Vince Rabago Law on Univision News

Patrulla Fronteriza –   Vince Rabago Law – Univision Noticiero  8-6-2015

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¿Pensando en Bancarrota? Consulta gratis.

¿Demasiada deuda? ¿Pensando en Bancarrota? Llame a la oficina legal de Vince Rabago Law, donde los Abogados hablan Español. Consulta gratis. 520-955-9038.

Aceptando casos en todo el estado de Arizona.  Llame hoy.  Hablamos Español.

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Crushing debt? Need bankruptcy? We can help. 520-955-9038

Crushing debt? Need bankruptcy now? We can help. 520-955-9038

Debts? Call Vince Rabago Law for a free bankruptcy consultation. 520-955-9038

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Wells Fargo Fined $185 Million After Employees Opened 2 Million Unauthorized Phony Accounts.

Wells Fargo Bank was fined $185 million after Wells Fargo employees secretly opened TWO MILLION unauthorized Accounts.

Roughly 5,300 Wells Fargo employees were fired for setting up more than 2 million phony accounts.

This is shocking and outrageous conduct.

The Los Angeles Times article about the secretly created phony Wells Fargo accounts can be found here.

The Consumer Financial Protection Bureau consent order against Wells Fargo is available here: 092016_cfpb_wfbconsentorder.

If you are victim of bank fraud or other consumer fraud, give our office a call at 520-955-9038.

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Vince Rabago Law files US Supreme Court case against Wells Fargo over alleged wrongful foreclosure.

Happy Leap Year  from Vince Rabago Law!  2016 is off to an exciting start as we await news on whether the U.S. Supreme Court will hear a case filed by Vince in Anne Mercy Kakarala v. Wells Fargo Bank N.A.

United States Supreme Court

United States Supreme Court

Vince Rabago Law is fighting for justice for Anne Mercy Kakarala, a U.S. citizen originally from India, whose lawsuit alleges that Wells Fargo unlawfully foreclosed on her home, leaving her without a home, and eventually losing her small Indian restaurant. This lengthy legal battle began in 2009, and the current legal fight presented to the Supreme Court is over whether the bank could appeal a federal court’s order allowing Ms. Kakarala to have her case heard by an Arizona jury in state court.

You can read the Petition for Writ of Certiorari here, the bank’s Brief in Opposition here, and our Reply here.

Remember, if you are facing potential foreclosure, see an attorney immediately.  If you want to try to save your home, do not wait until after the foreclosure sale.

If you or a family member or friend need legal help, contact Vince Rabago Law today for a consultation at (520) 955-9038.

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Privacy rights. Do not carelessly throw away your boarding pass.

Airline travel and privacy rights? Why you should never just throw away your boarding pass.  The boarding pass contains codes and personal information which a hacker can use to get YOUR personal information.

Check out this story by USA Today.


If you have questions about your rights or a legal issue, call Vince Rabago Law Office, PLC at (520)955-9038.

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New Bankruptcy Case forms required for 2016

Are you considering filing for bankruptcy to wipe out your debts?  Vince Rabago Law Office PLC is a Tucson bankruptcy attorney that can help you wipe out your debts.

Vince Rabago has a 100 percent success rate in obtaining bankruptcy discharges in Chapter 7 bankruptcy cases.

Did you know that the Bankruptcy case filing forms have changed?  As of December 1, 2015, all of the forms have been changed nationwide for filing bankruptcy cases.

If you have debt problems, bankruptcy may be the solution you need.

Make sure you go with a qualified Tucson bankruptcy attorney who will personally work on your case and give you the attention you deserve.

Call Vince Rabago Law Office to speak with a qualified Arizona bankruptcy attorney, who can give you the bankruptcy advice that you need to wipe out credit card debts, debts from many collection judgments, and sometimes even some tax debts, depending on the circumstances.

Call Tucson attorney Vince Rabago.  Vince Rabago is an Arizona bankruptcy attorney who handles cases all over Arizona.

