Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) of 1970 tells how credit reporting companies are to process and maintain your credit information. The FCRA also dictates that credit reporting companies and information suppliers (companies and individuals that supply your credit information to credit reporting companies) make sure that your information is accurate and up-to-date and remains…

Read More

The Consumer Protection Act

Almost everyone in America is a consumer.  Americans routinely buy, lease, sell, or dispose of goods and services.  Most consumer sales or transactions go smoothly, and if an issue arises, the seller or lessor resolves it quickly.  Unfortunately, some suppliers and vendors take advantage of consumers, do not treat them honestly or fairly, or lie…

Read More

Why Do You Need a Will?

Death is inevitable.  Your death will be an emotional and chaotic time for your loved ones.  In order to avoid conflict and confusion regarding the disposition of your money and property you leave (who receives what), have a will.  A last will and testament (hereafter referred to as a “will”) is a legally binding document. …

Read More

Fair Debt Collection Practices Act

Many people use credit to obtain goods or services – phones, televisions, vehicles, food, gas, meals, and more.  Credit may be arranged by a credit card or a loan from a business, a friend, or a relative.  Creditors, however, expect that they will be repaid.  When debts are not paid timely, lenders send notices to…

Read More

An Inaccurate Credit Report

In America, we often make purchases with credit.  However, stores, car dealers, banks, or other lenders typically review our credit report before deciding whether to extend credit to us to make a purchase on credit or to determine the interest rate that we will pay.  A lower interest rate generally results in less amount of…

Read More

Tennessee Lemon Law

Automobiles are a necessity in America.  We use them to travel to and from work, run errands, see doctors, shop, take children to school, attend religious services, and more.  Cars and trucks, however, are not without problems; they break down, require maintenance, upkeep, and repairs, and more.  Some vehicles have problems from the start.  In…

Read More