No Thanksgiving would be complete without sending up a big thanks to Congress for the Garn-St. Germain Act.   What? You’ve never heard of Garn -St. Germain? Grab yourself a cup of coffee and settle into a comfortable chair. This is one story you want to hear. Why Did The Garn-St. Germain Depository Institutions Act get Passed? It starts back in 1982 with a seemingly-innocent little paragraph known as the “due-on-sale clause.” This...

So you are told that your deposition will be taken. What does this mean? What do you need to know? What will happen? First, you need to have a basic understanding of what a deposition is. Simply put, a deposition is a tool for discovering facts and information by asking questions of a person. It is always done in connection with a lawsuit, either pending or potential. (In this...

If you live in Texas then you know that a bright sunny sky can shift to a blinding hailstorm in a matter of minutes.  Tornados?  Earthquakes?   Wind storms?  Texans know these can, and do, pop up with alarming regularity.   That is why most sane Texans carry property insurance.  That is also why insurance-toting Texans need to know about  the Texas Prompt Payment of Claims Act.   The TPPCA may well be...