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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Non-Disclosure and Affirmative Misrepresentation: Two Primary Categories of Auto FraudAuto fraud can affect consumers in many different ways. There are two primary categories to look for: non-disclosures and affirmative misrepresentations.
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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.
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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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How to Establish Whether a Dealer Knew of a Vehicle’s Prior Poor Condition Before Selling It to YouVictims of auto fraud may need to investigate to determine a vehicle’s title history. This history provides valuable information as part of the auto fraud case.
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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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Inside Look At What It's Like to Be a Debt CollectorThe inside scoop of what it is really like to be a debt collector and some of the shady practices that go on.
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Creditors Who Don’t Verify Your Debt Must Leave You AloneDebt collectors are required to verify that a debt belongs to the consumer during collection. The collector must then send proof of legitimacy to the consumer.
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Buying a Used Vehicle? Get Your Own Carfax Report—Don’t Rely on the DealerMany auto dealers will provide consumers with a Carfax report of a used vehicle before purchase. Relying on the dealer’s report may be a mistake.
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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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Tell-Tale Signs of a Bait and Switch Auto ScamIf an advertised car deal was not honored by the dealer, you may have been a victim of a bait and switch scam. Find out if you may have cause for legal action.