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.
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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
Wage Garnishment Limits
Statutes of Limitation on Old Credit
Consumer Assistance Programs
What to Do If Your Rights Are Violated
- Document everything (calls, letters, emails)
- Submit a complaint to the CFPB
- Contact First Choice for legal referral guidance
How Our Program Honors Your Rights
- All communications are handled respectfully and legally
- Your state’s consumer laws are considered in every action