People Come First At Our Consumer Rights Law Firm
In light of the fact that the Fair Credit Billing Act (“FCBA”) is such a lengthy statute, I thought it best to break it up into two discussions. While last week’s blog focused on “billing errors”, the most in depth topic of the statute, today’s blog is dedicated to the additional regulations of the FCBA and how the Act is…
Unwanted calls can be disruptive and stressful. There are laws that protect consumers against unwanted, automated sales calls on your cell phone. Robo-calls on your cell phone that violate the Telephone Consumer Protection Act (“TCPA”) will allow you to recover $500 per call. Under the TCPA, it is against the law to call a cell phone: ■with an autodialing system and,…
Register your personal phone numbers on the Do-Not-Call Registry and see how it can help you. The Do-Not-Call List defined The National Do-Not-Call Registry was established in 2003 to help people stop getting unwanted sales calls. You can register your landline and your cell phone. The list includes only personal phone numbers, no business number or faxes are included. Registering for…
Often times in an attempt to collect a debt, collectors will threaten to report accounts to the credit reporting agencies if you refuse to pay. Debt collectors use this threat as a scare tactic and it usually works as many consumers have a great deal of concern for their credit standing. There are both permissible and impermissible circumstances in which…
When you hear the term credit reporting agency, you typically think of the big 3 reporting agencies that report your payment history and balances; Trans Union, Equifax and Experian. The Fair Credit Reporting Act (FCRA) provides consumers with a number of rights when it comes to dealing with a credit reporting agency including a free copy of your credit report…
It is incredible what lengths a debt collector will go to in an effort to collect a debt. Over the last several years, collection agencies have purchased what is considered junk debt from credit card companies, telecommunication companies, health club memberships, etc. for mere pennies and targeted debtors to make payment on this debt that is likely passed the statute…
Identity theft comes in many forms and faces, and can hit anyone at any time. Believe it or not small children can be victims of identity theft if they have a Social Security number. It doesn’t matter what your social economic status is; if you have any credit, or any credit card, a sophisticated identity thief can help themselves to…
One of the most damaging credit score killers are unpaid tax liens. Unpaid tax liens can damage your score for years to come and will continue to cause damage even after they are “released” or paid. An unpaid tax lien can remain on your credit file indefinitely per the Fair Credit Reporting Act (“FCRA”). A new policy proposed by the…
A bill introduced to Congress this past week would allow consumers who are behind on their medical bills up to 120 days to work out a payment plan with debt collectors prior to the debt being reported on their credit file. This proposed amendment before Congress, called the Accuracy in Reporting Medical Debt Act, would allow debtors a grace period…
There is often a great deal of confusion about what rights you have as a consumer when it comes to requesting validation from a debt collector. The Fair Debt Collection Practices Act (“FDCPA”) explicitly provides consumers with this right and defines in the statute the duties collectors have prior to continuing their collection efforts. As a general rule, a collector…