The federal government and individual states have a framework of laws in place designed to protect individual consumers. These laws cover a range of subjects, including debt collection practices, credit reporting errors, identity theft, telephone and text communications, and more. Unfortunately, companies sometimes violate these...
If, like many Americans, you find yourself on the receiving end of what feels like an endless barrage of telemarketing and “robocalls,” the Telephone Consumer Protection Act 47 U.S.C. § 227 may hold the key to returning peace and quiet to your home. What is...
What is the Fair Debt Collection Practices Act? If you are like most people, you may have heard of the FDCPA, but do not really understand what it is or does. The FDCPA is federal law, enacted by Congress in 1978 and amended over the...
Credit reports are probably not the type of reading material that most people find interesting; however, you might want to pay attention to them. Your credit report and credit rating help determine whether you are approved to borrow money for important major purchases, such as...
Identify theft is the stealing of any personally identifiable information — such as your name, social security number, address or credit card information — for the purpose of committing crimes or other fraud. In 2019, the Federal Trade Commission (FTC) received 650,572 complaints regarding...