Writing a personal check that "bounced" for lack of sufficient funds in the bank account could subject the payor to civil and criminal prosecution-even if he or she failed to realize there were...
Make sure your personal and payment information sent on online is sent in a secure Web transaction to avoid identify theft.
Identity theft, a growing problem, occurs when someone uses...
Buying on credit has become so common that it is often taken for granted and the legal consequences are not understood. Never accept the invitation to "buy now and pay later" without being fully...
Identity theft can wreak havoc on personal finances, but there are ways to take control of the situation.
If an identity thief steals mail to get new credit cards or information about bank...
It’s a jungle out there, especially for cash-strapped consumers. There are scam artists just waiting to prey on those who are in debt and in need of cash or a seemingly easy opportunity to pay off...
Buying on credit has been and will continue to be a key way for consumers to obtain the goods and services they need now but want to pay later.
The law provides a number of protections to...
Imagine receiving a gift card for the holidays – only to find it had expired or lost its worth before you could use it.
That was the dilemma facing many gift card recipients before a new...
When buying on credit using an installment plan, you are protected by law when a "security agreement" or contract is provided by the seller and signed. The agreement contains the terms of the...
Under the Equal Credit Opportunity Act, a consumer is ensured that he or she has an equal chance to obtain credit to finance a purchase of goods or services.
To be considered credit worthy...
Many Americans buy merchandise with a credit card, thinking they will make the payments in a timely manner.
But if payments become delinquent, it is likely a bill collector will call. The...
That new coffee maker that didn’t brew, the new washing machine that rattles constantly, the new leather chair that arrived with scratches on it – it can be frustrating but there are solutions for...
Situations arise that prevent people from honoring written contracts they have signed.
Those who have unpaid debts have options such as working out agreements to pay back debts over time,...
Federal law provides several rights for consumers who have paid by credit card and find they need to dispute charges for goods or services.
The "billing error" rule applies if there is a...
A federal law enacted in February 2008 increased the penalties for identity thieves from five to 15 years in prison. Yet, the increased penalties barely made a dent in identity theft crime....
Take caution before taking advantage of the "opportunity" to restructure multiple debts into one large loan.
As any financial planner, loan officer, or lender understands, "consolidating...
The Fair Credit Reporting Act is a federal law that was designed to protect the rights of credit-active consumers by placing limits on who may see a copy of their credit reports.
It...
Work-at-home scams are on the rise as the economy continues its nosedive and job layoffs increase.
Complaints about these scams are among the top 10 received by the Better Business Bureau...
Whatever your legal situation, let us help you find an ISBA member lawyer near you.
Look for this mark to identify an ISBA member lawyer.
Follow Us On These Social Networks: