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Consumer Law & fraud : Law & Legal & Attorney

How to Lower Interest Rates Through Collection Agencies

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

What Happens When You Die Without a Will in California?

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

Food Marketing Regulations

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...

Statute of Limitations for Felonies in Florida

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...

How to Locate a Deceased Person's Bank Account

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 Statute of Limitations on Judgments in Michigan

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

What Are the Duties of Consumer Awareness?

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

Debt Agreement Consequences

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...

VA Lemon Laws on Used Cars

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

What Are HOA Declarations?

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 Explained

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

Federal Lemon Law

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

Can Collection Agencies Put a Lien on a Jointly Owned Car?

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

Statute of Limitations on Debt in the United States

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.

How to Buy a Home After a Deed-in-Lieu

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 Agency Rules in Canada

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...

What Is the Fair Credit Opportunity Act?

The Fair Credit Reporting Act (FCRA) was originally enacted in 1970 in the United States. The Federal Trade Commission (FTC) is the agency responsible for enforcing the act.

What Are Florida's Laws on Attachments for Credit Card Debt?

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...

Illinois Collection Agency Laws

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...