Even with the advent of minimalism and anti-consumerism, it’s impossible to live in the world without buying.
As Magee consumer law attorneys, we deal with various consumer complaints and legal problems that may arise between companies and customers. Product recalls, lemon laws, and truth in advertising are a few typical consumer law examples. You may need to hire a lawyer to assist you if you believe a company has harmed you or if you are having trouble getting a refund or an exchange for a damaged item. Knowledgeable advice from a consumer law expert like attorney Daniel Ware of Ware Law Firm can explain your legal rights and work to get you the money or other relief you deserve. Contact Ware Law Firm for a case review and legal guidance on your claims.
Laws That Protect Consumers
Mississippi citizens have rights under federal law, even though Mississippi law lacks several consumer protection provisions seen in other states.
Here are a few laws that are in force to protect you.
The Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) mandates that your credit reports be accurate and transparent. Legal liability for inaccurate reporting may extend to the reporting parties and the credit bureaus. The FCRA is concerned with how credit reporting organizations use the data they collect about your credit history. The law protects consumers from being victimized by incorrect information. It provides incredibly detailed standards on credit reporting organizations’ procedures to gather and validate data. The FCRA also outlines why that information may be disclosed.
Fair Debt Collection Practices Act
There are restrictions on the tools and tactics debt collectors can employ while attempting to recover money owing under the Fair Debt Collection Practices Act (FDCPA). This federal law regulates the acts of third-party debt collectors who work to recover debts on behalf of another person or organization. The methods, timing, and frequency of communication between debtors and collectors are all subject to limitations within the legal system. The debtor may file a lawsuit for damages against the debt collection agency and the individual debt collector for the emotional and physical harm caused by the improper debt collection activities if the FDCPA is broken.
Telephone Consumer Protection Act
The Telephone Consumer Protection Act was passed to limit automated telephone dialing systems, artificial voice messages, and telemarketing calls. This law is designed to safeguard you from harassment and other improper behavior should you ever be approached by a third-party debt collector. Competent third-party collectors acting in your best interests won’t ever break the law or disrespect your unique situation. If you are listed on a do-not-call registry, telemarketers are not allowed to contact you without your permission.
Truth in Lending Act
Due to the Truth in Lending Act, consumers are protected from predatory and unfair lending practices, both in terms of interest rates and fees. The Truth in Lending Act aims to guarantee that you are given a detailed explanation of all applicable fees and conditions. Due to its requirement that lenders present specific terms consistently, the act also makes it simple to evaluate the prices of lending among various products. This way, the law protects you from predatory lending and publicizes borrowing risks and costs. Ask your Magee consumer law attorney more about these laws and how they affect you.