Sentences with phrase «consumer debt law»

Ark Law Group is a well - established, rapidly - growing, successful consumer debt law firm.

Not exact matches

Last year, the National Consumer Law Center (NCLC), a nonprofit advocacy group, studied the student loan debt relief industry.

«The debt buyers find it very lucrative to file a lot of lawsuits at once, without doing a lot of work,» said Margo Saunders, staff attorney with the National Consumer Law Center.

The Times cites Robyn Smith, a lawyer with the National Consumer Law Center, who «has seen shoddy and inaccurate paperwork in dozens of cases involving private student loans from a variety of lenders and debt buyers, which she detailed in a 2014 report.»

«Forced arbitration is a get - out - of - jail - free card that lets banks, payday lenders, and debt relief scammers avoid accountability when they violate the law,» said Lauren Saunders, associate director of the National Consumer Law Center, in a statemelaw,» said Lauren Saunders, associate director of the National Consumer Law Center, in a statemeLaw Center, in a statement.

A federal appeals court has affirmed four lower court judgments that debt collector Portfolio Recovery Associates violated federal law by failing to report to credit bureaus when consumers disputed the amount of debt they supposedly owed.

«People assume that their balance won't go up,» said Leslie Tayne, attorney and founder of Tayne Law Group, which specializes in consumer and business debt.

In August 2016, the National Consumer Law Center (NCLC)-- supported by nearly 40 other public interest groups, including the American Civil Liberties Union (ACLU)-- sent a letter to Education Secretary John King demanding the department track and remedy the disproportionate consequences of student loan debt for borrowers of color.

That law was meant to stem the tide of consumers and businesses too eager to simply walk away from their debts.

One thing these debt collectors have in common is they all have run afoul of the laws set up to protect consumers.

If you want to know for sure whether a particular debt has passed the statute of limitations, best to phone your state's Attorney General's office and ask, or meet with a consumer law attorney.

-- Virginia state laws do practically nothing to protect consumers in ways that go beyond federal protections — making Virginians susceptible to getting taken advantage of by loan and debt collection companies, and banks.

Over the course of 6 to 24 months, using consumer laws you are entitled to, an expert negotiator will will work to reduce your debt.

Most consumers do not realize that the debt collectors are violating the law.

In October 2007, Maryland Attorney General Doug Gansler announced that his office's Consumer Protection Division had reached a settlement with Richard Brennan, the Law Offices of Richard Brennan, LLC, and a related company called American Telecommunications Solutions LLC (collectively referred to as the Brennan Law Firm) in connection with their debt management and debt settlement services.

«While the 2005 bankruptcy overhaul law aimed to reduce filings, overall consumer debt and continued financial stress have led to consumer bankruptcies climbing back to pre-BAPCPA levels,» ABI Executive Director Samuel J. Gerdano said in a statement.

Fair Debt Collection Practices Act Federal law passed by Congress in 1977 that protects consumers against harassment or abuse from collections agencies.

The objective is to protect a person's consumer rights and ensure the third - party debt collection companies are abiding by the federal laws.

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These laws apply to for - profit debt settlement companies who take inbound or make outbound interstate calls to enroll consumers in a debt settlement program.

As you may know, the federal government recently amended existing laws to essentially prevent debt relief companies from taking advantage of consumers.

Some debt settlement companies are exempt from these laws and continue to charge consumers upfront for services.

The Federal Debt Collection Practices Act: This is a law meant to protect consumers from debt collection scam artists and legitimate debt collectors using illegal methods to collect on deDebt Collection Practices Act: This is a law meant to protect consumers from debt collection scam artists and legitimate debt collectors using illegal methods to collect on dedebt collection scam artists and legitimate debt collectors using illegal methods to collect on dedebt collectors using illegal methods to collect on debts.

Thousands of consumers are walking away from debt because debt collection companies are operating in illegal ways, including; not being properly licensed to collect on a debt, not abiding by federal and state laws, not reporting accurate information and not maintaining legally required documentation that debt collection companies must maintain.

