It stops with us
The credit reporting and debt collection process often feel unfair to consumers. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act provide some protections and avenues for consumers to address concerns. When it comes to dealing with collection...
In today's market, products carrying the organic label are everywhere you turn, but securing legitimate organic products might not be as easy as it seems. If you are like most organic buyers, you shop for these items because you want products that are better for you,...
For most Americans, buying a home means taking on a potentially large mortgage. However, even short-term financial problems can make it difficult for the average family to keep up with monthly payments. Unfortunately, fraudulent lenders and others posing as lending or...
Carrying cash is slowly becoming passe as digital payment apps continue to grow. However, with that technology comes problems that go beyond “growing pains.” Apps that facilitate digital payments continue to grow in popularity. Considerable advantages exist when using...
When you receive a notice from a collection agency, you may wonder if you can negotiate the debt with the original creditor. Like many consumers, you may be unfamiliar with creditor procedures and the difference between the collection company and the original...
You likely have received a notice that you may be a party to a class action lawsuit. Usually, these cases involve a claim against a large company or entity that did something negligent. When you sign onto a class action, you will lose your right to file a lawsuit...
Debt collectors work on behalf of creditors to collect the outstanding balances you owe. The Fair Debt Collections Practices Act (FDCPA), enforced by the Federal Trade Commission, puts limits and regulations on how debt collectors may contact you to obtain the money...
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...
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...
