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Minnesota Consumer Rights Blog

How can you lawfully gets creditors calls to stop?

If you have outstanding debt, then you likely already know about it and are trying to find a way to pay it off. Incessant calls and letters from creditors can add salt to a wound. You'll be happy to learn that there are lawful ways to get creditors to stop contacting you.

You should speak with any creditor that claims that you owe a debt at least once. You should ask them how much you owe, to whom and for what. This will allow you to verify that the outstanding debt is indeed your's. You should avoid giving them any financial or personal identifying information though as this could be used by someone to unlawfully steal your identity.

Did the repo man breach the peace when taking your car? Act now

There are plenty of law-abiding people working in the repossession business -- and there are also quite a few who act like every repossession is a game they're determined to win. Some of those repo agents are definitely not above breaching the peace to get at your car.

But, what does "breaching the peace" generally mean? Here are some examples of how repossession agents can go too far:

Mortgage ads can be very deceptive

When a company gives you a mortgage, you may feel happy and grateful. You feel like they have done you a favor. You needed the loan to buy your dream home, and they agreed to help you out.

It's fine to feel excited about getting the house, but that's not really how a mortgage works. The reality is that they sold you a product. By the time you get done paying it off, they're going to make a lot of money.

Sneaky ways telemarketers get your phone number

Does it feel like an invasion of your privacy when telemarketers interrupt your work, your dinner or your leisure time? Well, it is! And you have every right to be frustrated. Most of the time, you don't even know how they got your number -- particularly to your cellphone.

Well, here are some of the sneaky ways that they do it:

Inaccurate background checks can ruin your life

When a company considers hiring you, they run a background check. When a landlord considers letting you lease a commercial or residential space, they do the same thing. That background check lets them know if you have been truthful with them, if you are actually qualified and if they can trust you.

But can you trust the background check?

Travel and leisure fraud

Traveling and partaking in leisure activities can be some of the most enjoyable experiences of your life. But if you're not careful of what you're doing, you could end up the victim of many forms of fraud.

For example, traveling typically requires you to sign a variety of agreements and contracts. When doing so, you give consent on many different fronts. Some of the most common types of travel agreements are associated with:

  • Renting a car
  • Booking a hotel
  • Making airline reservations

Can you hide your car to prevent repossession?

If you slip behind on your car payments, it won't be long before you hear from your lender. At that point, it's critical to do your part in working out an agreement that allows you to keep your vehicle.

Depending on the circumstances, there may come a point when your lender decides to move forward with repossession. If that happens, your vehicle is at risk of being towed away at any point.

Were you the victim of mortgage fraud?

When buying a home, there's a good chance you'll require a mortgage. While it's simple enough to apply for and obtain funds in today's world, dangers are lurking. For example, you could become caught up in a mortgage fraud scheme without knowing it.

Here's the good thing: There are hundreds upon hundreds of mortgage lenders that are doing things the right way.

Online credit card fraud: Watch for these common scams

In today's world, shopping online is second nature for most people. Not only is it convenient, but it also provides access to the largest selection at the best possible price.

Unfortunately, when you shop online, you'll always have concerns about credit card fraud. Even though there are scammers out there hoping to take advantage of you, there are plenty of steps you can take to protect yourself. It all starts with understanding the most common scams:

  • Fake website: It sounds hard to believe, but some criminals set up fake shopping websites with the sole idea of stealing credit card information from unsuspecting consumers. If you don't have 100% confidence that an online store is legit, it's best to move on.
  • Phishing scam: This often comes in the form of an email, with a scammer making the message appear as if it's coming from your credit card issuer or bank. When you click the link to learn more and share your information, the criminal now has everything they need to access your account.
  • Ad scams: These scams are growing in popularity thanks to the billions of people who regularly use social media platforms. For example, a scammer may post a convincing Facebook Ad for a product or service that doesn't exist. After you pay, the "seller" disappears forever.

Fighting back against inaccurate credit reporting

In the modern world, everyone must maintain their credit score to navigate many areas of their personal and professional lives. When negative marks make it onto a person's credit report, their score may drop significantly, keeping them from qualifying for many opportunities to borrow funds, find housing or even find employment.

Inaccurate information in a person's credit report may mean that this person may suffer serious unfair consequences. If your credit report contains inaccurate information, then your credit score may be much lower than it should be. It is always wise to review your credit report at least yearly, to identify any inaccurate credit reporting and remove it before it can cause you any personal or professional harm. A strong legal strategy and grasp on the credit reporting system can help you preserve your credit score and improve it efficiently.

Get Answers To Your Questions

Contact the Consumer Justice Center. Tommy Lyons can speak with you in a free initial consultation arranged at 800-556-6752, toll free, or by email from wherever you are in the U.S.

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Consumer Justice Center P.A.
367 Commerce Court
Vadnais Heights, MN 55127

Toll Free: 800-556-6752
Phone: 612-200-1495
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