Month: September 2014

Have you ever received your monthly credit card statement and seen an error, billing discrepancy or charge you are positive does not belong to you?  You do have a right to dispute the inaccuracy and request an investigation.  Under the Fair Credit Billing Act (“FCBA”) you have the right to dispute an error with your […]

If you have ever taken a look at your credit report, you have probably noticed a section titled, “Inquiries” at the end of the report.  Inquiries are requests made by a company to review your report for a variety of different reasons.  While most consumers understand that these inquiries can affect your credit score, the […]

Some industries are more prone to debt collection abuse than others.  Student loans, medical billing and the mortgage lending industry are areas that seem to be more aggressive at recovering debt than others.  Debt collectors collecting on these types of debts have been sued under the Fair Debt Collection Practices Act (“FDCPA”) forviolations of the […]

By now most consumers are aware of the Fair Debt Collection Practices Act (“FDCPA”) and have a basic understanding of the fact that this law was created to protect consumers from the abusive tactics of collection agencies.  Abuse by collectors is on the rise and knowing the law beyond the fact that it exists will […]