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About Us
Why It Works
Laws We Use
Laws We Use
Why It Works
Laws We Use
Why It Works
Why It Works
Why It Works
Laws We USe
Fair Debt Collection Practices Act
One of the significant consumer protection laws, the FDCPA was passed with the motive of enabling the consumers to overcome the fear of debt scams. Under this law, consumers are given the full right to ask for the identification details of the debt collector and proper validation of the debt and its amount.
Federal Fair Credit Reporting Act
Also known as Credit Bureaus or CRAs, the Federal Fair Credit Reporting Act empowers customers to review their credit reports, which is an essential aspect of maintaining good credit health as outlined in the credit health handbook. For instance, if a customer finds that their credit report is outdated, they can raise this issue and have the report reviewed and corrected, leading to effective financial management. This law is included to ensure accuracy in keeping a record of the customer's private information, which is crucial for those seeking debt free solutions.
Credit Card Act of 2009
Passed by President Barack Obama in 2009, the Credit Card Act of 2009 establishes transparent and fair credit practices, serving as an essential part of any credit health handbook. Also known as the Accountability, Responsibility and Disclosure Act, it supports individuals in finding effective debt free solutions and promotes better financial management.
Right to Financial Privacy Act
This law protects the confidentiality of every consumer's individual monetary records, which is essential for maintaining credit health as outlined in the credit health handbook. According to this law, consumers are entitled to access their bank records, a crucial step towards discovering debt free solutions and improving their overall financial management.
Unfair and Deceptive Practices Act
Under the Federal Trade Commission Act (FTC Act), all individuals involved in debt, including debtors, debt collectors, and creditors, are prohibited from engaging in any deceptive or unfair practices while attempting to collect the debt amount. For those seeking to improve their credit health, the credit health handbook offers valuable insights and debt free solutions that align with effective financial management.
Truth in Lending Act
This federal law has been designed to encourage the educated usage of credit by consumers. The Truth in Lending Act (TILA) enables the consumer to calculate the borrowed amount and its interest in a standardized manner.
Equal Credit Opportunity Act
Federal Fair Credit Billing Act
Federal Fair Credit Billing Act
This law forbids all kinds of discriminations in extending credit on various grounds, such as marital status, sex, national origin, race, color and age.
Federal Fair Credit Billing Act
Federal Fair Credit Billing Act
Federal Fair Credit Billing Act
Under this law, every creditor is required to disclose the identity of the person or organization to which the credit is to be offered prior to the completion of the process.