When you take a look at your credit report, do you notice that section called “credit inquiries” followed by a list of companies or names? The credit reporting agency has provided those companies listed in that section with access to your credit report. You probably don’t recognize some of the names listed but simply assume the inquiries are lawful. But the truth is that many of those companies do not have a permissible purpose for accessing your credit report.Continue reading
What Is Workplace Sexual Harassment?
People are talking about workplace sexual harassment. This is a good thing. People generally agree, thankfully, that sexual harassment is a practice that has no business existing in the modern world, including the modern workplace. But that agreement ends when people start debating what actually constitutes workplace sexual harassment. The law can shed some light.Continue reading
Beware Retailers’ Interest Free Deals
Retailers often offer “interest free” purchases. These “deals” are actually credit cards offered by banks. But these banks can’t make money when the credit they are offering is interest free. So they put obstacles in the way to make it difficult to comply with their terms to ensure that you end up paying them something and they turn a profit.Continue reading
Can Employers Discriminate on the Basis of Sexual Orientation?
Sexual orientation discrimination is still too prevalent. Differing state and federal laws and protections require careful analysis and an experienced attorney to ensure that your rights are properly enforced.Continue reading
Has Your Lender Charged You for an Insurance Policy You Did Not Need?
Regulators and courts are scrutinizing lenders and loan servicers for buying force-placed insurance policies. A primary concern is the relationship among loan servicers, lenders, and insurers.Continue reading
Why Age Discrimination is a Growing Problem
All forms of discrimination are disgusting. And employees are entitled to be judged on the merits of their performance, not their race, color, gender, or other irrelevant consideration. But age discrimination is especially egregious for two related reasons.Continue reading
Is a Foreclosure-Related Letter an Attempt to Collect a Debt?
Foreclosure-related notices are treated differently than other types of debt collection letters. There are several important factors that determine whether they are subject to the Fair Debt Collection Practices Act.Continue reading
Can You Revoke Consent to Receive Debt Collection Calls and Texts?
You ever wonder why a credit card, lease, loan, or other agreement is dozens of pages of tiny print? So they can hide provisions whose sole purpose is to prejudice your rights. I’ve talked in the past about mandatory arbitration provisions and the lengths corporations go to keep you out of court. However, careful consumers need to also keep their eyes open for provisions which grant the business the right to contact them through the use of an automatic dialing system.Continue reading