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Laws NDD uses

At National Debt Defense we challenge debts and fight for you under the guidelines set by our country's consumer protection laws.

Here are some of the consumer protection laws that our independent FDCPA Case Attorneys follow to help you become debt free:

Fair Debt Collection Practices Act

One of the significant consumer protection laws, the FDCPA was passed with the motive of enabling the consumers to overcome the fear of debt scams. Under this law, consumers are given the full right to ask for the identification details of the debt collector and proper validation of the debt and its amount.

Federal Fair Credit Reporting Act
Also known as Credit Bureaus or CRA, the Federal Fair Credit Reporting Act empowers the customers to review their credit report. For instance, in case a customer finds that his/her credit report is outdated, he/she can raise this issue and get the report reviewed and corrected. This law has been included to keep a check on the accuracy in keeping a record of the customer’s private information.

Credit Card Act of 2009
Passed by President Barack Obama in 2009, the Credit Card Act of 2009 establishes transparent and fair credit practices. Also known as the Accountability, Responsibility and Disclosure Act.

Right to Financial Privacy Act
This law protects the confidentiality of every consumer’s individual monetary records. According to this law, consumers are entitled to bank records.

Unfair and Deceptive Practices Act
Under the Federal Trade Commission Act (FTC Act), all the people associated with debt (debtor, debt collector and the creditor) are prohibited to use or indulge in any kind deceptive or unfair activities for the sake of collecting the debt amount.

Truth in Lending Act
This federal law has been designed to encourage the educated usage of credit by consumers. The Truth in Lending Act (TILA) enables the consumer to calculate the borrowed amount and its interest in a standardized manner.

Equal Credit Opportunity Act
This law forbids all kinds of discriminations in extending credit on various grounds, such as marital status, sex, national origin, race, color and age.

Federal Fair Credit Billing Act
Under this law, every creditor is required to disclose the identity of the person or organization to which the credit is to be offered prior to the completion of the process.