Did you know you have rights in regards to your debt? We use these laws to help you.
Fair Debt Collection Practices Act (FDCPA)
The statute’s stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information’s accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act.
The FDCPA was originally approved on September 20, 1977 (and has since been amended) it is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Truth in Lending Act (TILA)
The TILA of 1968 is a federal law designed to promote the informed use of consumer credit, by requiring disclosures about its terms and cost to standardize the manner in which costs associated with borrowing are calculated and disclosed. 
TILA also gives consumers the right to cancel certain credit transactions that involve a lien on a consumer’s principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. it requires uniform or standardized disclosure of costs and charges so that consumers can shop.
Student Loan Debt Protection
The United States Federal government treats private student loans the same as they treat any other debt or credit, so we are able to use all of the above laws and protections even when battling student loan debt.
Telephone Consumer Protection Act (TCPA)
The TCPA was passed in 1991, and it protects consumers and citizens from unsolicited calls, or harassing calls. Specifically, in regards to debt collection, and for all intents and purposes, we utilize these protections to ensure that creditors aren’t harassing you in an unlawful manner.
Fair Credit Reporting Act (FCRA)
The FCRA is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.
The FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information.  Together with the Fair Debt Collection Practices Act (“FDCPA”), the FCRA forms the foundation of consumer rights law in the United States.
Federal Trade Commission; Explanation of Citizen’s Rights.
You can find more information about these laws at the Federal Trade Commission’s website:
Sign Up Today And See Your New Low Payment
Free Credit Report Upon Request