Consumer Law & fraud : Law & Legal & Attorney

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Security Freeze Laws

Security Freeze Laws

Security freezes lock your credit history to avoid identity theft.lock image by Dwight Davis from Fotolia.comUnited States consumers may place security freezes on their credit histories. These freezes, also known as credit freezes, prohibit most creditors from accessing the consumer's.........[Read More]
Cohasset, MA Poultry Bylaws

Cohasset, MA Poultry Bylaws

Town bylaws in Cohasset, Massachusetts regulate the raising and keeping of poultry by residents. Zoning bylaws strictly limit commercial operations, but residents can generally keep poultry for their own use if it doesn't pose a nuisance to their neighbors.......[Read More]
New Home Warranty Act in Louisiana

New Home Warranty Act in Louisiana

The New Home Warranty Act in Louisiana is a standard warranty that extends to all homeowners who solicit the construction new home. The act provides coverage to homeowners who hire builders, and acts as a warranty extended to the homeowner that is guaranteed by the builder. The builder must follow t......[Read More]
How to Get a Free Credit Report From TransUnion

How to Get a Free Credit Report From TransUnion

The Fair Credit Reporting Act allows eligible consumers to receive a free copy of their credit report. A free credit report can be requested from TransUnion if a consumer has been denied credit in the last six months due to a negative report from TransUnion. Consumers who are unemployed or receiving......[Read More]
New Car Lemon Laws

New Car Lemon Laws

Buying a new car is an exciting, happy event--unless that car turns out to be a lemon. Lemon Laws give consumers who have purchased a defective new car options to resolve the problems in a low-cost manner, provided that the consumer has kept accurate records and followed the procedures required by h......[Read More]
Statute of Limitations on Debt in Oregon

Statute of Limitations on Debt in Oregon

A statute of limitation on debt is the amount of time in which a creditor must sue you for an outstanding debt or forfeit the right to a valid, enforceable claim against you.......[Read More]
Penalties for Identify Theft in Oregon

Penalties for Identify Theft in Oregon

Stealing an identity in Oregon is a Class C felony.Hi Detail Fingerprint 2 image by Andrew Brown from Fotolia.comIn 2007, Oregon passed its Consumer Identity Theft Protection Act that enhances protection of your personal information. Features of the act include security freezes to prevent.........[Read More]
Consumer Lender Laws

Consumer Lender Laws

Laws regulate consumer lending.buyer image by martin schmid from Fotolia.comConsumer lender laws are designed to provide clear lending regulations and to protect the consumer from deceptive and harmful practices. Three key acts that regulate both consumer credit and lending are the Equal.........[Read More]
How to File an Anonymous Complaint at the DCA in New York State

How to File an Anonymous Complaint at the DCA in New York State

New York state has government-run programs that assist, advocate for and protect consumers. The Department of Consumer Affairs (DCA) is a program in New York City, and there is the Division of Consumer Protection (DCP) available state-wide. The programs exist to assist those in financial need during......[Read More]
Federal Warranty Law

Federal Warranty Law

The Magnuson-Moss Warranty Act of 1975 is a federal law that affects the rights of consumers and the obligations of companies with regard to written warranties.......[Read More]
How Can I Remove an Authorized User From My Credit Report?

How Can I Remove an Authorized User From My Credit Report?

Credit card companies often allow cardholders to include other people on their accounts. These authorized users can use your credit card just like you can but are often included in an effort to "piggyback" on the cardholder's credit history. Removing an authorized user from a credit report does req......[Read More]
What Are the Duties of a Collections Defense Lawyer?

What Are the Duties of a Collections Defense Lawyer?

Collections defense lawyers can help people overwelmed by debtdebt defined image by Christopher Walker from Fotolia.comCollections defense attorneys defend clients against debt collectors. Debt collection agencies can be very aggressive and tend to overwhelm debtors with phone calls and.........[Read More]
Laws on Collecting Old Debts

Laws on Collecting Old Debts

Under new laws, debt collectors may not threaten or otherwise harass you.money image by shime from Fotolia.comDebt collection can cause a great deal of stress if you are trying to pay your bills and maintain enough income with which to live. Laws have been put into place enumerating your.........[Read More]
How to Spot a RFID Chip

How to Spot a RFID Chip

Radio frequency identification (RFID) is a form of auto-identification, or "Auto-ID," like barcodes, but relies upon a radio signal versus a bar-code scan. It is highly controversial. California Gov. Arnold Schwarzenegger signed a law banning mandatory implantation of RFID in humans (like prisoners ......[Read More]
What Happens When a Collection Agency Takes You to Court to Collect Debt?

What Happens When a Collection Agency Takes You to Court to Collect Debt?

When a collection agency or debt buyer takes you to court to collect a debt, it is attempting to obtain a judgment against you. Consumers who learn of pending litigation from debt collectors should check the collection statute of limitations in their state. If the file date for the court case is out......[Read More]
Legal Rights Regarding Credit Cards

Legal Rights Regarding Credit Cards

All consumers who apply for or use credit cards are entitled to a wide range of legal rights granted to them by both federal and state laws.......[Read More]
Delaware Laws of Credit Card Debt

Delaware Laws of Credit Card Debt

Credit cardcredit-card image by Igors Leonovs from Fotolia.comConsumers can run into problems not only in paying off their credit card debt, but also in trying to determine the laws that apply to their credit card agreements. Like other states, Delaware has specific laws that govern.........[Read More]
What Happens If I Miss My Summons?

What Happens If I Miss My Summons?

If you miss your summons, then you have failed to appear in court. A failure to appear, or FTA, is a crime. The consequences of an FTA conviction depend on the original cause of the summons and the area in which you live. The court may suspend your driver's license or privilege to operate a motor v......[Read More]
What Consideration Is Given for a Forebearance Agreement?

What Consideration Is Given for a Forebearance Agreement?

In contract law, consideration is some benefit that the lender receives in allowing the borrower to bend the contract. Forbearance is postponing an action like foreclosure or default when the borrower does not fulfill his end of the contract.......[Read More]
What is the USDA Approval Process?

What is the USDA Approval Process?

Agricultural commodities sold in the United States can meet certain quality standards as determined by the U.S. Department of Agriculture (USDA). Certification and grading processes vary depending on the product, but all are overseen by the Department's Agricultural Marketing Service (AMS).......[Read More]