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When debt collectors follow up on a debt, they can implement some intense or even outright bizarre tactics in an attempt to get their money. However, the Fair Debt Collections Practices Act (FDCPA) prevents them from acting in certain ways that could constitute as...
Many consumers have misconceptions about their legal protections. New Jersey has relatively strong laws concerning consumer fraud. However, this does not mean you have protection every time you spend money on a product or service. If you believe a company took...
Crush injuries may seem like something that only construction workers and those in other, similar fields have to worry about. But in reality, most people face situations that could result in crush injuries several times throughout the week. Thus, it is important to...
If you want to apply for a new job, you may have to undergo a background check before an employer will hire you, which may include a look at your credit history. Fortunately, federal law grants you rights when it comes to an employer’s use of your credit report,...
There are several ways a business might use unfair or deceptive practices. The Federal Trade Commission (FTC) defines unfair acts or practices as something that causes substantial injury to the customer without providing a sufficient benefit to outweigh the harm. The...
As a consumer, you likely want to know what information is on your credit report. You probably also want this information to be fair, accurate and private. The Fair Credit Reporting Act is legislation that requires credit bureaus and other companies that collect...
Receiving a call from a debt collector can feel stressful, humiliating and frightening. Debt collectors can add stress to an already stressful financial time. According to Consumer Finance, many people do not know their rights when dealing with debt collectors. Did...
As of November 30, 2021, debt collection agents have the right to contact debtors through social media accounts. According to the Consumer Finance Protection Bureau, bill collectors must, however, follow certain rules under the Fair Debt Collections Practices Act. If...
Product advertising is important because it provides you with the information you need to make an informed decision. Investing in a product only to find that it actually does not do what its manufacturer claims can cause frustration. In serious cases, deceptive...
