Protecting Military Families

10/21- VA Accredited Attorney Talks About the Military Lending Act, and How It Can Apply to You

Protecting Military Families WOKTV 104.5 👉 6:30am- 7:30am  Every Sunday --------------------------------------------------------- •✅Website -  👉https://www.brochulaw.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqblRFd3E0SmJxYjNWeEV0QTNWTnVIYW5waF9IUXxBQ3Jtc0ttbko4akpXaG9aMTQ2YzNONVdqQ29yQkpLbzFzOFFrRV9PZDB1VllzMVpUNW9fQTZ0U3V6YkZhY1lvU0hIZG9pMjY1WjJjLWExZ3RGYmpva2VfRnBDYWFaYktRTHQydWk2aXJiVmVteWhVUm1UOVdnWQ&q=https%3A%2F%2Fwww.brochulaw.com%2F&v=Ku1CuTl0Zlw] •✅Instagram - 👉  https://www.instagram.com/brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWVNRUZvejR2Y1pUX2dock1vaEwtQkJncGNXQXxBQ3Jtc0tuaXdQaVdGZFZfWm5RUUUydFRqd2U3OVFqaktwQ3RhZTNxUVBGUGVuTThfOU1ockxMbTRnOGlXVm1pYllRSDR4NnZqNHNnaFpqdUZWVWV5UWNIMVV2TGhIMzF1MDFXTnBKdXRnOHVxLUVVOVBVUVpMNA&q=https%3A%2F%2Fwww.instagram.com%2Fbrochulaw&v=Ku1CuTl0Zlw] •✅Facebook - 👉  https://www.facebook.com/Brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbHYxMEtVM0h3UmpHUVdrZWEyM2ZjWTNoeG5VZ3xBQ3Jtc0tsc2hqSzdSUVRJZnpEY2thQ0FuRlpzblFxMThYSTRLMERwYnAtOWpkeDJrWk1SeE5QN3pQR0hZb0cyeThDckpMbF9oaFlrMlBKc0tUZ3UtMEtEMWdCUmlMYzI1YjdqaEVtRVJVS0NfM2lRZXktX29aQQ&q=https%3A%2F%2Fwww.facebook.com%2FBrochulaw&v=Ku1CuTl0Zlw] -------------------------------------------------------------- Listen On Spotify 👉 https://tinyurl.com/Brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGhFU2ZidnZMOVlJZEZSSmRtLVRvNGNsckVrd3xBQ3Jtc0trSzVHSGx4b21ucVRwZ21ISWJxV2wxUjgxcXlxbnhuU2pIb3c3cHBIcFBBQ1VCMVFTcDJxU3RnTjZxSmpjYzdwUTBZdkx2NTJ4WDBNd2d2eUtIVW9LR1NqYlU4dzhna3VjQ2hIZXJUdDYyQWNESmZsNA&q=https%3A%2F%2Ftinyurl.com%2FBrochulaw&v=Ku1CuTl0Zlw] Listen On Apple Podcast 👉 https://tinyurl.com/BrochuLaw-Apple [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa0xoNDFqcHZTbVl0X0czYm1OcDNnRzV1R01EUXxBQ3Jtc0tuUGNzWVNxcURfbmZVQWRHa0ZzWGdtUWE0TFhUbkhBR3FBRlFxUkYxZmVJT0ljT2QwcWRZRDJFRVdXOWc5WlBGQkd3d1hCVmpheC1RVGtmSVZTcUpHVk5xN1F4VlhoN05CM1pwR0szVjcyZmc4b2ZzQQ&q=https%3A%2F%2Ftinyurl.com%2FBrochuLaw-Apple&v=Ku1CuTl0Zlw] The Military Lending Act (MLA) provides special financial consumer protection for active duty servicemembers, and their dependents and families. The MLA is a Federal law that protects servicemembers and military families from predatory lending practices regarding interest rates, loans, fees, disclosures, allotments, and other requirements that a lender may set forth as terms of a consumer loan. As an active duty servicemember or military family member, it is important to understand what your rights are in relation to the MLA, including what types of loans are covered by the MLA, what types of companies violate the MLA, and what actions you can take to fight a predatory military loan. 36% cap on interest rates. A consumer credit provider cannot charge more than a 36% Military Annual Percentage Rate (MAPR). This includes costs such as: Finance charges Credit insurance premiums Add-on credit-related products sold in connection with the credit Fees such as application fees and fees for debt cancellation contracts (some exceptions) No mandatory waiver of certain legal rights. A credit provider cannot require you to submit to mandatory arbitration or give up certain rights that protect you under Federal or State law such as the Servicemembers Civil Relief Act. No mandatory allotments. A consumer credit provider cannot require you to create a military allotment as a term of receiving a loan. No prepayment penalty. A consumer credit provider cannot charge a servicemember a penalty for making an early payment for all or part of a loan.

10/16 - Everything You Need To Know About Camp Lejeune

Protecting Military Families WOKTV 104.5 👉 6:30am- 7:30am  Every Sunday ----------------------------------------------------------- •✅Website -  👉https://www.brochulaw.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbi1GQ2k1U3pxWHNfZUNJM1JhSU9yZEFLOFRvQXxBQ3Jtc0tub2VaeEktMVBRcnZxNGVHaXZOencweERxdlMxSG5xcXh1SjhHTklVcks2Sm5xRjVGeTVtdzVONTZIQmRMcEx3X2ZKMGhxazIyaVF2YUtkNmtOb2wtZWpqd3IzYWNjSmVVT1JQcWJiWklEazdKdE5POA&q=https%3A%2F%2Fwww.brochulaw.com%2F&v=9EG8ONaaXXY] •✅Instagram - 👉  https://www.instagram.com/brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqazVpRmIta3k1TEFGZDBuU1U1NWpQR3NUVHl0QXxBQ3Jtc0tscGQ5a1hueUxzVFc4bXpwQlBic19zdjVfVXdyeXd5V1dEMW1JbFFRUUk5Y1VSSDAxZk0yNzh6VXVXb05KbmE1VDlCVFZmaFQ0N2hud05tSERsdHBhSG1aSEhYeHJHa3o2Wlp3bFU4dmNyaDgzYTJDaw&q=https%3A%2F%2Fwww.instagram.com%2Fbrochulaw&v=9EG8ONaaXXY] •✅Facebook - 👉  https://www.facebook.com/Brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbHdHbGhfREtMQU5hYklJd0Y1SmxkanhLd0xzQXxBQ3Jtc0ttV2VnZVRlNE5ZN0tPVXo4dGJLUFBwa2NrVFJzYWpiN2FuYm5WUU5jMGJ6WldYbGszTWNSWEx0NFc4dTBtSlQzOTc1WWhDcEs3S0xHN2VPSkx2Q0NCQ2hTbnhZcUktX2JmS1h6bVNxMmoxd2ZvSkNlMA&q=https%3A%2F%2Fwww.facebook.com%2FBrochulaw&v=9EG8ONaaXXY] ---------------------------------------------------------------- Between 1953 and 1987, servicemembers, military families, and civilian employees stationed at Camp Lejeune consumed poisoned drinking water. Camp Lejeune water toxin levels were 240 to 3600 times more toxic than the levels permitted by environmental safety and reasonable consumption standards. The toxic water contamination is linked to several of the base wells including Tarawa Terrace, Hadnot Point, and Holcomb Boulevard. The primary toxins polluting the drinking water were VOC’s (volatile organic compounds). The poisoned water is attributed primarily to dry-cleaning solvents, degreasers, jet fuel, and chemicals used on heavy machinery. As a result of Camp Lejeune water testing, we know that over 70 toxins have been recorded in Camp Lejeune drinking water, containing some of the most toxic and harmful know to mankind  Brochu Law, PLLC represents military families and consumers nationwide* *Disclaimer –Christopher J. Brochu, Esq. is licensed to practice law in the State of Florida. Brochu Law, PLLC works with co-counsel in accordance with state and federal law.

