It stops with us
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...
Your credit report is one of your most important documents, even though you seldom see it. It contains personal information about you and your credit usage and payment history. Every time you apply for a loan, a credit card or even a new apartment, the company to...
The Do-Not-Call Registry provided by the Federal Trade Commission restricts telemarketers from engaging in telephone calls to people who have registered, indicating that they do not wish to receive marketing calls. New Jersey provides even more restrictions than the...
The Telephone Consumer Protection Act helps keep you safe from deceptive and annoying telephone solicitations. The TCPA gives you the right to retaliate against a business or person who violates its rules. You may be able to bring a lawsuit under the TCPA and seek...
If you use social media to keep tabs on family members, friends or celebrities, you certainly are far from alone. In fact, according to the Pew Research Center, more than 70% of Americans say they regularly use at least one social media platform. For many, a major...
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...
The Fair Debt Collection Practices Act governs actions that bill collectors may and may not take when contacting debtors. As noted on the Federal Trade Commission’s website, collection agents may not call collect, which may result in your paying extra charges for...
Maintaining a high credit score can help you when it comes time to apply for a loan or a home mortgage, so you want to keep your credit report accurate. If you find erroneous information on your report that lowers your credit score, you may write a letter to the...
A product advertisement should give you accurate information about what to expect from an item you buy. So if an ad tells you that a product is new, you understand that no one else has owned or used that particular item. Unfortunately, some sellers do not represent...
