Consumer Law & fraud : Law & Legal & Attorney

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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]
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]
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]
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]
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]
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]
Homeowner Association Federal Foreclosure Law

Homeowner Association Federal Foreclosure Law

A homeowner association (HOA) in some states has the power to foreclose on a home without a judicial decree in order to recover unpaid association fees. These foreclosures are known as nonjudicial foreclosures, according to StopForeclosure.com.......[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]
Section 75 of the Consumer Credit Act

Section 75 of the Consumer Credit Act

Section 75 of the Consumer Credit Act of 1974 was established in the United Kingdom to protect consumers who make credit card purchases on items or services within a certain price range. In short, the credit card company is equally liable as the company that offers a good or service if that good or ......[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]
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]
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]
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]
About the Michigan Fair Credit Reporting Act

About the Michigan Fair Credit Reporting Act

The Michigan Attorney General's office enforces within Michigan the Federal Fair Credit Reporting Act. The goal of the Fair Credit Reporting Act is to promote fairness, accuracy and privacy within credit reporting agencies, according to the Federal Trade Commission. Residents of Michigan have severa......[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]
Lemon Laws in New Jersey on RVs

Lemon Laws in New Jersey on RVs

New Jersey law protects consumers who purchase a new vehicle that proves to be a lemon; that is, one that has unexpected defects. The law requires that the seller of the vehicle repair the defects, replace the vehicle or fully refund the purchase price.......[Read More]
Options for Getting a Court Judgment

Options for Getting a Court Judgment

Filing a claim is step one for court judgmentsfinal judgment image by Keith Frith from Fotolia.comAn individual or a business can file for a court judgment against a person if he failed to repay a loan, fell into arrears of a debt owed, or defaulted. A lender or creditor can even request.........[Read More]
Unfair Business Practice Act

Unfair Business Practice Act

The Unfair Business Practice Act was passed by Congress in 1914 and has been amended several times since to protect businesses and consumers from unfair competition and unfair or deceptive practices. The Federal Trade Commission was also created under the act to enforce the provisions of the act, wh......[Read More]
Pennsylvania Consumer Debt Laws

Pennsylvania Consumer Debt Laws

Pennsylvania has regulations governing how consumer debt can be recovered.stack of cash image by jimcox40 from Fotolia.comIn Pennsylvania, the Fair Credit Extension Uniformity Act, or FCEUA, defines terms relating to consumer debt and regulates the collection of debt in the state. The.........[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]