It is no wonder that debt collection is always cast in a negative light. Not only are there debt collectors out there who illegally harass and torment debtors to the point of frustration and fear, but there are also countless horror stories about debt scavengers
When consumers of the victim of unfair or deceptive business practices or are harmed by a product that they purchased, a group of injured individuals can band together and file a consumer protection class action lawsuit against the party that harmed them. There are several
Most consumers are unaware that a consumer class action is taking place that involves them in some way. You may own a defective product or have bought a service from a company that engages in deceitful business practices. While you personally may not have been
Both consumers and creditors have legal responsibilities. Creditors, in the process of collecting a debt over time, have a responsibility to comply with the many regulations concerning debt collection abuse. These regulations pertain to the manner of collection, and disclosures of debt-related information to consumers. As
For those who hate getting unsolicited telemarketing calls, the Do-Not-Call Registry and the Telephone Consumer Protection Act (TCPA) are great tools that protect consumers from unwanted telemarketers. Both can cut down significantly on the number of telemarketing calls that consumers receive to either residential landlines
If you have forgotten to make a credit card payment either because you lost the bill or it just slipped your mind in the course of your busy life, you likely have received a call from a customer-service representative from the credit-card company or a
Identity theft is a huge problem that is only growing larger every year. According to the New York Department of State, Consumer Protection Division, identity theft costs consumers and business over $50 billion every year. The problem is particularly difficult to solve because identity thieves
If you’ve ever purchased an electronic device or home appliance before, you might be familiar with the sales pitch for purchasing an extended warranty. Generally, a warranty is a promise made by either a manufacturer or seller that the item being sold is as promised.
Finding out that your creditor has repossessed your vehicle can be a stressful situation. You might not be sure what the seller will do with the vehicle, and before you receive a notice of sale, you might not even know whether you can reclaim your
As anyone who has owned an automobile knows, it can be expensive to own a car. Some costs include maintenance, gasoline, paying for any unexpected repairs, and monthly payments if you finance the costs. Sometimes, however, there might be times when you are unable to
