Consumer Law

I have been employed by the FTC for 2 years now, taking phone calls from consumers just like yourself having problems getting their credit reports corrected unsuccessfully. I know the Fair Credit...

People need to be made aware of how to prevent an unapproved withdrawal from their bank account when using classmates website. If you are lured in with the $9.95 yearly membership, classmates will...

Debt collectors utilize a wide range of strategies to satisfy an account owed by a debtor. Included on the list of strategies used by debt collectors is property seizure. Property seizure includes...

Cleaning up your credit report is important if you are planning on making a major purchase that requires financing. If you will need a home mortgage loan, you must ensure that your credit report...

Dealing with debt is challenging. If debt becomes insurmountable, bankruptcy ends up the option. However, bankruptcy is a legal avenue to be pursued only as a last resort. Before you reach the...

Though the U.S. Postal Service (USPS) has strengthened its address-change policies in recent years, you may still fall victim to a fraudulent change. This is commonly associated with identity...

Fixing a medical bill is necessary when your medical provider has charged you for services or procedures you did not receive, or your insurance company is refusing to pay your claim. Even though...

If there is a civil court judgment outstanding against you, it could seriously affect your credit, your ability to obtain a job, and your reputation. Should a creditor attempt to collect, you...

A common collection technique utilized by creditors is placing a levy on a consumer's checking account. Such a levy attaches to a checking account with no prior notice to a consumer and repeats...

Even a minor medical procedure or treatment potentially results in a significant amount in bills. Dealing with the wave of medical bills that follow a treatment or procedure can be enough to swamp...

The Fair Credit Reporting Act (FCRA), regulated by the Federal Trade Commission (FTC), gives individuals the right to sue companies and individuals that cause false information to be placed on a...

As the beneficiary of a promissory note, be prepared to enforce the contract when the payment obligation is due. In some cases, an individual with an outstanding obligation through a promissory...

The mortgage industry continues to raise its credit standards in acceptance of loans to fund. Lenders do this to prevent foreclosures, and to keep their doors open for business. Although credit...

A personal injury lawyer is a lawyer who handles specific cases. Some cases may include malpractice, slip and falls, workman's compensation or motor vehicle accidents.

Finding yourself the subject of assertive collection activity is challenging and oftentimes frustrating. One tool used by debt collectors is a wage garnishment. If you find your wages being...

Facing a debt collection company in court is a challenging and oftentimes frustrating experience for many debtors. If you are the defendant in a suit filed by a debt collection company, you need...

If you or a loved one has suffered severe side effects as the result of taking a prescribed birth control such as Yaz, Yasmin, Ortho Evra, Nuva Ring, Seasonale, Seasonique, or Depo Provera, you...

If you have had cause to hire an attorney, then there must have been something stressful going on in your life. We expect an attorney to help us and guide us through stressful times and legal...

An act of God insurance claim is one in which no person is directly responsible for the problem caused. The term refers to specific occurrences out of human control, such as tornados, hurricanes...

There are steps you can take if you are in debt that has now risen to the point that bankruptcy is the only option. If you are ineligible, or do not wish to apply, for Chapter 7, and complete...

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,...

For no good reason, some landlords withhold security deposits from responsible tenants. They may assume the tenants will not go through the effort of pursuing legal action to return the deposit....

Service of Process is when legal documents such as court summons, complaints, and subpoenas, are delivered to an individual to notify them of a court process against them.. Court Documents must...

If your planning to sue someone in small claims, you must follow a certain guideline in order for your claim to be valid and credible. It is important for the judge to know that you followed...

A lease is a legally binding contract between a renter and the landlord that stipulates the conditions of the rental. It should clearly state how much rent is due and when, late-fee penalties, how...

Have you ever been refused a refund that you thought you deserved for faulty merchandise or services? Sometimes it's past the due date, the warranty has expired, or the item is non-refundable. ...

A secured party creditor is someone who holds a security interest in some goods or property of a debtor. A security interest is a legal term used to describe the right a secured party has to 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...

I want to warn you about a telephone con and how to avoid a $2,425 phone call. The scammers get you by calling from an 809 area code to tell you that they have some important information for you....

We have all seen it, you post something for sale on Craigslist, an online classifieds or in the paper and you get more responses from the scammers than real people who are interested in what you...

The appeal process begins with a protest of the real estate property tax valuation, and after getting no break at a meeting with the appraiser of your district, you will want to appeal to the Tax...

Mounting medical bills are overwhelming. In no time at all, even a minor medical procedure can result in a mountain of debt. Like many people, you may desire to fight certain medical bills. With...

Credit Bureaus are powerful entities that can seemingly control millions of Americans' finances. While efficient and generally fair, sometimes these companies make mistakes. It's your...

With predatory lending practices being called into question on several banking fronts, it seems that many consumers are now asking the question about suing the banks and individuals responsible....

You're out for a walk on a nice evening, you and the family dog, when suddenly out of nowhere a dog attacks your dog. Before you know it, there's fur flying, dogs entangled and lots of...

An apartment lease is a binding legal contract between you and your landlord. This means there is a big chance that you would be in breach of your contract if you broke your lease before the time...

It is important to know how to approach identity theft fraud protection for yourself because now it can happen to anyone anytime. It is important to take steps to help you recover from this...

Have you been ripped off? Are you trying to get a refund or resolve a dispute? It is usually not easy but with patience, persistence and knowledge you can get what you need!

You signed up for that gym membership with the best of intentions, but now you want to break the gym contract because you rarely go there to workout or can’t afford it any longer. Although the gym...

Writing a lease-to-own contract is nothing new, and this type of contract is regaining popularity as a way to buy and sell property. Lease-to-own contracts are useful to both parties in that a...

Being sued is always frightening, but it is important to stay calm and rational even in the face of being served with a lawsuit. Most lawsuits deal with unpaid debts, whether to another person or...

Being sued for debt can be a very frightening experience, especially when it feels impossible to pay the bill before court. However, despite the state of your finances there are steps you can take...

Identity theft is a growing problem that can be financially devastating, ruin a good credit rating and leave victims feeling vulnerable and defenseless. Identity theft occurs when someone uses...

An illegal 419 scam is one that originates from another country and usually originates in a stranger email. This article will tell you how to recognize them all and how to avoid being taken by...

For several months, I have been battling with a company that is trying to collect on a debt that I do not owe. After researching the company, I learned there are many people in my shoes, so I...

Learn about the Acai Berry before you buy! The Acai berry which is a fruit that grows on the Acai Palm Tree found only in the Amazon Rain Forest of Brazil has been said to have significant health...

There are some good telemarketing companies, but others link employee pay to number of items sold, which sets the stage for unscrupulous dealings. Consumers are hooked with offers of gifts or...

When you win a lawsuit, an abstract of judgment is a legal document that sums up how much money the losing side owes you. If you have to secure a lien against the debtor's house or land to claim...

A genuine telemarketing service should be comfortable with giving you certain information so that you can verify their authenticity. Barring that, keep your guard up and never give your money to...

In a day and age when consumer debt is on the rise, consumer default on that debt rises, too. And, as unfortunate as it is, when someone defaults on self-assumed debt and refuses to pay, there are...