Federal Laws
The Truth in Lending Act Violations (TILA) mandates lenders to provide clear and accurate loan information. Specifically, TILA requires that borrowers receive comprehensive details on interest rates and total costs before finalizing a loan. Violations, such as undisclosed fees or misleading terms, undermine your financial security. If you detect discrepancies or unfair practices in your loan documentation, consult with a federal lawyer from the Hanson Law Office. We specialize in addressing TILA violations, ensuring your rights remain protected.
Real Estate Settlement Procedures Act (RESPA)
The Real Estate Settlement Procedures Act (RESPA) enforces strict rules on mortgage servicers to guarantee fair treatment of homeowners and borrowers. Furthermore, RESPA mandates accurate management of mortgage and escrow accounts while requiring timely responses to error notices and information requests. Moreover, if you face issues with your mortgage servicer or suspect non-compliance with federal consumer laws and regulations, reach out to Attorney Rollie Hanson. We offer expert advice and support to address any RESPA-related concerns effectively.
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) safeguards consumers from abusive debt collection practices. This federal law restricts collectors from engaging in harassment, using deceptive tactics, or contacting consumers under improper conditions. For example, if a debt collector calls outside permissible hours or threatens legal action, you can seek relief through legal channels. Moroever, a federal law lawyer at the Hanson Law Office can assist you in navigating FDCPA violations. We can pursue statutory penalties and ensure collectors follow fair practices.
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) sets standards for maintaining accurate and fair credit reporting. Credit agencies and creditors must ensure the information on your credit report remains current and correct. Additionally, if inaccuracies arise, you can request corrections, and agencies must respond within 30 days. For assistance with credit report disputes or to address FCRA violations, contact Hanson Law Office. So, our federal lawyers are ready to offer guidance and legal representation to resolve serious credit issues effectively.