Know Your Rights: The Telephone Consumer Protection Act (TCPA)

The federal Telephone Consumer Protection Act (TCPA) was enacted in 1991. However, most consumers weren’t aware of the statute and its more limited purpose. The earliest impact of the TCPA most people remember is the creation of the federal “Do Not Call” list in 2003. The Do Not Call registry allowed consumers to opt out …

Know Your Rights: The Fair Debt Collection Practices Act (FDCPA)

When you’re being threatened or harassed by debt collectors, it’s easy to get discouraged. Most people who are behind on their bills and have debts in collection are already under stress. Whether you’re short on money because of a major setback like a divorce or long illness, you’ve lost your job, or you just slowly …