San Bernardino and Riverside Counties

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Consumer Rights

Consumer protection laws work to ensure fair transactions between consumers and businesses. 

If you are in debt, know what you can and cannot do under the Fair Debt Collection Act and other protective measures.  Prevent damage to your credit score, financial health, and peace of mind.  Learn about your rights, identity theft, and potential scams.

Topics

Home Foreclosure, Taxes and Debt Collection

Information about the 2007 debt forgiveness that generally allows taxpayers to exclude income from the discharge of debt on their principal residence. Debt reduced through mortgage restructuring, as well as mortgage debt forgiven in connection with a foreclosure, qualify for this relief. 

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Your Rights and the Responsibilities of the Mortgage Servicer

When you apply for a home mortgage, you may think that the lender, or loan originator, will service the loan until it is paid off or your house is sold. However, in today's market mortgage servicing rights often are bought and sold. The Real Estate Settlement Procedures Act (RESPA) is a consumer protection statute.

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Consumer Financial Protection Bureau

Our mission is to make markets for consumer financial products and services work for Americans — whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products.

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Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

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Collection Bully

Finally Putting the Law to Work for You. 

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