In many ways, debt is an unavoidable part of modern life. Whether the debt comes from significant investments or smaller purchases along the way, there comes a time when it becomes impossible to make the monthly payments. Collection calls can feel humiliating,...
Consumer Protection
Can you stop debt collector calls?
It can be nerve-racking to experience unwanted phone calls. While robo calls and unsolicited calls from companies can be addressed by getting on a no call list, this is not how individuals in North Carolina and elsewhere battling with debt and debt collectors can...
Understanding the law on fraudulent advertising
Most people believe that if a company is advertising a product for sale, that the company’s representations are truthful. However, this is not always the case and consumers can be harmed by fraudulent advertising and marketing. Fraudulent advertising is against the...
People facing hefty debt may be vulnerable to attempted scams
In North Carolina, people tend to accumulate debt late in the calendar year. This can be due to travel, buying gifts and other outlays that lead to large bills. In other situations, there is illness, lost employment and challenges that put a dent in a person’s bank...
Consumer protection from creditor harassment
The economic upheavals of the past couple of years have led to higher household debt for many in North Carolina and around the country, as many have struggled to stay above water to make ends meet. What people under such stressful circumstances do not need is...
An overview of the Telephone Consumer Protection Act
Many consumers have experienced seemingly endless robocalls and spam calls on their phones. Consumers may not be aware that there are regulations to prevent this type of contact. Telephone Consumer Protection Act The Telephone Consumer Protection Act (TCPA) restricts...
What creditors can and cannot do when trying to collect debt
Sometimes one of the worse parts for people who owe money to creditors is the calls from the debt collectors. They can seem to be constant and force people to ignore phone calls and can create even more stress than they are already feeling due to their situation. Many...
Material versus minor breach of contract
Contracts form the backbone of many business transactions in Fayetteville and keep our state’s economy running. While most people follow through on their end of the agreement there are times when a person will breach a contract. There are two types of breach of...
Consumer rights under the Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) protects consumers by ensuring that their information is accurate and remains private in consumer credit bureau files. It also regulates how credit reporting agencies collect, access and use data contained within consumer reports....
Filing a defective product class action lawsuit
Most consumers purchase and use products without ever considering that they could harm them. However, defective products harm many consumers each year. Defective products When a person is harmed by a defective product, he or she may have a claim under product...