury in fact to satisfy Article III); Public Citizen v. Department of Justice, 491 U. S. 440, 449 (1989) (holding that two advocacy organizations’ failure to obtain information subject to disclosure under the Federal Advisory Committee Act “constitutes a sufficiently distinct injury to provide standing to sue”).

Particularization is necessary to establish injury in fact, but it is not sufficient. An injury in fact must also be “concrete.” Under the Ninth Circuit’s analysis, however, that independent requirement was elided.

A “concrete” injury must be “de facto”; that is, it must actually exist. See Black’s Law Dictionary 479 (9th ed. 2009). When we have used the adjective “concrete,” we have meant to convey the usual meaning of the term— “real,” and not “abstract.” Webster’s Third New International Dictionary 472 (1971); Random House Dictionary of the English Language 305 (1967). Concreteness, therefore, is quite different from particularization.

“Concrete” is not, however, necessarily synonymous with “tangible.” Although tangible injuries are perhaps easier to recognize, we have confirmed in many of our previous cases that intangible injuries can nevertheless be concrete. See, e.g., Pleasant Grove City v. Summum, 555 U. S. 460 (2009) (free speech); Church of Lukumi Babalu Aye, Inc. v. Hialeah, 508 U. S. 520 (1993) (free exercise).
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Jason M. Krumbein, Esq.

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December 4, 2016- US 2nd Cir holds that the Federal Fair Debt Collection Practices Act is not preempted by the Bankruptcy code.
This ruling follows the holding of the 7th and 11th circuits, and is opposite the holding in the 9th Circuit, setting up a split between the circuits. A circuit split is a common way for a case to be heard by the US Supreme Court.
http://ow.ly/WE8PQ
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Well, it's about damn time consumers got some good news from the Federal Courts (2d. Cir.) to kick off the New Year! 
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Jason M. Krumbein, Esq.

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CitiBank forced to pay $700 million to customers for illegal collection activity. http://ow.ly/PWmPl
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Google Best Practices


Google's Best Practices Series provides strategic advice on core search engine marketing tactics. It's intended to help you get the most out of AdWords. Based on Google's internal data and vetted by the people that built AdWords, this series helps form the foundation of your paid search strategies.

https://support.google.com/adwords/answer/6154846?utm_source=twitter&utm_medium=cpc&utm_campaign=best-practices&utm_content=interests-twitter
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Google Best Practices


Google's Best Practices Series provides strategic advice on core search engine marketing tactics. It's intended to help you get the most out of AdWords. Based on Google's internal data and vetted by the people that built AdWords, this series helps form the foundation of your paid search strategies.

https://support.google.com/adwords/answer/6154846?utm_source=twitter&utm_medium=cpc&utm_campaign=best-practices&utm_content=interests-twitter
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+Jason M. Krumbein, Esq. Thanks for sharing this.  And, welcome to Attorney SEO.
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Jason M. Krumbein, Esq.

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SCOTUS rules that you cannot avoid a wholly unsecured second mortgage in a Chapter 7. http://ow.ly/NJmuA
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Jason M. Krumbein, Esq.

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Commentary on yesterdays Spokeo decision. Apparently, some people don't think that it was that bad, and we CAN bring statutory damages claims.
http://ow.ly/cmop300hOgl
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Jason M. Krumbein, Esq.

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CFPB is about to ban some consumer arbitration agreements. This means that when you have a dispute with a lender, you get a fair trial, in front of real people, instead of industry lackeys.
http://ow.ly/4nsjWo
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Jason M. Krumbein, Esq.

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If you are contacted by a someone who claims you committed a crime, you don't have to pay. Its not a crime. http://ow.ly/V0WqM 
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Jason M. Krumbein, Esq.

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Chase ordered to stop collections on 528k accounts. http://ow.ly/PWmxU
Earlier today, we told you of reports that JPMorgan Chase had agreed to pay at least $125 million to close the books on state and federal investigations into its credit card collections practices. ...
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Jason M. Krumbein, Esq.

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The mortgage mess of 2008 is coming to student loans.
http://ow.ly/NRW13
Lenders are suing without proof they own the loans
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The debt buying business is huge and the machinery is already in place to bear down on the debtors. 
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Jason M. Krumbein, Esq.

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NEW BLOG POST
Been contacted by a scam debt collector? Here is how to try to track them down.
http://ow.ly/McuK4
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There seems to be a lot of that going on. +Cathy Moran shared a link on this about spotting the scammers. Very good.
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Work
Occupation
Consumer Protection Lawyer
Employment
  • Krumbein Consumer Legal Services, Inc.
    Managing Attorney, 2003 - present
  • Krumbein & Associates
    Attorney, 1998 - 2003
Places
Map of the places this user has livedMap of the places this user has livedMap of the places this user has lived
Previously
Richmond, va
Contact Information
Work
Email
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Krumbeinlaw@gmail.com
Address
5310 Markel Rd. Suite 102Richmond, VA 23230
Story
Tagline
Consumer Protection Attorney
Introduction
I am a consumer protection lawyer in Richmond, VA.  My Office website can tell you some about the details, but  my primary areas of practice are COLLECTION ABUSE, CREDIT REPORT ERRORS, ID THEFT, COLLECTION LAWSUIT DEFENSE and BANKRUPTCY.

Please note that I may be a debt relief agent. In some circumstances, I help people file for Bankruptcy.
Education
  • Ohio Northern University
    Law, 1995 - 1998
  • Virginia Commonwealth University
    Criminal Justice, 1995
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Male
Jason M. Krumbein, Esq.'s +1's are the things they like, agree with, or want to recommend.
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