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Consumer Law & fraud : Law & Legal & Attorney
Congress passed the federal Fair Debt Collection Practices Act to help protect consumers against unfair debt collection procedures and deceptive practices. The act requires third-party collection agencies to provide each debtor with a validation notice within five days of first contact. The validati
If you die "intestate," or without a will, in California, the California Probate Code specifies the proceedings for how your estate will be divided. The order and manner in which your property is divided will depend on several factors, including whether you were married or had a domestic partner as
United States regulations require proper labeling on packaged foods.dates image by Marek Kosmal from Fotolia.comThe United States Federal Trade Commission (FTC), Food and Drug Administration (FDA) and Department of Agriculture (USDA) all regulate food marketing. The FTC and FDA operate...
Sometimes there are time limits on justice.Legal Law Justice image by Stacey Alexander from Fotolia.comThe statute of limitations for felonies in Florida varies from none for capital felonies to two years for misconduct in public office. Unlike many states that suspend the running of the...
Losing a loved is always difficult, and it often means dealing with legal red tape in the form of banking, debts, property, etc. Often times there is no detailed plan or documentation in place for estate planning. Locating the deceased's banking information can create an extra hurdle when dealing
The idea of a statute of limitations is a legal by-product of English common law that holds that there should be a time limit or expiration date on any legal proceeding. English common law, which is the basis for the United States legal system, states that all debts should have an expiration that ke
Real estate fraud pertains to the provision of false information to a consumer in order to secure the sale of a parcel of real estate. The State of Illinois covers real estate fraud under the Consumer Fraud and Deceptive Business Practices Act.
In a 1962 speech to Congress, President John F. Kennedy presented his four basic consumer rights. In this speech, Kennedy stated that every consumer has rights, duties and responsibilities, which serve to protect individuals against malicious business practices and keep the marketplace fair. In subs
Credit cards are an example of unsecured debt.three credit cards image by Aleksandr Ugorenkov from Fotolia.comA debt agreement is a legal agreement that is entered into between a creditor and debtor. They allow someone who is in debt to pay off their debt quicker by reducing the total...
Virginia's Motor Vehicle Warranty Enforcement Act, more commonly known as the lemon law, primarily focuses on consumer protection for the purchase of new cars. However, there are certain circumstances where the law extends to include used cars as well. In addition, there are several other courses of
A homeowners association (HOA) is a group made up of homeowners in a specific residential neighborhood. In an effort to maintain the uniform look of the community and keep the area inviting and attractive, the HOA draws up a list of rules, procedures and policies that are meant to keep the peace in
Truth in lending disclosure provides information on the terms of credit granted to consumers in writing before they take the loan. Federal laws that outline the requirements, the Truth in Lending Act (TILA), originally passed the U.S. Congress in 1968. Most states also have their own statutes govern
The Magnuson-Moss Warranty Act is often called the Federal Lemon Law because it protects the rights of consumers who have purchased products that are defective. Under the act, consumers have the right to sue manufacturers who refuse to honor written warranties or have given warranties that contain
When you cannot afford to pay your debts, your account may eventually be turned over to a collection agency in an attempt to get you to pay. If you still cannot pay, the collection agency may try to file a lien against your property. If the property is jointly owned, this could put the co-owner in a
The length of time a debt can show up on your credit report is different from the length of time a debt collector has to pursue collection of the debt. The statute of limitations may run out, but the debt can still show up on your credit report for up to seven years.
Buy a home after a deed-in-lieu and become a homeowner again. While a deed-in-lieu is somewhat damaging to a borrower's credit score, it does avoid a foreclosure and a borrower can usually requalify for a mortgage loan within a few short years. Of course, buying a home after a deed-in-lieu entails m
Collection agencies in Canada are permitted to contact debtors concerning debts that have been placed with the agency. Before any collection methods, such as collection calls, may be exercised, the debtor must be notified in writing that the collecting agency has been assigned to his...
Florida's laws on credit card debt protects consumers and credit card companies.one million dollars and credit cards image by Veniamin Kraskov from Fotolia.comCredit card companies seek a writ of attachment from the courts in Florida when individuals stop making payments on their credit...
Collection agencies must be licensed and post a bond before doing business in Illinois.la collecte image by harmonie57 from Fotolia.comCollection agencies are businesses that receive payment on behalf of another party on a bill or other debt. The state of Illinois regulates collection...