Bankruptcy Basics Case Law and Analysis Chapter 13 Bankruptcy Chapter 7 Bankruptcy Consumer Debt

The Fair Debt Collection Practices Act, the primary federal law regulating third - party collection agencies, was enacted in 1977 with the support of ACA to protect consumers from unfair and abusive collection Practices.

Naca.net has a listing of consumer law attorneys from state to state, many of whom specialize in debt collection.

Among the qualified professionals who benefit from the DCCS training are employed by a wide range of organizations including consumer credit and debt counseling organizations, credit unions and other financial institutions, student loan lenders, cooperative extension system, all branches of the military, mortgage, real estate, and financial services firms; law enforcement, and other government agencies.

As a former partner of Doan Law Firm, LLP, I have years of extensive bankruptcy and consumer protection law experience, which enables me to provide you with sound and practical advice as to both your debt and real estate matteLaw Firm, LLP, I have years of extensive bankruptcy and consumer protection law experience, which enables me to provide you with sound and practical advice as to both your debt and real estate mattelaw experience, which enables me to provide you with sound and practical advice as to both your debt and real estate matters.

I found so many problems that I found myself digging into the world of the sale of debts after bankruptcy, zombie bill collectors, credit report errors after bankruptcy, collections and lawsuits that violated the bankruptcy laws, and a host of other consumer problems.

ICFE DCCS ® Independent Study Guide Table of Contents Consumer Financial Protection Bureau to oversee debt collectors Collection agencies and junk debt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other RConsumer Financial Protection Bureau to oversee debt collectors Collection agencies and junk debt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resoudebt collectors Collection agencies and junk debt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resoudebt buyers - Mini-Miranda What to do if a debtor is contacted about past debts Sample cease and desist letter Fair Debt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other ResouDebt Collection Practices Act Summary from the CFPB Debt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other ResouDebt that is covered Debt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other ResouDebt Collectors that are covered Debt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other ResouDebt Collectors that are NOT covered Debt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other ResouDebt Collection for Active and Veteran Military Personnel Communications connected with debt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resoudebt collection When, where and with who communications is permitted Ceasing Communication with the consumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Rconsumer Communicating with third parties Validation of debts Prohibited Practices: Harassing or abusive Practices False or misleading representations Unfair Practices Multiple debts Legal Actions by debt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resoudebt collectors Furnishing certain deceptive forms Civil liability Defenses CFPB / FTC staff's commentary on the FDCPA Common debt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resoudebt collector violations How to document a collector's abusive behavior What to do if a collector breaks the law How collectors are trained - examples of collector training courses FDCPA Sample Exam from ACA for Collectors How collectors are using Social Medias in collections Dealing with creditors and third party collectors Other factors for a debtor in collection: Credit reports and scores Reviewing credit reports with debtors - Permissible uses Rules about credit decisions and notices Debtor education about credit reports and FICO scores Specialty Report Providers Rules to protect consumers in credit card debt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resoudebt How to read and understand credit reports How to make changes or dispute accuracy Freezing Credit Files FCRA / FACTA Provisions of ID Theft victims How credit scoring works The Credit Card Accountability and Disclosure Act Credit Rules CFPB rules establish strong protections for homeowners facing foreclosure Other Resources

(1) The following shall be exempt from the Credit Services Organization Act: (a) A person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States or a lender approved by the United States Secretary of Housing and Urban Development for participation in a mortgage insurance program under the National Housing Act, 12 U.S.C. 1701 et seq.; (b) A bank or savings and loan association whose deposit or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or a subsidiary of such a bank or savings and loan association; (c) A credit union doing business in this state; (d) A nonprofit organization exempt from taxation under section 501 (c)(3) of the Internal Revenue Code; (e) A person licensed as a real estate broker or salesperson under the Nebraska Real Estate License Act acting within the course and scope of that license; (f) A person licensed to practice law in this state acting within the course and scope of the person's practice as an attorney; (g) A broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (h) A consumer reporting agency; (i) A person whose primary business is making loans secured by liens on real property; (j) A person, firm, corporation, or association licensed as a collection agency in this state or a person holding a solicitor's certificate in this state acting within the course and scope of that license or certificate; and (k) A person licensed to engage in the business of debt management pursuant to sections 69 - 1201 to 69 - 1217.

