Creditor Abuses
When creditors break the rules, you have options.
Federal and state laws place strict limits on how creditors, lenders, and collectors may treat consumers. Here are the three areas where abuses most often occur.
Credit Card Debt
Improper fees, misapplied payments, statute-of-limitations games, and zombie debt — credit card issuers and buyers of charged-off accounts routinely cross legal lines.
Read more →Bank Lending
Predatory mortgages, undisclosed fees, bait-and-switch terms, and equity stripping. Federal laws like TILA, RESPA, and ECOA exist to protect borrowers.
Read more →Debt Collection
Calls at all hours, threats, false statements, and contact with third parties. The Fair Debt Collection Practices Act draws bright lines — and collectors who cross them face liability.
Read more →Know the Law
The Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), and the Telephone Consumer Protection Act (TCPA) form the backbone of federal consumer protection. Many states layer additional protections on top. When a creditor or collector violates these statutes, you may be entitled to actual damages, statutory damages, and attorney's fees — and in some cases, the underlying debt may become unenforceable.
Don't go up against your creditors alone.
Talk with our team about your options — free, confidential consultation.