I personally wish it were not true. I have read about the difference and I have seen the difference in dramatic ways. National law schools, like Harvard, Yale, Berkeley, Columbia, focus on teaching broad principles of law that apply anyplace. Local law schools are not as prestigious but teach broad principles too. Local law schools teach the particular law of the state in which they are located.
It is harder to be admitted to a national than a local law school. If you have a federal issue or issue of broad legal policy, a national law school graduate may have better training. In this case, the issue is a local state one. The most important factor from a consumer viewpoint is that national law school graduates tend to charge more. It does not matter in this situation. Oh, the better the law school the higher the bar exam failure rate.
I think it is because of the focus on state law on the bar exam. Brilliant lawyers graduate from both types of schools and out-to-lunch lawyers graduate from both types of schools.
I was talking with my mom today and she said that her creditors threaten her with things they can do to her so she postdates checks. It gets her checking account messed up and she bounces checks then struggles to pay all the NSF charges. Aren’t creditors supposed to take whatever you can give? Is it really legal for them to pressure her to postdate a check?
I may be wrong, but I always thought that if someone accepts a post dated check from you they’ve given you unlimited payment terms. In other words, the check is no good and they know it, so if it never clears, then they can’t complain.
You mom has rights; and the Fair Debt Collection Practices Act protects those rights; but she needs to know about them and enforce them herself with each creditor that is pressuring her. They can pressure all they want; they cannot lie; they cannot harass.