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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Think You Recognize the Number on Your Caller ID? It May Be a SpoofNeighbor-spoofing is just the latest tactic used by telemarketers and debt collectors to get you to answer your phone. What is it and how can you stop it?
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Are You Having a Problem With a Medical Debt Collector? Find Out What You Can Do About it HereMany of the complaints received by the CFPB last year involved medical debt. Find out what you can do when you have a medical debt collection complaint.
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Digital Debt Collection Allows Consumers to Resolve Past-Due Obligations Without Talking to a PersonWith options for digital debt collection available to debt collectors, consumers may soon receive email requests for payment rather than harassing phone calls.
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Possible Damages for Debt Harassment in VirginiaVirginia credit fraud attorneys explain that not only can you stop a debt collector from harassing you, but you can sue for damages as well. Learn more here...
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Your Rights Under the Telephone Consumer Protection Act (TCPA)The Telephone Consumer Protection Act of 1991 protects consumers from telemarketers, but it only works if consumers are aware of their rights.
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How Making Minimum Credit Card Payments Could Affect Your Credit ScoreWhile it makes the credit card companies happy, you should not be only paying the minimum amount due on your credit card each month. Find out why here.
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Know When to Listen and When to Hang Up on a RobocallAnswering your phone only to hear a pre-recorded message is not only annoying, it may be illegal. Learn which types of robocalls are not allowed.
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Keeping Debt Collectors Away From Time-Barred DebtOnce the statute of limitations has run out on a debt, a debt collector cannot sue you to collect on that debt. These debts are known as “time-barred.”
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Identifying and Avoiding Fake Debt CollectorsIt is a common scam these days to be told over the phone that you owe money and that you need to pay it immediately. Don’t fall for fake debt collectors.
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Even If You Are in Debt, You Do Not Deserve to Be HarassedIf you are being harassed by a debt collector for money you owe, there are steps you can take to stop the abuse. Learn about putting an end to harassment here.
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Consider the Downside of Debt SettlementYou may have heard that debt settlement could be an option if you are unable to pay your bills, but this should not be your first course of action.
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A Court May Stop Debt Collectors From Calling and Writing You About a DebtThe Fair Debt Collection Practices Act provides consumers with many potential remedies for violations. One such remedy is injunctive relief.