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Consumer Law & fraud : Law & Legal & Attorney

How to Convert FHA to a Conventional Mortgage

FHA loans allow borrowers to purchase a home with a low down payment and flexible credit requirements. However, when it comes time to refinance a loan, FHA does have strict requirements. For example, a borrower may be limited on taking cash out of a home. Conventional mortgages provide more flexibil...More...

Food Allergen Labeling Law

In 2004, Congress found that many Americans suffer from food allergies and that some were dying because of allergic reactions to food. Many food products were not being properly labeled, and people did not know allergens were in the food they were eating. The Food Allergen Labeling and Consumer Prot...More...

Wrongful Credit Reporting Rules

The guidelines for proper credit reporting are outlined in the Fair Credit Reporting Act (FCRA) of 1977. The FCRA defines the proper methods for reporting accounts to ensure that each individual possesses a fair and accurate credit report....More...

Do Assets in a Trust Have to Pay the Deceased's Debts?

Many people set up trusts to help their heirs avoid costly and time-consuming probate cases. When the grantor of a trust dies, the beneficiaries named in the trust have clear title to the assets in the trust, which remain subject to the claims of creditors. State laws set down the method and priorit...More...

Do Collection Agencies Have to Provide Proof of a Debt?

When a collection agency calls you to collect on a debt, you have the right to ask for validation that they have the necessary documents pertaining to your account. Some debt collectors do not have the documents and some do. If you ask a company for your records and they don't have the documents, do...More...

How to Spot the Jamaican Switch Scam

Scam artists are in the news it seems every single day for taking advantage of unsuspecting and often trusting people, these frauds are however preventable. If a person knows what to look for, they can discriminate when a fraud is taking place. One common and preventable fraud is the Jamaican switch...More...

Trail Association Bylaws

According to the West's Encyclopedia of American Law as quoted by TheFreeDictionary Legal Dictionary, bylaws are "the rules and regulations enacted by an association... to provide a framework for its operation and management." Trail association bylaws are designed to offer guidelines on who may join...More...

Can a Home Be Purchased Before an NTS Auction?

Typically, you cannot contact the trustee before the sale to try to purchase the property. The best way to purchase the property is to contact the existing property owner to make purchase arrangements directly with the owner....More...

New Jersey Statute of Limitations on Debt

The purpose of the New Jersey statute of limitations on debt is to prevent creditors from filing a lawsuit years after the alleged debt occurred. If a creditor could file a lawsuit at any time, the New Jersey court system would be overrun with cases. It also protects debtors from a surprise lawsuit ...More...

How to Testify in Court

Witnesses who testify in court are called to tell the truth and to uphold the rules and laws of the court. To testify in court, a person needs to know how to answer questions properly and how to prepare for the atmosphere of the courtroom. Learn how to testify in court to ensure you follow the rules...More...

Credit Card Liability Law

Credit and debit cards are a lot safer than carrying cash, but they carry their own built-in pitfalls. A card--or even a card number--can be lost or stolen, and you might not know it until the thief drains your bank account or credit line. Federal laws do protect your money, though. According to the...More...

Laws on Credit Card Fees

Find out how new credit card laws limit what card issuers can charge in fees.three credit cards image by Aleksandr Ugorenkov from Fotolia.comIn February 2010, new credit card laws were passed to regulate how credit card issuers deal with cardholders. The laws, in essence, are to protect......More...

How to Buy a Home Before It Goes to the Sheriff Auction

Buying a foreclosed property may allow you to build your real estate investment portfolio while spending less than the market value of the home. In most states, lenders have the option of selling foreclosed homes at a sheriff's sale, usually through an auction. However, you can use several strategie...More...

Statute of Limitations on Check Fraud in South Carolina

Check fraud, also known as drawing and issuing fraudulent checks, is illegal in South Carolina. Check fraud occurs when an individual has an intent to defraud and writes a check knowing that he does not have enough funds in his account to cover the check....More...

Consumer Protection Laws on Credit Card Disputes

Consumers have the right to dispute unauthorized charges on their credit cards.wallet and credit cards image by CraterValley Photo from Fotolia.comIf you open your credit card bill and find unauthorized charges, you have the right to have them investigated and removed. The Fair Credit......More...

How to Remove Judgements

When a debt has not been paid, creditors will try various methods to collect the debt. Often, they will turn the debt over to a collection agency, which may then take the debtor to court. Should the court find in favor of the plaintiff (the person to whom the money is owed), a judgment will be filed...More...

Homeowners' Association Laws

HOA laws can maintain neighborhood continuity.village homes image by John Keith from Fotolia.comHomeowners' associations (HOAs) help to preserve and improve neighborhood home values through regulation of home presentation and maintenance. These regulations are not enforced by local......More...

How Does Electronic Checking Work?

About Electronic CheckingElectronic checking refers to the process of transferring money from or to a checking account digitally. This should not be confused with wire transfers, although the terms are sometimes used interchangeably. A wire transfer involves direct communication between......More...

What Happens if a Dentist Sends My Bill to a Collection Agency?

Dentists usually handle their billing in-house, with you either paying for your services in full when you get your bill or working out a payment plan with your dental office. However, when you fail to pay your bill within a certain period, the dentist might sell the account to a collection agency. A...More...