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Category Archives: Consumer Protection


How “Factoring Companies” Can Take Advantage Of Personal Injury Victims

By Suncoast Civil Law |

Personal injury cases are often resolved with the plaintiff–i.e., the person harmed by the defendant’s conduct–agreeing to what is known as a structured settlement. Basically, this means the defendant purchases an annuity contract that makes periodic payments to the plaintiff. The annuity is managed by a separate company from the defendant (or their insurer)…. Read More »


Does An Erroneous Mortgage Statement Violate Consumer Protection Laws?

By Suncoast Civil Law |

The federal Fair Debt Collection Practices Act (FDCPA) and its state counterpart, the Florida Consumer Collection Practices Act (FCCPA) both prohibit creditors from making false, deceptive, or misleading statements “in connection with the collection of a [] debt.” For example, if a creditor sends you a bill falsely claiming that you owe them money,… Read More »


How Clicking On A Website’s “Terms of Service” Means Signing Away Your Legal Right To Sue

By Suncoast Civil Law |

Everyone has clicked a checkbox stating they agree to certain “terms of service” when purchasing goods or services online. Most of us never bother to actually read those terms. Unfortunately, these terms often include legal language that affect your rights under state and federal law. And the fact that you did not read these… Read More »


FTC, Florida Attorney General Shut Down Fraudulent “Credit Card Debt Relief” Scheme Based In Orlando

By Suncoast Civil Law |

Debt is something that most of us have had to struggle with at one time or another. A sudden job loss or unexpected major expense can quickly throw your finances into chaos. And as the unpaid bills mount, you start looking for any possible solution that may help you catch up. This is often… Read More »


Can I Be Forced To Arbitrate A Dispute Over A False Credit Report Item?

By Suncoast Civil Law |

The Fair Credit Reporting Act (FCRA) is a federal law that gives consumers the right to challenge false or inaccurate information on their credit reports. For instance, if a creditor falsely tells a credit reporting agency that you owe it money, you can sue for damages under the FCRA. The reporting agencies may also… Read More »


Are Unwanted Telemarketing Texts An “Invasion Of Privacy”?

By Suncoast Civil Law |

The Telephone Consumer Protection Act (TCPA) is a federal statute that restricts the use of telemarketing and automated “robo-calls” to make commercial solicitations. Among other practices, the TCPA bans the use of “unsolicited text messages to cellular telephones without the … consent or the recipients.” So if a company is texting you unwanted advertising,… Read More »


Can Debt Collectors Give Out Your Personal Information To Third Parties?

By Suncoast Civil Law |

The Fair Debt Collection Practices Act (FDCPA) is an important federal statute that protects your rights as a consumer. The FDCPA is basically designed to stop debt collectors from engaging in certain abusive practices when dealing with consumers. One of these protections is that, except under very specific circumstances, a debt collector is not… Read More »


Supreme Court Rejects Claims Against TransUnion Over Credit Reports That Falsely Flagged Consumers As “Terrorists”

By Suncoast Civil Law |

A credit report is a written document that contains sensitive information about your credit activity, such as how much credit you have and whether you make your minimum payments on time. There are three main credit reporting agencies in the United States, all of whom are subject to the federal Fair Credit Reporting Act… Read More »


Can A Business Enforce An Arbitration Agreement You Signed With A Third Party?

By Suncoast Civil Law |

When you purchase goods or services online, you are often asked to click a box saying you agree to certain “terms and conditions” or “terms of use.” Buried in these terms there is often a binding arbitration clause. Basically, this means that if something goes wrong with your purchase and you want to sue… Read More »


How Can I Stop Debt Collector Harassment?

By Suncoast Civil Law |

If you fall behind on a car loan, mortgage, credit card, or other payments, you may experience what is known as “debt collector harassment.” A debt collector may call you multiple times a day or week with the intent to intimidate and force you to pay off the debt. Fortunately, there are ways to… Read More »