Consumer Rights
Your rights when dealing with debt collectors, credit reports, small claims court, credit card disputes, and identity theft.
Debt Collector Rules
The Fair Debt Collection Practices Act (FDCPA) is a federal law that limits what debt collectors can do when trying to collect money from you. It covers third-party collectors — companies that buy or...
Credit Report Rights
The Fair Credit Reporting Act (FCRA) gives you the right to see what is in your credit report, dispute mistakes, and have inaccurate information corrected or removed. Your credit report affects your a...
Small Claims Court
Small claims court is a special court where you can sue someone for a relatively small amount of money without hiring a lawyer. It is designed to be simple, fast, and affordable. Most cases are heard...
Chargeback Rights
If you paid for something with a credit card and the product was defective, never delivered, or the charge was unauthorized, you have the right to dispute the charge with your credit card company. Thi...
Identity Theft Rights
If someone uses your personal information — your Social Security number, credit card number, or other identifying data — to open accounts, make purchases, or commit fraud in your name, you are a victi...