Form 8865 Elizabeth New Jersey 2024-2025

Form 8865 Elizabeth New Jersey: What You Should Know

The following information is provided by the New Jersey Department of Consumer Affairs (Division of Consumer Affairs) to inform consumers about information they may be required to disclose to certain state or federal consumer protection agencies in connection with mortgage loans, consumer credit transactions and financial claims for reimbursement or credit restoration:  Please note that if you are a public or private entity that is a creditor and/or guarantor of a customer's loan, you are considered a “responsible person” for purposes of the consumer disclosure laws in New Jersey (CROP section 14):  “A “creditor” is someone who, by himself or herself or on behalf of or with the consent of others, provides means of repayment of principal, or in any manner facilitates payment of principal, to a customer for a loan or extension of credit.  There is a common misconception that a creditor is “responsible for” a consumer's debt, which is not the case. If you are a creditor, you are responsible for the payment of the principal that you lend and not for the payment of the interest that you pay” (NJ CCA). “The responsibility for the debt rests with the person making the final payment.” Please review the provisions of the Consumer Credit Protection Act of 1978 (CPC PA) regarding the obligation against a person who lends money.   Consumer Credit Protection Act, § 823(d); 28 U.S.C. § 2201 et seq.;  “Each person who (1) sells, offers for sale, or has in his possession or under his control, or who knowingly offers to sell, offer or has in his possession or under his control, any consumer credit product which is not in compliance with any provision of this title shall be deemed to be acting as an agent of the issuer of such product and liable for such violation, and shall not be liable for any civil action by any person resulting from such violation.  It is also unlawful for any person to knowingly sell any consumer credit product which is in violation of § 823(d)(2).”  Please contact your state Attorney General's Office's Consumer Law Protection Bureau to obtain the Consumer Credit Protection Act, 1978 (CCPA) in your state in addition to the federal law. New York City and New York State — New York Attorney General New York City Division of Consumer Affairs P.O.

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