By law, all debt resolution providers are required to use an independent third party payment processor to hold consumer funds while the consumer is enrolled in a debt resolution program.

There are 14 federal laws that protect consumers from illegal debt collection and unfair banking activities including the Fair Debt Collection Practices Act, the Credit Card Act and the Fair Credit Reporting debt collection and unfair banking activities including the Fair Debt Collection Practices Act, the Credit Card Act and the Fair Credit Reporting Debt Collection Practices Act, the Credit Card Act and the Fair Credit Reporting Act.

Individuals who face an overwhelming amount of consumer debt may have some recourse through bankruptcy protections made available through federal law.

Since Doan Law Firm has one of only fourteen Board - Certified Bankruptcy Specialists in Consumer Bankruptcy Law by the American Board of Certification in the State of California, you can sleep soundly knowing your case will process smoothly, your assets will be protected, and your debts eliminated.

We study federal laws and consumer rights about debt collection.

Basically if your creditors violate your consumer rights under this federal law and other laws, your attorney will use the violations as leverage to save you additional money, and at times even get your debt dismissed entirely.

Consumer protection and credit card related laws such as the Credit Card Act, Fair Debt Collection Practices Act, and Fair Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all - time - hDebt Collection Practices Act, and Fair Credit Billing Act were passed to protect you, but still, the rate of bank fraud and illegal debt collection is at an all - time - hdebt collection is at an all - time - high.

Recently there have been big changes in areas like tax law, bankruptcy, and consumer debt management that could mean big changes in the way people manage their personal finances.

Both procedures were created by federal bankruptcy law, and are legally binding on your creditors, so once your consumer proposal or bankruptcy is completed the creditors can not pursue you for those debts.

The world of debt buyers, debt collectors, and debt collection law firms creates all sorts of confusion for consumers.

Or if a debt collector contacts a consumer's employer about a loan, or contacts a consumer's family member (s), that can also be a violation of the law.

As part of a program offered by the Washington County Law Library, Randall met with consumers at a Washington County Library branch to discuss consumer debt relief.

There are federal laws including the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Credit Card Act and several other laws that protect consumer rights — and that debt collection and credit card companies must oDebt Collection Practices Act, the Fair Credit Reporting Act, the Credit Card Act and several other laws that protect consumer rights — and that debt collection and credit card companies must odebt collection and credit card companies must obey.

«Shuttering the CFPB's student lending office is an appalling step in a longer march toward the elimination of meaningful American consumer protection law... This action actively promotes greater profits for a handful of debt collection businesses at the expense of mistakes, neglect, and confusion for millions of student loan borrowers.»

A consumer proposal is a debt solving plan recognized by the law.

A professional credit repair company complies with all the applicable laws such as The Fair Credit Reporting Act (FCRA), The Fair Credit Billing Act (FCBA), The Fair Debt Collections Practices Act (FDCPA), and other consumer protection statutes.

Bankruptcy and consumer proposal laws deal with a person's unsecured debts — things like your credit cards, lines of credit, personal loans, income tax debts, etc, etc, etc..

Laws governing debt collections, such as the federal Fair Debt Collection Practices Act, afford consumers certain rights with regard to how debt can be collecdebt collections, such as the federal Fair Debt Collection Practices Act, afford consumers certain rights with regard to how debt can be collecDebt Collection Practices Act, afford consumers certain rights with regard to how debt can be collecdebt can be collected.