Your Rights (Consumer Laws)
You Have Rights. We Help You Use Them.
When you're navigating financial challenges, it may feel like credit card companies and collectors hold all the cards. But the truth is, you are protected by federal and state laws that set clear limits on what those companies can do.
At First Choice Auditors, we believe you deserve to understand those rights. Whether it’s stopping harassment calls or understanding your state’s wage protection laws, we’re here to empower you with information.
Key Federal Laws That Protect You
Fair Debt Collection Practices Act (FDCPA): Prohibits creditors from using abusive or deceptive tactics. They cannot call at odd hours, make threats, or contact you at work if you ask them not to.
Fair Credit Reporting Act (FCRA): Ensures accuracy in your credit reporting and gives you the right to dispute errors.
Truth in Lending Act (TILA): Requires lenders to disclose all terms of credit clearly and accurately.
Common State-Level Protections
Each state has its own rules on what creditors can do:
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Wage Garnishment Limits
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Statutes of Limitation on Old Credit
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Consumer Assistance Programs
What to Do If Your Rights Are Violated
If a creditor violates your rights:
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Document everything (calls, letters, emails)
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Submit a complaint to the CFPB
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Contact First Choice for legal referral guidance
We can help you navigate these situations while continuing on your path to relief.
How Our Program Honors Your Rights
When you enroll with First Choice, we ensure:
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All communications are handled respectfully and legally
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Your state’s consumer laws are considered in every action
You’re empowered with knowledge, not overwhelmed with fine print.
First Choice Auditors is a not a lender, loan broker, creditor, credit services organization, or debt collector. First Choice Auditors does not assume or pay any debts; receive, hold or control funds belonging to consumers; make any claims regarding improvement of a consumer’s credit scores; or provide bankruptcy, legal, accounting or tax advice. Please contact a tax professional to discuss the tax consequences of debt relief, and a bankruptcy attorney for more information on bankruptcy. Programs are not available in all states. Prior to enrolling, it is essential to read and understand all of your program terms, conditions, and materials. Programs vary depending on a consumer’s debt load and individual circumstances. Not all debts are eligible for enrollment. . We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific amount of time. Program fees are calculated based on a percentage of your total enrolled debt with the program and charged proportionally per enrolled debt. Our fees are not collected until negotiations have been arranged, it is approved by the debtor, and at least one payment has been made.The use of Debt Relief services will likely adversely affect your creditworthiness, and the outstanding amounts of your enrolled debts may increase due to the accrual of fees and interest. It may also result in you being subject to collections or being sued by creditors or collectors. Please contact us for more information.
