What you need to know about Fair Debt Collection

You have rights when a debt collector is pursuing you. The Fair Debt Collection Practices Act was created to promote fair debt collection procedures and to protect consumers against debt collection abuses. Learn more.

Who has access to your Credit Report

Many Americans consider their credit information to be private information, and it should be. But who has access to your report and who protects your privacy? Read our latest blog post to find out.

Have You Bought a Lemon

If your new vehicle has been subject to multiple repairs for a defect, you may have purchased a lemon.  If you did, you have rights.  Learn more about your protection under the lemon laws.

 

What to do with errors on Your Credit Report

You have the right to have your credit report accurately reflect your credit history.  If your credit report contains inaccuracies that are causing you harm in obtaining credit, employment or insurance, the Fair Credit Reporting Act provides relief for consumers.

 

Are you the victim of Consumer Fraud

Have you been duped into purchasing a vehicle based upon misrepresentations from the dealer as to the history of the vehicle.  Many times, dealerships will hide previous accident history or other undesirable history of a vehicle in order to make a sale.  You have rights against those who commit consumer fraud.

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You have rights as a consumer!

Even though you may be behind in your bills, it does not give a bill collector the right to harass or abuse you for payment.  As a debtor, you have rights.  Find out what a debt collector can and cannot do, or what they must tell you when trying to collect a debt.  If your consumer rights have been violated, we can help.

Are you a victim?

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The law is on your side.

There are laws written to protect consumers from unscrupulous debt collection practices.  Overreaching and abusive practices are not allowed.  In addition, there are consumer laws that provide for assistance in dealing with the burden of paying an attorney to help you with this problem. Let us see if we can help you with abusive collection practices.

Free Case Review?

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You may be entitled to compensation.

Under the Fair Debt Collection Practices Act, you may be entitled to compensation as the law provides for a recovery of up to $1,000.  The law also provides for the recovery of attorneys fees and court costs.  We offer a free case review to determine if your FDCPA consumer rights were violated.  Contact us to discuss your situation.

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Recent Protecting Consumer Rights Blog Posts

Student Loans and Debt Collection

May 30, 2012

There is a difference between original creditors and debt collectors.   The difference is crucial in determining whether or not the Fair Debt Collection Practices Act applies.More >

Fitness Club Collections

May 11, 2012

Do you get collection letters in the mail?  Do not throw them away.  Read them carefully, including the envelope and you might benefit as a consumer.More >

The Debt Collection Letter Cycle

May 09, 2012

What rights do you have as a consumer if you receive notice of a debt from a collector, send them a written demand for validation and never get a response?  Then your debt is passed to another collection agency and the cycle continues.More >

Threats of Wage Garnishment

April 25, 2012

Threats of wage garnishment can be scary.  Sometimes these threats can be real and other times they violate your rights.  Learn how to tell whether your rights have been violated. More >