Vince Rabago Law Office PLC is a Debt Relief Agency, and helps people file for bankruptcy, under federal bankruptcy laws.


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Está pensando en declarar bancarrota y va recibir un reembolso de IRS? (“IRS Refund and Bankruptcy”)

Está pensando en declarar bancarotta? Espera recibir un reembolso de impuestos del IRS? Es muy importante que reciba consejo legal para saber como debe gastar ese dinero de su “IRS refund” antes de declarar bancarrota, y antes de usar ese dinero.  Para mucha gente, el reembolso del IRS puede ofrecer los fondos para iniciar un caso para borrar deudas y obtener un nuevo empiezo, libre de muchas deudas.

Para una consulta gratuita de bancarrota, llame a nuestra oficina Vince Rabago Law Office antes de gastar su reembolso.  (520) 955-9038.  Hacemos casos en Tucson, Phoenix, y todo el estado de Arizona.  Los abogados hablan Español.  (Spanish speaking attorneys).


La oficina legal de Vince Rabago Law Office PLC es una agencia de alivio de deuda y ayudamos a las personas y entidades a declararse en bancarrota bajo el Código Federal de Bancarrota.

  • Tucson Bankruptcy, IRS Refunds, Tucson, AZ
  • Bankruptcy lawyer in Tucson and Phoenix
  • Bankruptcy attorneys
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Arizona nursing school by Brown Mackie College rebuked by State authorities

Are you a victim of potential consumer fraud by Brown Mackie College or  another educational institution?  Educational misrepresentation by colleges or other types of schools can constitute consumer fraud, depending on the facts involved.  Such misrepresentations can cause long lasting financial injury and career injury for students.  Potential problems can occur in a wide variety of educational programs.

If you feel that you are a victim of consumer fraud and educational misrepresentation, please contact Vince Rabago Law Office at (520) 955-9038 or right away to arrange for a consultation to see if your rights have been violated and to determine whether you have a case to seek compensation for injury.

Brown Mackie College in Tucson, Arizona was recently rebuked by the Arizona nursing board after a state investigation of the school’s nursing program.  The school agreed to a Consent Order which made findings of numerous deficiencies and legal violations in the schools’ nursing program.  Among other things, the state nursing board found that the college misrepresented educational opportunities for students, which resulted in students failing to receive the variety and number of clinical learning opportunities necessary for students to achieve program outcomes or even minimal competence.


According to an investigative news article by Tucson reporter Carol Ann Alaimo, published by the Arizona Daily Star on August 1, 2015, titled “Tucson’s Brown Mackie College must test, retrain nursing students,” the local for-profit college “used veterinary supplies to teach its nursing students and sent them to train at a Tucson hospice without faculty supervision, a state nursing board investigation has found.

“The quality of practical nursing education at Brown Mackie College in Tucson was so poor that some students told investigators they worried about what might happen once they entered the workforce, board records show.

As a result of the findings, the nursing board has ordered independent competency testing for the 40 or so Tucson nursing students enrolled at Brown Mackie as of late May, when the board took the action.

Those deemed deficient must be retrained at Brown Mackie’s expense, under the nursing board’s supervision, before they can take the licensing test to become practical nurses.

The retraining requirement is a first for a nursing program in Arizona ….”

In addition, Brown Mackie “also has agreed to stop enrolling nursing students for two years at its Tucson campus, 4585 E. Speedway.

The college’s corporate parent, Education Management Corp. of Pittsburgh, did not comment on the nursing board’s specific findings, but said the firm aims to do right by the nursing students still enrolled. The company’s two-paragraph statement, attributed to Chris Hardman, vice president of communications, said:

“Brown Mackie College Tucson reached an agreement with the Arizona State Board of Nursing regarding its practical nursing diploma program. As part of the agreement, the school has ceased enrolling new students into the program.

“We are committed to ensuring that currently enrolled students in the program receive a quality education that will equip them with the skills and expertise they need to earn a meaningful return on their educational investment.”

Educational investments tend to be larger for students at for-profit career colleges, which offer flexible hours but typically charge higher tuition than public schools.

