Discovering fraud or unauthorized charges on your credit card is stressful. Whether it’s a $50 mystery purchase or thousands of dollars drained overnight, the fear is the same: If you live in Texas or Alabama, you have powerful federal protections under the Truth in Lending Act (TILA) and many credit card companies violate those protections.
Having your vehicle repossessed is stressful enough. But finding out that the repo company damaged your car during the repossession can turn a difficult situation into a nightmare. Many consumers don’t realize that even if the lender had the legal right to repossess the car they are still responsible for damage caused by the repossession
Car Damaged During Repossession? How Consumers Can Get Reimbursed Read More »
Have you recently received a phone call, letter, or lawsuit from a debt collector claiming you owe money, even though you are certain the debt is not yours? If so, you are not alone. Every year, thousands of individuals are wrongly contacted by debt collectors about debts that do not belong to them. This can
Wrongly Accused of Owing a Debt? How the FDCPA Protects You and What You Can Do About It Read More »
The Fair Credit Reporting Act (FCRA) grants consumers vital protections against inaccurate reporting and identity theft. Section 1681n creates a private right of action for individuals harmed by “willful” violations of the FCRA’s requirements. Under § 1681n(a), any person who “willfully fails to comply with any requirement imposed under this subchapter with respect to any
Understanding 15 U.S.C. § 1681n: Civil Liability for Willful Noncompliance Read More »
Introduction If you’ve discovered inaccurate credit report information—such as outdated late payments, accounts that aren’t yours, or incorrect balances—you’re not alone. Millions of consumers find errors on their credit reports each year, which can lead to higher interest rates, loan denials, and insurance premium spikes. Thankfully, the Fair Credit Reporting Act (FCRA) provides a process
Inaccurate Credit Report Information Under 15 U.S.C. § 1681i Read More »
Have you been misled, overcharged, sold a defective product, or tricked by a business in Texas? You may have legal rights under Texas’s Deceptive Trade Practices Act (DTPA). This powerful consumer protection law exists to defend people like you—honest consumers who were taken advantage of. If you’ve suffered financial harm because of unfair, false, or
If you’ve ever faced vehicle repossession or the threat of one, you may wonder about your rights. Fortunately, in addition to state law, federal law provides strong consumer protections, particularly under 15 U.S.C. § 1692f(6) of the Fair Debt Collection Practices Act (FDCPA). This provision is designed to prevent wrongful repossessions and ensure that consumers
Understanding 15 U.S.C. § 1692f(6): Protection Against Wrongful Repossession Read More »
Facing the repossession of your vehicle can be a stressful and confusing experience, especially when you hold a clear title. However, if a repossession company takes your car despite your title being free of liens, they may be violating the Fair Debt Collection Practices Act (FDCPA). Understanding your rights under the FDCPA is crucial for
Understanding FDCPA Violations: When a Repo Company Takes Your Car with a Clear Title Read More »
Buying a car? The Truth in Lending Act requires lenders to disclose your loan\’s true cost. Learn what to check and your rights. Free consultation.
The Washington Post has a story on the rising trend of debt collectors attempting to collect old debt — so old that it is no longer collectable — by using loopholes: While Alabama has a longer period for some debt, the general rule is: Debt collectors lose the right in many states to sue consumers
