{"id":93,"date":"2021-10-02T00:26:42","date_gmt":"2021-10-02T00:26:42","guid":{"rendered":"https:\/\/unitedlegalteam.com\/?page_id=93"},"modified":"2022-12-30T22:22:33","modified_gmt":"2022-12-30T22:22:33","slug":"major-consumer-protection-laws","status":"publish","type":"page","link":"https:\/\/unitedlegalteam.com\/?page_id=93","title":{"rendered":"Consumer Law"},"content":{"rendered":"\t\t
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\"><\/span>What is consumer law?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Consumer laws are legal safeguards to protect the public against unfair business practices in the marketplace. Protecting consumers\u2019 money, credit, and financial well-being, are of the utmost concern because many bad actors are relentless in their pursuit of profit, even to the point of purposefully cheating unassuming consumers out of their hard-earned money.<\/p>\n

Most companies that violate consumer protection laws do so because they are negligent in their actions and are not careful to simply follow the law.<\/p>\n\n

Learn more<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\tContact Us<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tFair Debt Collection Practices Act<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t
The FDCPA prevents debt collectors from engaging in abusive, deceptive, and unfair collection tactics. You have the right to sue a debt collector if your rights have been violated and must file within one year from the date of violation. Examples of debt collector violations include:\n
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  1. Reporting false credit information including not reporting disputed debt as disputed.<\/li>\n
  2. Contacting a consumer if the consumer has requested validation of the debt within the first 30 days.<\/li>\n
  3. Attempting to collect inaccurate amounts owed.<\/li>\n
  4. Contacting consumers at work if the collector knows that that contact is not allowed.<\/li>\n
  5. Contacting a consumer if they are represented by an attorney.<\/li>\n
  6. Calling continuously to harass a consumer.<\/li>\n
  7. Calling after 9pm and before 8am.<\/li>\n
  8. Profane language<\/li>\n
  9. Threats of arrest or legal action that they don\u2019t plan on taking.<\/li>\n<\/ol>\n

    If you feel your rights or the rights of a loved one have been violated, we are here to help. Call us for a free consultation.<\/p>\n

    Contact Us\u200b<\/span> <\/span><\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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    \n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tFair Credit Reporting Act<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

    The Fair Credit Reporting Act requires accurate, complete, and fair credit reporting. The big three credit reporting agencies (CRAs) (Credit Bureaus) are Equifax, Experian, and TransUnion. Credit Reporting Agencies have a responsibility to: <\/p>\n

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    1. Investigate disputes \u2013 of inaccurate or incomplete information within the reports that they supplied.<\/li>\n
    2. Remove or Correct Mistakes \u2013 once notified, the CRA must remove the error in your credit report or background check if it cannot be verified within 30 days.<\/li>\n
    3. Outdated Information Must Be Removed \u2013 negative information that is older than 7 years must be removed. Bankruptcy may be reported for up to 10 years.<\/li>\n<\/ol>\n

      Companies that report to Equifax, Experian, and TransUnion are called furnishers. Furnishers have a duty to<\/p>\n