Category Archives: Consumer Rights

Social Media, Identity Theft, and Debt Collectors
Being active on social media is a great way to reconnect with old friends and find new ones, but it offers a dangerous window of opportunity for identity thieves and debt collectors. Many social media sites make money by selling targeted advertising. They encourage users to provide as much personal information as possible so they can charge more for better targeting. The problem is that your...
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5 Important Changes That Will Affect Your Credit Report This Year (maybe)
Thank you New York Attorney General Eric Schneiderman! After a year-long investigation and aggressive negotiations, the three big credit reporting companies have some important changes to make. This is a win for consumer rights across the nation… but don’t celebrate just yet. Experian, TransUnion, and Equifax have more than three years to implement the required changes and the burden of proof will still be on the consumers when...
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FDCPA Checklist: Is a debt collector violating your rights?
The Fair Debt Collections Practices Act (FDCPA) was put in place by the federal government nearly 40 years ago to protect consumers from renegade debt collectors. It outlines, very specifically, what a debt collector can and cannot do. To stay legal, collectors must follow it exactly. If not, they can be fined by the government. If a collection company is abusive or habitually violates the FDCPA,...
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