The Effects of Identity Theft on Your Credit
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The Effects of Identity Theft on Your Credit
When someone steals your identity, it can wreak havoc on many aspects of your life. Your bank account can be drained, your reputation could be damaged, or you could even be accused of a crime in some situations. One of the biggest impacts, however, is the one on your credit. Many adults work for years […]
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Identity Theft Scams During the COVID-19 Crisis
As if we do not have enough to worry about with the threat of COVID-19 exposure, many people are using the crisis as an opportunity for wrongful gain. Identity theft scams come in many forms at this time, and scammers prey on already concerned and uncertain consumers. It is important to stay aware of possible […]
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Were You the Victim of Credit Card Fraud?
Credit card fraud is a crime in California that can cause serious financial harm to victims. You might be affected by the actions of an individual who steals your identity or account information, or you might suffer harm due to the wrongful actions of a credit card company. In either situation, it is important to […]
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California Identity Theft Law Allows for the Recovery of a Civil Penalty Up to $ 30,000.00 From Claimants For Identity Theft Victims Who Meet Certain Criteria
Many victims of identity theft face debt collection attempts by banks, creditors and debt collectors. It is not uncommon for these lenders to continue to pursue victims of identity theft for debt balances incurred by the identity thief, even after being notified that the debts were incurred by the identity thief! These lenders will often […]
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How an Inaccurate Credit Report Can Affect Your Life
Your credit report is used for many purposes, and it should be an accurate record of your financial history. Unfortunately, companies might report wrong information that can adversely impact your life in many ways. The following are some issues that can arise due to an inaccurate credit report. Low Credit Score It takes time to […]
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Did Your Employer Unlawfully Retaliate Against You?
Employees in California are strictly protected from unlawful workplace discrimination and harassment based on many protected characteristics. However, when an employee believes they have been treated wrongfully, they might hesitate to report the matter to their employer. This is often because they fear their employer will take action against them in response to their complaint. […]
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Unlawful Acts By Debt Collectors
The Fair Debt Collection Practices Act (FDCP) protects consumers from wrongful debt collection practices. Unfortunately, third-party collectors continue to violate the law in many ways and violate debtors’ rights. In fact, in 2018, the Federal Trade Commission (FTC) logged 84,500 complaints about debt collection practices, many of which involved violations of the law. The following […]
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The California Consumer Privacy Act Goes Into Effect for 2020
When the European Union’s General Data Protection Act (GDPR) passed in 2016, it became startlingly obvious that the United States did not have strict enough laws protecting the privacy rights of consumers. In 2018, California passed the California Consumer Privacy Act (CCPA) with additional amendments passed in 2019. The law, which is commonly called the […]
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Know Your Overtime Rights for 2020
One factor that determines whether an employee is entitled to time-and-a-half overtime rates is the amount they earn per year. Currently, if an employee is salaried and earns more than $455 per week ($23,660 per year), they can be exempt from overtime pay if they have certain job duties. However, if an employee earns less […]
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Hair Discrimination Banned in California
California recently became the first state to ban employment discrimination based on a person’s natural hairstyle under the CROWN Act. Previously, New York City implemented a similar law, though California is now leading the way with statewide legislation. New York State and New Jersey have proposed similar statewide legislation that is pending. The law goes […]
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