Receiving a lot of phone calls, letters, or scary messages from debt collectors can make life extremely stressful. Sometimes debt collectors go too far; they may call excessively, use deceptive or hurtful language, or attempt to intimidate you. But did you know there’s a law that protects you from this kind of behavior? It’s called […]

Why Credit Report Accuracy Matters Your credit report is more than just a list of accounts—it’s your financial reputation. Creditors, landlords, insurers, and even employers use it to make important decisions about your future. But when that report contains errors, it can cost you in real ways—from loan denials to higher interest rates. That’s why […]

The Hidden Risks of Choosing the Wrong Debt Relief Company Debt relief promises can seem like a lifeline to those drowning in financial obligations. But what happens when that promise becomes a trap? A major debt relief firm’s sudden collapse sent shockwaves through the industry, leaving behind broken promises, frozen bank accounts, and confused consumers. […]

A Wake-Up Call for Consumer Rights in Credit Reporting In January 2025, the Consumer Financial Protection Bureau (CFPB) imposed a $15 million fine on Equifax, one of the three major U.S. credit bureaus. Equifax was fined because it did not properly investigate credit dispute cases filed by consumers, which is a direct violation of the […]

Why Credit Litigation Matters Credit reports influence every aspect of your financial life—from loan approvals to job applications. But what happens when errors appear on your report, or a creditor falsely accuses you of a debt? That’s where credit litigation comes into play. Justice Consumer Law is here to help you protect your rights and […]