Door-to-door solicitations have become a breeding ground for scams and deceptive sales tactics, not that they’ve ever been anything particularly pleasant. Unsuspecting homeowners often find themselves targeted by schemes ranging from identity theft ploys to high-pressure energy resale tactics and even solar panel scams. This article will explore three segments of door-to-door energy scams to…
Early this month, our in-house identity theft lawyer, Emanwel (Manny) Turnbull, had a chance to engage in discussion with Hatti Savari and her popular, law-focused podcast, “Get Legally Speaking.” The conversation focuses on some of the more alarming trends and statics regarding identity theft and credit reporting errors many Americans face today, in the post-pandemic…
Maryland’s repossession laws have specific provisions designed to protect consumers from overreaching banks and finance companies. You still have protections even if your car was a “voluntary repo.” In general, the bank or finance company still has to give you notice of the time and place of the sale, still has to give you a…
One problem facing victims of identity theft is victim-blaming. People often feel that they must have done something that makes them, in some way, to blame for their ID theft. And some companies like to blame the victim of identity theft, either making them responsible for the original fraud or blaming them for not proving…
Every year, the nationwide consumer reporting agencies (NCRAs)—Equifax, Experian, and TransUnion- receive tens of thousands of complaints regarding incorrect information on consumer credit reports. And, every year, the NCRAs attempt to solve their communication/operational problems with new policies that sometimes work and sometimes make no significant difference. Recently, the Consumer Financial Protection Bureau released its…
Are credit repair companies legit with their business conduct? Generally, no. Some credit repair companies are outright scams that take your money and give you nothing in return. Others may first appear legitimate but also tend to generate a lot of unhappy customers because their service doesn’t live up to their marketing. If you’re considering…
Business owners have access to and curate important/sensitive information, particularly concerning team members and consumers. When business owners must obtain a person’s social security number or personal identification number, they need to take every precaution to ensure that it doesn’t end up in the wrong hands. The Federal Privacy Act The Privacy Act of 1974…
Since November 30, 2021, new regulations have been added to the Fair Debt Collection Practices Act (FDCPA), providing additional support for people experiencing debt collection harassment. Living with debt is difficult enough, and the reasons are far more nuanced than many debt collectors care to acknowledge. Whether you’re living through financial insecurity because of the…
Your healthcare needs should be your first priority, not weighing whether or not you can afford medical expenses. You’ve probably experienced your fair share of surprise “out-of-network” costs over your lifetime. Thankfully, changes are finally being made to protect vulnerable people from experiencing unauthorized bills from “out-of-network” providers. Here’s everything you need to know about…
While people are just trying to make ends meet amid a global pandemic, the last thing they need is unlawful debt collectors harassing them for money. If you’ve been experiencing debt collection harassment, we want to help, and here’s how to stop debt harassment in its tracks. Debt Collection Harassment Debt collection harassment refers to…
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