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  • Resources

Understanding Your Consumer Rights and Protections

The foundation of consumer protection lies in understanding the federal laws that protect your rights.
  • FDCPA

Fair Debt Collection Practices Act

When dealing with debt collectors, you have specific rights that protect you from unfair practices.
You have the right to:

Request debt validation within 30 days

Dispute the validity of the debt

Request the collector stop contacting you

Sue collectors who violate your rights

  • FCRA

Fair Credit Reporting Act

Understanding Your Credit Rights

  • Access your credit report free annually
  • Dispute inaccurate information
  • Have errors corrected within 30 days
  • Know when your credit report causes adverse actions
  • Have outdated information removed

Credit Report Monitoring

  • How to obtain your free reports
  • Understanding credit report sections
  • Identifying potential errors
  • Steps for effective disputes
  • TILA

Truth in Lending Act

Lending Transparency

  • Clear disclosure of interest rates
  • Explanation of credit terms
  • Right to cancel certain loans
  • Protection against billing errors

Credit Reporting Problems

  • Mixed credit files
  • Identity theft issues
  • Incorrect account status
  • Outdated information
  • Double reporting

Debt Collection Issues

  • Repeated calls intended to harass
  • Threats of illegal actions
  • Misrepresentation of debt amounts
  • Attempts to collect time-barred debts
  • Essential Documentation

Legal Resources

Financial Records to Keep

Organise these essential documents:

Account statements

Loan agreements

Collection letters

Credit reports

Payment records

Debt validation letters

Communication Records

Document all interactions:
  • Call logs with dates and times
  • Names of representatives
  • Summaries of conversations
  • Copies of written correspondence
  • Confirmation numbers
  • Settlement offers

Our
Partners

Success Stories

Real examples of consumer protection in action
Schedule Free Consultation

Credit Card Debt Resolution

Sarah’s Story
  • Initial Situation: $45,000 in credit card debt
  • Challenges: Unfair interest rates, unauthorized fees
  • Action Taken: Legal review revealed multiple violations
  • Resolution: Significant debt reduction and fee removal
  • Timeline: 6 months to resolution

Collection Practice Challenge

Michael’s Experience
  • Initial Situation: Aggressive collection tactics
  • Challenges: Multiple daily calls, workplace contact
  • Action Taken: FDCPA violation documentation
  • Resolution: Collection activities ceased, damages awarded
  • Timeline: 4 months to resolution

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(775) 251 8081

Email Us

support@consumerattorneynetwork.org

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Consumer Attorney Network is not a law firm. We are a marketplace connecting consumers with licensed attorneys. This website is for informational purposes only. No attorney-client relationship is formed by use of this website. Past results do not guarantee future outcomes.