Consumer Rights

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,...

Every year each business functioning in the State of Illinois is required to report unclaimed property to the state. This unclaimed property may take many forms including forgotten paychecks,...

Over 50 million dollars in unclaimed property and assets sit in Idaho year after year waiting to be found. If you or a family member have ever lived, worked or done any type of business in the...

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...

A person that rents a car has renting rights and responsibilities. As long as the renter has the necessary requirements, such as a valid credit or debit card with available funds, a valid...

Have you ever had strange charges show up on your bill? Have you called your cell phone company to ask what they were and to have them removed? If so, you know how frustrating it can be to wait...

Have you ever been billed for service you didn't use? It happened to me, and calling their toll-free number wasted a lot of time without getting the issue resolved. There's a better way to get...

Fair debt laws protect the debtor from being harassed, threatened or harmed by a creditor. Creditors have laws that limit the hours and places a debtor may be called. Once a debtor notifies a...

Up to your eyeballs in debt? Want to teach those creditors who is boss? Well, this is America, and whoever whines the most generally wins! Like that YouTube woman who protested against Bank of...

The state of Georgia has a food stamp program that makes available monthly assistance to low-income families to defray the cost of food. The households that receive food stamps also receive...

The Servicemembers Civil Relief Act protects those who protect the United States from fighting civil lawsuits such as collection actions from credit agencies while deployed in the country's...

Maintaining the best possible credit rating is important for every consumer. A good credit score helps you get loans and credit cards, get insurance and even get a job. There are various laws that...

Each state keeps unclaimed funds, or money and other assets that could not be delivered to the rightful owner, in a dedicated account until the owner claims them. The states have different...

This article is about terminating cable, phone, or internet service. Service providers in this area are making it difficult for one to cancel service. These step-by-step instructions will...

Consumer credit laws serve to regulate the reporting of credit information and the practices of lenders. This protects consumers from credit reporting errors, ignorance of their interest rates...

It seems to me that a store’s return policy should protect the customer against merchandise that is defective or does not live up to its intended function and lifespan. It is so frustrating when...

5 Easy steps to avoid unwanted charges on your phone bill

If you have unpaid debts, the collector or debt agency has a right to take legal action against you. If the collector is able to clearly show the court that you owe the debt, the collector will be...

Annuity payments are a very common method of transferring large sums of money to a recipient over the course of time. These types of structured settlements are often in the best interests of both...