People Come First At Our Consumer Rights Law Firm
For most consumers, medical debt is one of the strongest sources of stress and is largely responsible for consumer bankruptcy filings in the United States. Medical debt can wipe out savings for even the most responsible consumer. Medical emergencies can appear out of nowhere and even one who saves and plans for their future may not be prepared for these…
Understanding the credit reporting “lingo” is not always easy to understand and the terms and dates involved in reporting can be a little confusing. While each credit reporting agency has its own style of reporting, every single credit report has one common obligation, to report your information accurately. When reviewing your report, find the section titled “Creditor Information”, “Credit Items”…
Pulling a copy of your credit reporting in 2016 in an effort to get your finances in order can be downright scary. After a thorough review of your report, discovering that it is not perfect but riddled with errors and inaccuracies means it is time to lean on the Fair Credit Reporting Act (“FCRA”) and assert your rights to correct…
A lot of consumers call us up after being pursued by a debt collector and ask us whether they should try to make payments on the debt. The collector claims you owe the money, but you are just not sure. Maybe you paid it, or maybe you don’t recollect having such a debt. You check your credit report and it…
The CFPB made a New Years Resolution in 2016 to crack down on debt collectors nationwide. The agency has been using the Fair Debt Collection Practices Act (“FDCPA”) in years past in its mission to target third-party debt collectors for mistreating consumer debtors during the collection process. But this year, the CFPB plans to also focus its effort on first-party…
It may seem like an impossible feat, but boosting your score in the year to come does not have to be as difficult as you think. Maintaining a good credit score can be as simple as following directions and committing to being financially responsible. First and foremost, make every effort to pay your bills on time. Your payment history…
As an attorney that handles Fair Credit Reporting Act cases, I am often called by consumers who claim errors on their credit reports in order to review their report. Lately, more and more often the consumer will send in a report from Credit Karma. This seems to be the hottest new thing for consumers to view their credit report and…
A first for the two major consumer protection agencies, a unity or meeting of the minds, between the Federal Trade Commission (“FTC”) and the Consumer Financial Protection Bureau (“CFPB”). These consumer agencies came together for the first time to try to protect consumer rights across the board. The goal, “Operation Collection Protection”. This initiative will unite all the federal agencies…
In 2009 the Federal Government signed into law the Credit Card Accountability, Responsibility and Disclosure Act, or Credit CARD Act. This law was aimed at improving the industry for consumers and stopping the overall abusive practices of the credit card business. In 2011, the Consumer Financial Protection Bureau (“CFPB”), the agency in charge of consumer protection in the financial marketplace,…
As the year comes to a close, debt is a common concern for many consumers. Whether you were a little less than conservative during the holiday season or accrued debt during the year that you have not been able to pay off, the Fair Debt Collection Practices Act (“FDCPA”) will protect you from debt collectors. Consumers all to often fall…