10/09 - Military Lending Act

The Military Lending Act (MLA) provides special financial consumer protection for active duty servicemembers, and their dependents and families. The MLA is a Federal law that protects servicemembers and military families from predatory lending practices regarding interest rates, loans, fees, disclosures, allotments, and other requirements that a lender may set forth as terms of a consumer loan. As an active duty servicemember or military family member, it is important to understand what your rights are in relation to the MLA, including: what types of loans are covered by the MLA, what types of companies violate the MLA, and what actions you can take to fight a predatory military loan. As outlined by the Consumer Financial Protection Bureau (CFPB) [https://www.consumerfinance.gov/consumer-tools/educator-tools/servicemembers/military-lending-act-mla/], the MLA provides servicemembers with the following rights: 1. 36% cap on interest rates. A consumer credit provider cannot charge more than a 36% Military Annual Percentage Rate (MAPR). This includes costs such as: * * * Finance charges * Credit insurance premiums * Add-on credit-related products sold in connection with the credit * Fees such as application fees and fees for debt cancellation contracts (some exceptions) 2. No mandatory waiver of certain legal rights. A credit provider cannot require you to submit to mandatory arbitration of give up certain rights that protect you under Federal or State law such as the Servicemembers Civil Relief Act. 3. No mandatory allotments. A consumer credit provider cannot require you to create a military allotment [https://brochulaw.com/unlawful-mandatory-military-allotment-under-military-lending-act/] as a term of receiving a loan. 4. No prepayment penalty. A consumer credit provider cannot charge a servicemember a penalty for making an early payment for all or part of a loan. While the MLA does provide certain protections to active duty servicemembers, it is important to know what types of loans are and are not covered by MLA. The loans that ARE covered under the MLA include: * * * Installment loans * Payday loans * Pawnshop loans * Deposit advance products * Tax refund anticipation loans * Vehicle title loans. * Overdraft lines of credit but not traditional overdraft services. * Certain student loans * Credit cards * Other consumer credit products The following types of loans ARE NOT covered by the MLA: * * * Residential mortgages * Other types of secured consumer debt  If you are an eligible servicemember covered by the MLA and believe that one or more of your rights under the MLA have been violated, you should understand what actions you can take to fight back against the consumer credit provider. You should contact an attorney to discuss your specific situation and what actions may be taken. If your  rights have been violated, an attorney can help you file a complaint with the Consumer Financial Protection Bureau (CFPB), file a lawsuit, and determine any damages that might be owed as a result. Brochu Law, PLLC represents Military Lending Act claims on a contingency fee basis. There is no fee unless you win. We advance all costs on behalf of our clients. Brochu Law, PLLC represents military families and consumers nationwide* *Disclaimer –Christopher J. Brochu, Esq. is licensed to practice law in the State of Florida. Brochu Law, PLLC works with co-counsel in accordance with state and federal law.

9/11: Protecting Military Families

Chris Brochu is back for another edition of "Protecting Military Families." Brochu Law, PLLC represents Military Lending Act claims on a contingency fee basis. There is no fee unless you win. We advance all costs on behalf of our clients. Brochu Law, PLLC represents military families and consumers nationwide* *Disclaimer –Christopher J. Brochu, Esq. is licensed to practice law in the State of Florida. Brochu Law, PLLC works with co-counsel in accordance with state and federal law. Do You Think You May Have a Potential Claim? Brochu Law, PLLC -------------------------------------------------------------------- Contact Mr.Brochu •📧| C.Brochu@BrochuLaw.com •📞| 904-201-1771 •Located | 841 Prudential Drive, 12th Floor Jacksonville, FL 32207 -------------------------------------------------------------------- Protecting Military Families WOKTV 104.5 👉 6:30am- 7:30am  Every Sunday --------------------------------------------------------------- •✅Website -  👉https://www.brochulaw.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnpnSVJNcVJTb2MzX3hFckxpcjkxdHlEbDFFd3xBQ3Jtc0ttUXdwOG54NXV6eGo5bGxLcWpIRkdCUWFiblRXV1I4cWZ4bzduejkxa2duRWhDNFUwR2JNQnB2TDdBRUh5U1A1b0xnOWFNZG5PY0V2V0RwVDF4NlNwWkZPMGxzWXRCRk1pQUxoM1Fob0oxSDlQZklBQQ&q=https%3A%2F%2Fwww.brochulaw.com%2F&v=K09ZPWGRqgw] •✅Instagram - 👉  https://www.instagram.com/brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbEZLREdHWFpIZEMtZ183WE80WnllYnR3RjBCUXxBQ3Jtc0tub3Y2U2hjMWxIRk1iUmZyRDhYN0M2NHpBRE9WdjRhV0diYnRGendHWWpGTlg3b3pSN1M0eFRCZ1J6ZjFzWEZMRkJpZWNCb3Z1a1kzZnhNeFNKTWhranJPeE5wbnp6c1NUWlh6bHpXazBGaHpvUFZYTQ&q=https%3A%2F%2Fwww.instagram.com%2Fbrochulaw&v=K09ZPWGRqgw] •✅Facebook - 👉  https://www.facebook.com/Brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbDFXdmc3dkxOZTBvS0syS1RJYzgydFVsMGpnUXxBQ3Jtc0tsZUtOZ3ZLaWIzSGoyMlk3Y0RnUVdFd21udElfenViX2RmRHhJQ1pqWHVhXzRyY01Zai1Bc0h4ekd0MS1ZZU1XRENaMWZ3WHh6LWdKZzZvaWdRUmdEcFYzdHFQd0NCQzhwVkthZGF4cUFzOVROb3dqYw&q=https%3A%2F%2Fwww.facebook.com%2FBrochulaw&v=K09ZPWGRqgw] --------------------------------------------------------------------

