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The Fair Debt Collection Practices Act
In 1977, Congress enacted the Fair Debt Collection Practices Act (FDCPA) as a way to protect consumers from harassment, deceit, and unfair tactics by debt collectors. The FDCPA applies to…
Skimming is a form of identity theft that extracts credit card information when you use the card in a modified public card reader. Skimmers are typically installed on ATMs or…
When you are borrowing money, one of the main numbers to consider is the annual percentage rate, typically abbreviated as APR. The APR is the percent of the borrowed amount…
Consumer reporting agencies, sometimes abbreviated CRAs and also known as credit bureaus, collect credit information about individuals and sell this information to third parties upon request. In the United States,…
Identity theft remains a serious issue in the United States. How serious? According to the Identity Theft Resource Center, 166 million records were exposed so far to identity theft in…
Secondhand stores are flourishing. According to The Association of Resale Professionals, where retailers only see around a two percent increase in sales a year, sales at secondhand stores are growing…