Other Consumer Law

Under the Fair Credit Reporting Act (FCRA) established in 1970, credit reporting agencies must follow specific regulations involving the data on your credit report. If a judgment appears on your...

If someone owes you money, you may be able to have the court garnish a portion of his wages to pay you what is owed to you. After proving to a court that the money is owed to you, getting a wage...

If your bank account has already been garnished, getting your money back can be difficult. Before the money's gone, deal with the problem. An informed and industrious debtor can often stop a bank...

Civil records, unlike criminal records, have no quick fix to hide undesirable information. Expungements, or having your records sealed or removed, are not available in civil courts. However,...

An individual, organization, company or anyone who is owed money can pursue the seizure of a bank account. The dollar amount of the claim will determine if a district court or circuit court is...

Many creditors will get a bank garnishment or bank levy if you refuse to make payment arrangements regarding your past due debts. Your account will be frozen and the money will be taken from the...

Mandatory arbitration is a way in which lenders avoid costly court trials with individual consumers. The arbitration agreement is normally buried in the small-font legalese of the credit...

A judgment is filed against a debtor after losing a law suit to a creditor. According to credit education site Carreon and Associates, "about 80 pecent of judgments are awarded in error" due to...

The federal government allows for laws concerning wage garnishment to be decided by individual states. Like most states, Tennessee's wage garnishment laws typically are viewed as favoring...

The federal government allows for laws concerning wage garnishment to be decided by individual states. Pennsylvania is one of the few states that has an overall policy that is "friendly" to those...

A collection agency or other creditor cannot get a judgment against you without having you served with a lawsuit. This requires the agency send a representative or an attorney to your local court...

Creditors frequently use the judicial system to collect overdue debts. You can be sued in small claims court or federal court, and each has its own monetary limitations. While a lawsuit is serious...

A judgment on your credit report can have a negative effective on your credit rating. If you find that a judgment is being reported in error, there are steps that you can take to get it removed...