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4 posts tagged Consumer Rights, newest first.
Credit Defense
A credit freeze restricts access for new-credit decisions; a fraud alert prompts identity checks. Both are free and can be used together. Request a freeze separately at each nationwide bureau, but request a fraud alert through one bureau, which notifies the others.
Credit Defense
A debt-validation dispute goes to a collector; a court Answer responds to a lawsuit under that court’s rules. One does not replace the other. Keep separate deadlines, recipients, and completion records, and do not assume a validation request pauses a court case.
Consumer Law
There is no universal three-day cancellation right. The FTC rule covers certain sales made at homes, workplaces, dorms, and temporary seller locations.
Consumer Law
Under the FDCPA you can dispute a debt in writing within 30 days to force validation, tell collectors to stop contacting you, and report abuse to the CFPB or FTC.
