> Consumer Credit Laws

Reporting FDCPA Violations
The Fair Debt Collection Practices Act has strict guidelines about what debt collectors can and cannot do. As a consumer, it’s important that you’re aware of these guidelines, even if you don’t have any accounts that are currently in collections.

Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 introduced major changes to the way consumers filed bankruptcy.

Credit Repair Organizations Act Overview
The Credit Repair Organization Act was put in place to protect consumers from unscrupulous practices by organizations who claim to repair credit. The Act seeks to ensure that consumers who decide to use credit repair services are aware of their rights and are able to make an informed decision about choosing to pay a credit repair company.

How to Contact the FTC
When your rights under any of the several consumer credit laws have been violated, like a FDCPA violation, you should inform the FTC.

Debt Collection Laws
Debt collectors aren't free to take whatever means necessary to collect a debt. In fact, they are governed by federal laws. Being aware of these laws helps protect you from the unscrupulous practices of certain debt collectors.