Consumer law, like any area of the law, has complexities and subtleties that aren’t always apart to the public; however, being well-informed and educated about your rights as a consumer is one of the best ways to avoid being taken advantage of or being harassed. That’s why we blog regularly: to make sure you have the information you need to make informed decisions, or to strike back if your consumer rights are being abused. Read on to begin educating yourself now!
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Debt Collectors May Use the Phone as a Weapon to Collect DebtDebt collectors will use many different tactics to try to collect unpaid debt, including several annoying approaches by telephone. Learn how to stop them here.
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Types of Monetary Damages You May Pursue After a Collector Violates the FDCPAConsumers are entitled to protections under the Fair Debt Collection Practices Act. When a collector violates this law, you may be entitled to monetary damages.
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There Are Limited Third Parties That a Debt Collector Can Contact With Regard to Your DebtWhen a debt that you owe is turned over to a debt collector, strict rules apply. Only certain third parties may be contacted by the collection agency.
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Rules That Debt Collectors Must Follow When Contacting Third PartiesWhen a collection agency attempts to collect a debt, it generally cannot contact a third party unless it is seeking location information for the debt holder.
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Debt Collectors Who Violate the Fair Debt Collection Practices Act May Be Liable for DamagesDebt collectors are required to abide by federal law when taking action over unpaid debt. Violating this law could leave them liable to you for damages.
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Information Suppliers Have Obligations to Consumers Under the Fair Credit Reporting ActTo protect consumers, the Fair Credit Reporting Act imposes obligations on information suppliers. Consumers may have a claim if these obligations are breached.
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Know Your Rights When it Comes to Errors on Your Credit ReportCredit reports are an important aspect of any consumer’s life. When an error exists on the report, it is important to understand your rights.
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Credit Problems on your Credit ReportConsumers are being hurt by a lack of federal regulation over credit reporting agencies.