Articles Posted in Federal Consumer Statutes


New-series-on-reviewing-the-actual-text-of-the-FDCPA-Fair-Debt-Collection-Practices-Act-300x300Welcome to a new series of articles and videos on the actual text of the FDPCA (Fair Debt Collection Practices Act) which is found at 15 USC Section 1692.

We will still continue to do normal articles and videos but it is good to go to the literal text of the law to make sure we understand it.  Then when we review case decisions they will make more sense having read the actual law.

This law is so powerful as there are many abusive debt collectors out there.  You need to know your rights so you can take action to stop the abusers.


We just were this week contacted by an Alabama consumer who is dealing with false charges on her credit card bills. Unfortunately, this problem affects consumers across the country including those of us in Alabama.

Our friend Jay Fleischman has an excellent post on this issue which we recommend you read. Jay has several points but here are just a couple of things you need to do to dispute the false charge:

You must:


We recently posted on a FTC Report on the Fair Debt Collection Practices Act and now there is a well written post on the California Debt Blog about the most recent FTC report – please read it in its entirety here. There are good collectors and bad ones. When you run into a bad one, contact a consumer attorney for a free consultation as to your rights.

Another resource for you is to join our Facebook Fan Page – Alabama Consumer Protection Attorneys where we share useful information about the same types of issues that we cover in this blog.


Our friend Matthew Dunaway is a consumer and bankruptcy attorney in Birmingham, Alabama, and on his blog Birmingham Bankruptcy Blog he has a recent series of articles that give a very nice overview of various federal consumer statutes. Here is a partial listing:

Truth In Lending Act (TILA)

Right of Rescission Under Truth In Lending Act

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