9/4: The Independence Fund

https://give.independencefund.org/giv... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqazZlS2tKNjZnWGFNU3JjM2JyaEh2dWZoOU1TUXxBQ3Jtc0trX2tfeXRGbTg5VDRWUVd5R1FXSFRxT0taelRveWVBM2JsZzJ0WDJoaEpMNVZudkl4bzlBN2lLbVZkN1phRmV0WkxpRERGZFFIWnJCdlU5UnpRRzV5QklaQjY3clBxU2RvRGNsd09NVDV3NWtjdFA3SQ&q=https%3A%2F%2Fgive.independencefund.org%2Fgive%2F423753%2F%23%21%2Fdonation%2Fcheckout&v=K09ZPWGRqgw] https://independencefund.org/pages/ap... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGg5QVc3bTZEbDAtWkhVZEpSakQwckRPdl9Xd3xBQ3Jtc0tuT0FyN0gzZEZSeGh6eDB2U0txcF93THQ0UDIwVUhwWEZwbkZkUGR0cnVwUEM0bFBVREJrS2JMd2RoMWk1OU93cG42aUE5TEFSbVFrbjI1U1pSM1VaNkFEUUJNT3Q0T1NWQUhWX3pCTE9IOXQyVnpkWQ&q=https%3A%2F%2Findependencefund.org%2Fpages%2Fapply-for-assistance&v=K09ZPWGRqgw] @DanielTElkins Founded in 2007, The Independence Fund is committed to empowering our nation’s catastrophically wounded, injured, or ill Veterans to overcome physical, mental, and emotional wounds incurred in the line of duty. We are dedicated to improving the lives of both our Veterans and their families. Through our Mobility, Caregiver, Advocacy, Casework, Operation RESILIENCY, Independence@Home and Family programs, The Independence Fund strives to bridge the gap of unmet needs for Veterans and their Caregivers. Advocacy For Veterans returning with the scars of war, the fight doesn’t end upon their arrival home. Unfortunately, some of the biggest battles are with the very institutions that are supposed to be on their side. We are fighting for those who fought for us! Heroes at Home Our Family Program, called Heroes at Home, provides assistance to the families of catastrophically wounded, ill, and injured Veterans, through great experiences and a much-deserved break from the typically 24/7 lasting effects of war. Operation RESILIENCY Together, The Independence Fund and the VA are combating Veteran suicide and reuniting these Veterans with independence. The goal is to ensure the unit that experiences the battle together, experiences healing together. Protecting Military Families WOKTV 104.5 👉 6:30am- 7:30am  Every Sunday --------------------------------------------------------------- •✅Website -  👉https://www.brochulaw.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbVEzY2J5bDlnTW5hLThXbTlmUmxLN2E4VVV2Z3xBQ3Jtc0tsSWtGN3VBdl9DbHdBWDhyeUYzSEF6SU8wMk11UmQzcWlyTGkzZ1g3TWQ5QVJFMkdfNldGU0xfVDFfcjlmRUtOVk5VcTY3QmozSFBDTjI4QWJLTXUxdmIxODVHRlNyOGl3TXVDdHJUTXNpbGsybURhOA&q=https%3A%2F%2Fwww.brochulaw.com%2F&v=K09ZPWGRqgw] •✅Instagram - 👉  https://www.instagram.com/brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbjgteTlycHVScFI2SVlBZDFycVhqWkFndC1YQXxBQ3Jtc0tuZm9FajU5TzF4UzdRMFk4bmxNVk1RTURpODAwV1g2Rk1BRnVHR1dWRHJOcDFyZzdhXzd6aWhjSEE1WHBJSzROOE0wUTE1elN3Tnl5UTFVeU9IRWI2YnVOdlBVaVhyVm80QjNmUlN3TFZVcHZMaFY3RQ&q=https%3A%2F%2Fwww.instagram.com%2Fbrochulaw&v=K09ZPWGRqgw] •✅Facebook - 👉  https://www.facebook.com/Brochulaw [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbXpHOWp5dnV6QzJPWEdHeHFGTUplTnNXc0t4Z3xBQ3Jtc0ttY01Id2tId0FsY2Z5TkJMc1pIM1BRZ2s4eWdQbkFyOTA0amZzQ3lhZHNZSnBXaEduY2VHdzRKSzM5bEhVWWEzRkxWSnpxN0FPOGo2Qkl1UndHVmZ0WWxlZFYzc3dqOVlaZDhhT0k5V1Y4RFdvQ1gySQ&q=https%3A%2F%2Fwww.facebook.com%2FBrochulaw&v=K09ZPWGRqgw] *Disclaimer –Christopher J. Brochu, Esq. is licensed to practice law in the State of Florida. Brochu Law, PLLC works with co-counsel in accordance with state and federal law. Do You Think You May Have a Potential Claim? Contact Mr.Brochu •📧| C.Brochu@BrochuLaw.com •📞| 904-201-1771 •Located | 841 Prudential Drive, 12th Floor Jacksonville, FL 32207