Brown Mackie’s website lists the estimated cost of attendance at more than $27,000 for its practical nursing program. By comparison, Pima Community College offers the program for around $12,000.


While the nursing board only accredits nursing programs, Brown Mackie’s other programs also will be coming under added scrutiny.

In light of the nursing board’s findings, Brown Mackie’s primary accreditor, the Accrediting Council for Independent Colleges and Schools based in Washington, D.C., plans to review the rest of the school’s operations to see if there are other problems.

“Further investigation will be required to determine whether or not Brown Mackie Tucson is deficient in its compliance with (accreditation) standards,” Anthony Bieda, the council’s vice president for external affairs, said in an email.

Bieda said Brown Mackie Tucson didn’t notify the accreditation council, as required, that it was in trouble with the state nursing board. The board issued its findings in April and May, but Bieda said he only learned of the situation when contacted Friday by the Arizona Daily Star.


Brown Mackie Tucson violated numerous provisions of Arizona’s Nurse Practice Act, the state law that governs nursing education, the nursing board determined.

  • The school lacked proper books, supplies and other tools of the nursing education trade. Student nurses were trained “using veterinary technician supplies because the (college) did not have enough appropriate supplies,” the board found.
  • The nursing board interviewed two unnamed student nurses who felt their education was inadequate. One said “she felt unprepared.” The other told board investigators “she felt unsafe to care for patients.”
  • Brown Mackie
  • Tucson
  • often canceled clinical training sessions at local health-care facilities, sessions required to give students practical experience. The cancellations, with no makeup sessions arranged, “constituted a misrepresentation” to students about the level of education they would receive, the board said.
  • In January, student nurses were sent to the Agape Hospice in Tucson without a faculty member present to supervise them, as required by law.

Bill Holmes, Agape’s CEO, said his patients were not endangered because members of the hospice’s staff were always present during the short-lived arrangement. He said Agape canceled the sessions soon after they began because dealing with Brown Mackie proved difficult.

“Students did not show up when scheduled, or showed up late. There was no communication between the college and Agape staff,” Holmes said. “Agape notified the instructor, in writing, of these concerns, and immediately canceled any future participation in the program.”

  • Nearly half of the Brown Mackie nursing students who took licensing exams failed them during the first quarter of this year. The 55 percent pass rate is far below the 80 percent minimum pass rate the nursing board expects from nursing school programs. The high failure rate supports student claims that their education was inadequate, the board said.

Taken together, Brown Mackie’s violations constituted “unprofessional conduct,” the nursing board found.


Of added concern to Brown Mackie’s primary accreditor, the chain’s Phoenix location has been cited twice since November for deficiencies in its registered nurse program. The Phoenix and Tucson locations are branch campuses of the larger Brown Mackie chain, said Bieda, the accrediting council executive.

The Phoenix nursing program was cited for violations including grade tampering, enrolling a student who didn’t qualify for admission and failing to provide students with materials they needed to learn how to care for patients with mental health needs.

Two Phoenix Brown Mackie students who were given passing grades on a nursing assignment they failed “posed a risk to the safety and well-being of potential patients,” the nursing board ruled.

One of the Phoenix students graduated from the program “deficient in essential medication administration skills needed to perform safely,” the nursing board said.

Bieda, vice president of the accrediting council, said routine reaccreditation visits were scheduled for this fall at Brown Mackie’s Phoenix and Tucson locations. But the visit dates may be moved up in light of the problems at both nursing programs.

Taken together, the circumstances demand that the accreditor “apply additional scrutiny to these campuses,” he said.

The Education Management Corp. website said the firm “is among the largest providers of private post-secondary education in North America.”

In addition to Brown Mackie, the company also operates South University, Argosy University and The Art Institutes chain, which includes the Art Institute of Tucson.”

Source:  Arizona Daily Star:  Link to the article “Tucson’s Brown Mackie College must test, retrain nursing students here.

Here is a copy of the Consent Order for Brown Mackie College.

