Managing Debt and Consumer Finance Rights

Understanding your consumer finance rights is essential when dealing with debt. Federal laws protect consumers from unfair practices, but many people don't know their rights.

Your Consumer Finance Rights

• Fair Debt Collection Practices Act (FDCPA): Protects against abusive, unfair, or deceptive debt collection practices.
• Fair Credit Reporting Act (FCRA): Ensures accuracy in credit reporting and gives you the right to dispute errors.
• Truth in Lending Act (TILA): Requires lenders to disclose terms and costs of credit.
• Equal Credit Opportunity Act: Prohibits credit discrimination.

Dealing with Debt Collectors

• Know your rights: Debt collectors cannot call before 8 AM or after 9 PM
• Request verification: You can demand written verification of the debt
• Dispute inaccurate debts: File disputes with credit bureaus for errors
• Get legal help: An attorney can help stop harassment and negotiate settlements

How We Can Help

Our Personal Legal Service Plans include unlimited consultation on consumer finance matters. Whether you're dealing with aggressive debt collectors or credit reporting errors, our attorneys can help protect your rights.

Call Ward Business Solutions at (720) 550-2320 for consumer finance legal assistance.