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Consumer Rights FAQ

Your Consumer Rights, Explained

Clear answers to the most common questions about fair debt collection, credit reporting accuracy, robocalls, and deceptive business practices. Not sure if you have a case? We'll review it for free.

FDCPA

Fair Debt Collection

FCRA

Credit Reporting Accuracy

TCPA

Telemarketing & Robocalls

State & Federal

Deceptive Trade Practices

Legal disclaimer: These answers are general information, not legal advice, and don't create an attorney-client relationship. Laws change and every situation is unique. For guidance specific to your circumstances, request a free, confidential consultation.

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Your Consumer Rights, Explained

Fair Debt Collection

What is the Fair Debt Collection Practices Act (FDCPA)?

Can a debt collector call me at work or at all hours?

What counts as debt collector harassment?

Do I owe a debt the collector says I owe?

Can a collector sue me or threaten to sue?

Credit Reporting Accuracy

What is the Fair Credit Reporting Act (FCRA)?

What should I do if my credit report has errors?

What is a 'mixed file' and how does it happen?

Can I sue for identity theft damage on my credit report?

Who is responsible for fixing credit errors — the bureau or the creditor?

Telemarketing & Robocalls

What is the Telephone Consumer Protection Act (TCPA)?

Are robocalls and spam texts illegal?

What if I never gave consent but keep getting calls?

Deceptive Trade Practices

What are deceptive trade practices?

Can I challenge hidden fees or predatory contracts?

Still have questions about your rights?