Every person is entitled to one free credit report a year at annualcreditreport.com or you can call 1-877-322-8228. The Fair Credit Reporting Act (“FCRA”) regulates credit […]
The Fair Credit Billing Act (“FCBA”) provides a consumer the right and ability to dispute errors on their credit card or bank statements. The dispute occurs, […]
Pursuant to the Fair Debt Collection Practices Act (“FDCPA”), a debt collector is required to send (within 5 days of its initial communication with the consumer) written notice […]