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Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) was enacted into law (Federally, in addition to available state laws) to remedy and prevent abuses of consumer rights by debt collectors, and prompt ethical business practices by them.

Timeshare HB 453/7025

This was originally about timeshare details like board elections, foreclosure procedures, and reserve calculations. Then at the last minute, lobbyists for timeshare developers inserted an amendment that could hamper your ability to sell your timeshare.

Timshare HB 435

Among the bill's numerous anti-consumer provisions is a section that will limit, if not eliminate, a timeshare owner's efforts to exit their timeshare safely and permanently. The bill leaves consumers at the mercy of timeshare companies with little or no assistance when they are unable to use or afford a perpetual timeshare.

Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) governs consumer reporting agencies, and regulates how the personal information of consumers is used and reported. The TCPA also contains protections for residential phone line users who do not have an “established business relationship” permitting the pre-recorded calls from the telemarketer/seller.

Telephone Consumer Protection Act (TCPA)

The Telephone Consumer Protection Act (TCPA) restricts telemarketers from calling consumers who have registered with the Do-Not-Call Registry, and also prohibits use of automated calls, pre-recorded messages, or text messages to cell phones without the consent or prior authorization of the cell phone’s owner.

Additional Resources

How to Dispute Errors on Credit Reports

The FTC explains how to obtain your free credit report and how to properly dispute any errors you might have found on the report itself.

Debt Collector Tips

A few tips on how to protect yourself against debt collectors through the eyes of the Consumer Federation of America.

Identity Theft

Information from the FTC that allows you to how to recognize you have been a victim of ID theft, make a recovery plan and how to file the theft.

Fraud Statistics

The stats are given by Transunion and Experian

     Experian                                 Transunion 

 
 

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