Consumer Rights

Even in today's tough economic times you will unfortunately find that customer service isn't what it used to be. The old adage "The customer is always right!" Has all but disappeared. I...

Let's face it - getting a collection letter in the mail is no fun! All kinds of emotions are attached to it. If you just forgot to pay a bill, you are mad at yourself. If you are having...

Nasty tangles with online acai berry detox sellers taught many online consumers that it's not always wise to listen to Oprah. In June 2009, the Texas Attorney General's Office settled with...

Identity theft occurs when someone steals your personal information for their own use. Thieves steal your identity by going through your trash and finding unopened, pre-approved credit card...

If you suffer from an injury or ailment that has left you unable to work, you may be eligible for federal long-term disability through the U.S. Social Security Administration. Provided you...

There are no restrictions on how much money you can send from Canada to the United States, but amounts over ten thousand dollars are regulated, and must be documented and reported.

Consumer debt in America in 2008 averaged just over $2.5 trillion, according to The Hoover Institution. Companies contract with collection services to recover debts and outstanding bills that have...

Identity theft is a crime that can have serious adverse affects on your life. An unscrupulous person can use your Social Security number to rack up debt in your name. Potential employers and...

Before buying a car in Florida, it is important to research the vehicle history. While most people concentrate on checking a vehicle's history for accidents, many forget to check whether or not...

Making fast cash easy is not so easy without experience. I will show you ways that work.

It is hard enough to control your credit rating without the mountain of credit and insurance offers that clog up your mail box. I believe this puts you at risk for identity theft. I am always...

It can be very difficult to fix a problem on your credit card statement or credit report. Almost all Credit Cards are offered by Banks. The FDIC can protect consumers from Banks that ignore your...

Almost everyone has received pre-approved credit card offers through the mail at some point. Not only are these offers annoying, but upon reading the fine print you will discover that the...

Rates for cable and internet services are usually flexible, and you can save a lot of money if you know how to work the system. Cable providers are more willing than ever to renegotiate rates in...

Nothing is more disappointing than paying your hard-earned money for a product or service and not getting what you were promised or expected. You want to complain, but complain in a manner that...

Money, jewelry, coins, property- what could you have waiting to be claimed in Iowa? Millions of dollars in Iowa unclaimed property has been turned over to the Treasurer of State, waiting to be...

It has been said that millions of people have or have had at least one inaccurate inquiry on their credit. This can effect credit in a negative way. It could cost you a chance of getting a home...

Placing an order for Endless Youth vitamins is often much simpler than canceling one. While it is easy to get frustrated with the cancellation process, be persistent and document all your actions....

You can affect your credit in both a positive and negative manor in a short period of time. The trick is knowing what to do and what not to do so that the impact starts to get rid of any bad...

This article will tell you about how to save money with everyday things.

Certain laws provide protections and rights to a person facing debt collection and being sued for medical bills. Chief among these laws is the U.S. Fair Debt Collection Practices Act. Other laws...

Identity fraud happens when someone uses your personal information illegally for their gain. They can use your credit card, social security card or birth certificate, but there are ways you can...

A written contract is between a debtor and lender, specifying that payments must be made according to the established terms and conditions between the parties. Both parties should sign the...

The Fair Credit Reporting Act (FCRA) is a federal law that regulates how credit reporting agencies use your information. The only thing about this is that no one tells you how to utilize this...

With the recession on the rise, it is easily understandable why many people are behind on their debts, leading to creditor harassment. With banks being taken over by the government to many...

As consumers, the law allows certain rights and freedoms when it comes to our relationship with the marketplace. The Federal Trade Commission (FTC) is a government agency that is responsible for...

Internet scams are not always easy to spot. Sometimes a site appears legitimate. You may find yourself agreeing to terms you did not agree to or working for money you did not want to work for....

It is extremely upsetting to get a credit card statement or another bill in the mail and discover that someone has stolen your identity. In the Iinternet era, where more and more people are...

Debt collection agencies are companies to which creditors transfer consumers' debts. The collector then calls the consumer and discusses the debt that is owed to the original creditor. The...

Every state in the U.S. has a treasure trove of property and assets waiting to be claimed, and Arkansas is no exception. Unclaimed money in Arkansas ends up in the hands of the State Treasurer,...

If you have information on your credit report that is incorrect or outdated, it can negatively impact your credit score. As a consumer, you have the right to request the removal of information...

Receiving a letter from a collection agency can be unpleasant, especially if the letter uses threatening or abusive language. Fortunately, you do have recourse if a collector is threatening you....

Salespeople are conditioned to close the sale - sometimes before you're sure what you want to do. Here are some assertive, honest remarks that can defuse the pressure.

Today you have a choice as to which company will provide you with long-distance land-line phone service. If you are dissatisfied with your current provider, would like to take advantage of a...

Becoming a cheap shopper is not only prudent, but it is actually very easy in today's economy. Everything from cheap airline tickets to cheap hotels are just a click away and can be found daily....

Student loans granted by the federal government or private lenders can provide students with necessary funds to help finance their education. Those who do not pay back their student loans,...

If you've ever felt like no one would care if you disappeared, try missing a few mortgage payments! It's an old joke, but it emphasizes the practices that many creditors and third-party collection...

These days it's more possible than ever that your identity may be compromised or used fraudulently for various purposes. Identity theft can occur in several ways, but the most common one is a...

No matter how many bills you are behind on it is important for you to know that as a debtor you have rights. When collection agencies call or write you do not feel overwhelmed or bullied into any...

After graduation the reality of student loans set in. Now that your out of school and in the job market, everyone wants their money, and they want ti now. But what if you can't find a job or are...

The Fair Credit Reporting Act is enforced by the Federal Trade Commission and was originally passed in 1970 to protect consumer rights related to credit. The Fair Credit Reporting Act sets...

Collection agencies have a variety of tactics to coerce consumers into paying a debt that may or may not belong to them. There is a fine line between legitimate collection activity and...

If you have an excessive amount of debt, you may want to consider a debt reduction or debt settlement program. Reducing your debt can take the strain off the budget, which helps you manage your...

Those evil credit card companies were bailed out by the very people they are charging astronomical interest rates! We're not going to take it, debtors of the world unite! A woman in California...

If you are being hounded by collection agencies, or cannot pay your debts and feel like you will be hounded in the future, you can take steps to make finding and harassing you more difficult.

Your credit report is a record of how responsible you are with paying your debts. The Fair Credit Reporting Act has strict legal standards concerning what can and cannot be placed on your credit...

Having an account incorrectly reported on your credit report can have a negative impact on your ability to open new credit accounts or get a loan. It can even affect your chances to be hired for...

Finding Social Security disability information is a relatively simple task. Helpful information is provided by the Social Security Administration online and in person. Most tasks can be...

The Supplemental Nutrition Assistance Program (SNAP) is the federal program that provides program participants with food stamps. For persons to be eligible to receive food stamps, they must meet...

A creditor cannot attempt to recover a debt you owe by withdrawing funds from your bank account without first receiving either your permission or a legal judgment against you. Withdrawing a debt...