Vince Rabago of Vince Rabago Law office has experience investigating and pursuing educational misrepresentation and consumer fraud claims, and representing the interests of students.  As an Assistant Arizona Attorney General, Vince Rabago successfully investigated and pursued Tucson College for alleged consumer fraud in its criminal justice program, which resulted in a lawsuit and a consent judgement that reversed nearly a half million dollars in student loans for the students enrolled in the allegedly deceptive criminal justice program. See the Tucson College Settlement Press Release here.  Vince Rabago was also part of the statewide legal team which conducted a Statewide investigation of all colleges and universities in the State of Arizona regarding potential injury from lending practices that including claims of “preferred lenders;”  the investigation led to most colleges and universities in Arizona adopting a Student Lending Code of Conduct, designed to insure transparency and protect student borrowers.  Click here for information and the Press Release on the Arizona Student Loan Code of Conduct.

If you feel that you are a victim of educational misrepresentation, please contact Vince Rabago Law Office at (520) 955-9038 or right away to arrange for a consultation to see if your rights have been violated and to determine whether you have a case to seek compensation for injury.

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Court limits cell phone searches without warrant or consent

In a case of first impression in Arizona, the Arizona Court of Appeals tossed out an unlawful police search of a suspect’s cell phone. Applying Supreme Court precedent, the Court held that police cannot search the cellphone of someone they have not arrested without either a warrant or the owner’s consent.

In State v. Feliciano Ontiveros-Loya, the court of appeal rejected arguments that Pima County sheriff’s deputies had a right to look through the cell phone during their investigation of whether the suspect threatened a woman who said he had a weapon.

Officers found a picture of a silver handgun on the phone. Although officers never found a gun, the evidence was used to convict Ontiveros-Loya on charges of illegal firearm possession. He was sentenced to eight years in prison.

But the Court of appeals held that deputies had no legal reason to look at the phone. Although officers did eventually obtain a warrant, evidence suggested that pictures on the phone — to which the police had no lawful right to access — were improperly used as the basis for the search warrant.

The Court explained that although police can take possession of a cell phone to prevent suspects from erasing incriminating information, the court concluded this was not a threat here because the suspect was placed in a patrol car and the cell phone was in his motel room.

Even if the phone was properly seized to prevent deletion of evidence, the police would have to obtain a search warrant based on a showing of probable cause before a judge.

The Court cited to U.S. Supreme Court precedent in Riley, which pointed out the significant role that such electronic devices play in people’s lives:

In Riley v. California, the Supreme Court considered “whether the police may, without a warrant, search digital information on a cell phone seized from an individual who has been arrested.” ___ U.S. ___, ___, 134 S. Ct. 2473, 2480 (2014). There, officers searched each arrestee’s person incident to arrest and found cell phones, which the officers also searched. Id. at ___, 134 S. Ct. at 2480-81. The Court observed that the two risks identified in Chimel—harm to officers and destruction of evidence—do not exist when the search is of digital data. Id. at ___, 134 S. Ct. at 2484-85. The Court also reasoned that “[a] search of the information on a cell phone bears little resemblance to [a] brief physical search” because “[c]ell phones . . . place vast quantities of personal information literally in the hands of individuals.” Id. at ___, 134 S. Ct. at 2485.  Thus, the Supreme Court held that “officers must generally secure a warrant before conducting” a search of a phone found on the person of an arrestee. Id.

The Deputies denied using the photos to get the search warrant that they obtained, but prosecutors never produced the affidavits used for the warrant.

As such, the Court held: “There was no testimony that would allow the court to conclude the officers could have obtained the warrant to search the cell phone without the photographs found in the initial search.”

The appellate court also concluded that there was no evidence that the suspect’s consent to search the motel room necessarily included the right to search the phone, and remanded the case for a limited hearing on whether the suspect consented to search the phone, a contention which Ontiveros-Loya’s attorney, Pima County Public Defender Erin Sutherland-Martinez, disputes.

Here is the Court’s  decision.

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