Your Rights and the Law
In order to protect yourself, you need to understand your rights and the laws that cover your credit issues.
Consumer Protection Laws – What rights do you have under the law and where can you find out more information?
What are your rights when a creditor calls?
How can you put an end to receiving unwanted telephone calls and "junk" mail solicitations?
If you want more specific information; here are direct links to the laws:
- Equal Credit Opportunity Act
Prohibits credit discrimination on the basis of race, sex, color, martial status, religion, national origin, age or receipt of public assistance.
- Fair Credit Billing Act
Establishes procedures for the prompt correction of errors on open-end credit accounts. It also protects a consumer's credit rating while the consumer is settling a dispute.
- Fair Debt Collection Practices Act
Requires debt collectors to treat you fairly by prohibiting certain methods of debt collection.