The Fair Credit Reporting Act (FCRA) is a federal law enacted to protect consumers’ rights and ensure accuracy, fairness, and privacy in credit reporting. Among its provisions, the FCRA allows for the possibility of punitive damages in cases of willful violations by credit reporting agencies (CRAs) or furnishers of information. This article aims to provide...Read More

When your car is wrongfully repossessed, you may find yourself in a frustrating and distressing situation. However, it’s important to know that you have legal rights and options to seek compensation for your losses. Understanding the available damages is crucial for pursuing legal recourse. Let’s explore the common types of damages you may be entitled...Read More

The Alabama Deceptive Trade Practices Act (DTPA) is an important piece of legislation that protects consumers from unfair or deceptive trade practices. The DTPA provides legal remedies for businesses and individuals who are harmed by deceptive business practices in the state of Alabama. The Act prohibits false advertising, misrepresentations of product quality and safety, and...Read More

Identity theft is a growing problem, with millions of people falling victim to it each year. For those who have experienced the devastating effects of identity theft, the Federal Trade Commission (FTC) provides a procedure to assist victims in recovering their financial and personal information. This article will discuss the FTC’s identity theft report and...Read More

Repossession is a common practice in the world of finance, especially when it comes to cars. While creditors have the legal right to repossess a vehicle, they must do so without breaching the peace. While Texas, Alabama, and all other states follow the Uniform Commercial Code, determining what constitutes a breach of the peace during...Read More

Have you ever applied for a mortgage only to be denied or had a worse deal due to inaccurate information on your credit report? Your credit report is one of the most important documents in obtaining a home loan. Any inaccuracies contained in the document can result in significant delays, a higher interest rate, or...Read More

Have your credit score and financial future been damaged due to inaccurate medical debt on your credit report? Inaccurate medical debts can linger for years, affecting one’s access to credit and other resources, unless appropriate actions are taken to remove them. Medical debt is one of the leading causes of financial burden for consumers in...Read More

After an auto accident, most insurance companies try to determine who had responsibility for the crash. When both sides are unwilling to assume liability, then both drivers may need to seek legal action in order to get compensation. If you’re involved in a disputed liability car wreck, there are several options available to help resolve...Read More

Most people know the the Truth in Lending Act from the disclosure requirements on the front end. It requires credit grantors to disclose certain information to borrowers so they can make informed decisions about their loans. This includes information such as finance charges, annual percentage rate (APR), and the total amount that you have to...Read More