Identity theft is targeting younger victims and still a growing crime according to the Consumer Sentinel Network Data Book, recently released by the Federal Trade Commission. Not surprisingly, the age of the victims is dropping each year as younger consumers increasingly shop online without properly protecting their personal information. It seems the younger generation, though … Read more
How to report identity theft. It only takes a few simple steps to report identity theft and clear up your good name and end the devastating financial and emotional harm caused by identity theft. Step One Set an initial fraud alert with at least one of the three major credit bureaus. Only one is needed … Read more
Identity theft is one of the fastest growing crimes in history but it is relatively easy to prevent identity theft in most cases. Millions of consumers fall victim to it every year and regrettably, the effects of identity theft are significant. Many victims of identity theft are so traumatized they often report symptoms of mental … Read more
We previously discussed a few common credit repair scams but believe it or not, there are additional deceptive or fraudulent acts in the credit repair world to be cautious about. Purposely Delaying the Credit Repair Process Most credit repair companies charge monthly fees which encourages them to work slowly or inefficiently. The simple fact is … Read more
You may be surprised to know that there are many common types of scams in the credit repair industry. Under federal law any deceptive or fraudulent act by a credit repair organization is considered a credit repair scam but other acts can also be unlawful. Many states also have similar prohibitions. Deceptive Representations The most … Read more
It can be hard to get a refund for something you bought that doesn’t work or doesn’t do what the salesman said it would do. The good news is that it is often easier than you might think to get a refund. Here are step-by-step instructions that will work in many situations. In more complicated situations … Read more
Small claims court is often the best option available to enforce your rights against a deceptive or abusive company. Filing fees are much lower than in higher courts and the procedural and evidentiary rules are relatively relaxed and simple. Indeed, the small claims court judges themselves will typically apply the rules appropriately and fairly and … Read more
Telemarketers sometimes have a hard time taking no for an answer. The first step to ending the calls is to simply ask the telemarketer to stop calling you. Once you ask, the telemarketer is required by law to stop calling. Record the details of your request for it to stop calling such as the date, … Read more
Getting unwanted telemarketing calls can be annoying or downright aggravating depending when it comes or how long it takes to get the caller off the phone. When the telemarketing calls come daily, or sometimes more often, the harassment starts to take quite a toll on even the most patient person. The good news is that … Read more
When a debt collector violates your rights by engaging in unfair debt collection practices you can sue it to stop the harassment or abuse and, in many cases, recover monetary damages under the FDCPA from the abusive collector. Although debt relief is not an available remedy under the Fair Debt Collection Practices Act (FDCPA), four … Read more
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