Wage Garnishment 101: What You Need to Know
Wage garnishment is when you leave a debt unpaid and the court requires your employer to “garnish” or withhold a portion of your wages to pay back the debt.
Identity Theft
Identity theft occurs when someone uses your personal information without your permission, such as your name, Social Security number or credit card.
Credit CARD Act
The credit CARD act ensures that your credit card company sends you a notice 45 days before they can make major changes to the terms of your card.
Equal Credit Opportunity Act
The Equal Credit Opportunity Act prohibits credit discrimination by Race, Color, Religion, National origin, Sex, Marital status, and Age.
Fair Credit Billing Act
The Fair Credit Billing Act (FCBA) gives people the right to dispute errors on accounts, such as credit cards. The creditor must resolve the dispute.
Lemon Laws
Lemon laws make it easier for the buyer of a new car to sue for damages or have the car replaced if the dealer or manufacturer can’t fix it.
Fair Debt Collection Act
The Fair Debt Collection Act controls the way debt collectors can behave in trying to get payments. Debt collectors may not harass you.
Fair Housing Act
The Fair Housing Act bans discrimination for housing. According to the Fair Housing Act, no one may take any actions based on prejudice.
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