Consumer Law

Debt can be a harsh mistress. If you find yourself with more credit card debt than you can handle, what are your rights under U.S. law? What limits are placed on debt collectors?

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...

The United States Health Insurance Portability and Accountability Act, known as HIPPA, protects the privacy of a patient's medical information, such as care a patient sought and medical bills....

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...

The Credit Contracts and Consumer Finance Act is a New Zealand credit law that is enforced by the Commerce Commission. The Act requires certain disclosure be made in the course of doing business...

With health insurance costs rising year to year, many people undergoing a protracted illness or injury recovery find that medical bills have mounted against them. Collection agencies are often...

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...

When it comes to debt, laws governing wage garnishment give private creditors as well as governmental agencies the authority to take out a certain portion of a debtor's income to pay a debt....

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...

Whether trying to reduce mortgage payments or credit card debt, there are some basic things to keep in mind while writing a letter. Debt payment reduction letters should convey an acceptance of...

Check garnishment laws vary depending on an individual state's laws governing methods private creditors, such as credit card companies, may employ to collect a legally-owed debt. However, federal...

The U.S. Fair Debt Collection Practices Act, enacted in 1978, seeks to eradicate abusive and harassing practices of debt collectors and collection agencies and protect the rights of the...

The repossession of a vehicle begins when a payment is missed. Repossession proceedings can begin any time between one to 30 days after missing a payment, depending on the grace period established...

A promissory note is a legally binding written promise to repay a debt. It usually includes specific terms of repayment, such as when the note is payable on demand and whether payment is due by a...

If you live in Missouri and plan to co-sign for a loan, you will want to learn about the different laws that affect your liability. If you know the legalities of this type of loan, it can save you...

Ever have to sue someone for a debt they owe you only to find it is easy to win in court and very difficult to get the debtor to pay you?

WINNING a judgment in a court of law is oftentimes expensive and difficult. Collecting on a court judgment can even be more taxing on your finances and time. But it’s not all bad news. There exits...

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...

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...

Are you a small business person who has extended credit to a customer that stopped making payments? Have you made a personal loan to someone who doesn’t want to repay it any more? Are you...

Have you ever loaned someone money and they never paid it back as promised, and now they are avoiding you? Have you ever co-signed for someone who didn’t pay their debt and now you are responsible...