CFPB Credit Card Agreement Database

CFPB Credit Card Agreement Database

In many cases where I'm defending a consumer in a credit card collections case, my client does not have a copy of the original cardholder agreement. Debt collectors usually provide an old and unauthenticated copy of a contract, but how can you verify whether it is genuine? The answer may be at the Consumer Financial Protection Bureau's Credit Card Agreement Database.

Identity Theft Danger - Trojan Horses

Identity Theft Danger - Trojan Horses

Thieves used to steal their victims' identities by physically taking their mail, social security cards, or driver's licenses. The Internet means identity theft can take place on a massive scale. We often hear of high-profile data breaches involving big corporations, but thieves also attack individual computers by the thousands. One of the most common forms of attack is the Trojan Horse. Learn more about this insidious malware and what you can do to protect yourself from it.

Facebook Scams – "Like-Farming"

Facebook Scams – "Like-Farming"

Now that Facebook has expanded the popular “like” button to include other reactions, it’s a good time to ask, “Can ‘liking’ and ‘sharing’ Facebook posts and pages be hazardous to your digital health?” Sadly, the answer is, “Yes”. Scammers and unethical advertisers use these popular posts and pages to take advantage of unsuspecting users to gather personal information, steal identities, and spread malware.

Lumosity "Brain Training" Games Didn't Make Lumos Labs Any Smarter

Lumosity "Brain Training" Games Didn't Make Lumos Labs Any Smarter

Lumos Labs, maker of Lumosity, admitted in a settlement agreement with the FTC that it did not have reliable scientific evidence that its games delay or protect against a decline in cognitive function or that they improve performance in school, at work, or in athletics. The FTC also charged Lumos with deceptive acts by failing to disclose that some of its favorable customer endorsements were solicited with offers of significant prizes.

Can I negotiate with the government taking my property?

Can I negotiate with the government taking my property?

Yes. In fact, the first step in the process will be for the condemnor to contact you to negotiate the purchase of your property or property rights. They are required to pay you "just and adequate compensation" for your property. Generally, however, you can expect the initial offer from the government will be nowhere close to what your property is worth.

What if the government or a utility company takes or damages my property without telling me?

What if the government or a utility company takes or damages my property without telling me?

Eminent domain and constitutional takings law is important not only when the government comes to take your property for a project using eminent domain proceedings. The government may also be required to compensate you when it takes or damages your property without using its power of eminent domain.