what attorney general would handle credit card :

Should I hire a lawyer for a credit card claim?

Feb 12, 2021 · LANSING – Michigan Attorney General Dana Nessel is warning consumers of a new scam that's been reported by at least one resident to the Department’s Consumer Protection team.The complainant reportedly received a call from a scammer who insisted that a new Michigan law has passed which dissolves credit card debt as long as the credit card number, …

What are the claims and defenses for credit card disputes?

When it comes to credit card use, an ounce of prevention is worth more than its weight in gold! The Attorney General’s Bureau of Consumer Protection is here to help. If you need more information, visit the website at www.attorneygeneral.gov or call the toll-free helpline at 1 …

Can a bankruptcy attorney handle credit law?

Feb 12, 2021 · LANSING – Michigan Attorney General Dana Nessel is warning consumers of a new scam that's been reported by at least one resident to the Department’s Consumer Protection team.The complainant reportedly received a call from a scammer who insisted that a new Michigan law has passed which dissolves credit card debt as long as the credit card number, …

Do you know of another lawyer who specializes in consumer law?

The Case for Credit Cards Today it’s hard to live without credit. Reasons people use credit cards include: 1. It’s a safety net. Having a credit card helps many of us pay expenses in case of an emergency. 2. It’s flexible. Credit cards may be used almost everywhere in the world, and are often more accepted than a personal check, or even ...

What federal agency handles card complaints?

The Consumer Financial Protection Bureau (CFPB), a federal government agency, collects consumer complaints about credit cards, mortgages, bank accounts, student loans, consumer loans, credit reporting, money transfers, and debt collection.

Where can consumers file complaints?

A dissatisfied consumer can file a complaint directly with the national commission or appeal against decisions of the state commission within a month from the date of the order. The court fee is Rs 5,000 and the demand draft should be in the name of The Registrar, National Consumer Disputes Redressal Commission.

What does the Virginia attorney general do?

Providing legal advice and representation in court for the Governor and the state government in general. Providing legal advice, official opinions, to members of the Virginia General Assembly and local government officials. Defending the state in cases of criminal appeals and suits against the state.

How do I file a consumer complaint with the PA Attorney General?

WHEN SHOULD YOU FILE A COMPLAINT You can download a complaint form from our website at www.attorneygeneral.gov or you can call our toll-free number, 1.800. 441.2555, to have a form mailed to you.

Who of the following Cannot file a complaint?

Answer: d) A person who obtains the goods with no consideration.Apr 14, 2020

Where should the consumer go to get justice?

The national court, which deals with cases involving claims above Rs 1 crore, is known as the National Commission. A customer can also appeal in the state and ultimately in national courts if a case is dismissed in district-level courts.

What power does the Attorney General have?

The NSW Attorney General is the legal advisor to the Government of NSW. The Attorney General is responsible for representing the State and may act on its behalf in all legal proceedings in which the State is a party. preserves civil liberties.

Who can request an Attorney General opinion in Virginia?

A person authorized by statute, such as the governor, a member of the General Assembly, a constitutional officer, or the head of a state agency, can ask the Attorney General for an official opinion on the law. Members of the general public are not authorized to ask for opinions.

How do I file a complaint against a business in Virginia?

Please call the Consumer Protection Hotline at (800) 552-9963 if calling from Virginia, or (804) 786-2042 if calling from the Richmond area or from outside Virginia. Our business hours are 8:30 a.m. to 5:00 p.m., Monday through Friday.

Who protect consumer rights?

Federal consumer protection laws are mainly enforced by the Federal Trade Commission, the Consumer Financial Protection Bureau, the Food and Drug Administration, and the U.S. Department of Justice.

Who is Pennsylvania Attorney General?

Josh Shapiro (Democratic Party)Pennsylvania / Attorney generalJoshua David Shapiro is an American lawyer and politician serving as the attorney general of Pennsylvania. A member of the Democratic Party, he previously served in the Pennsylvania House of Representatives and as chairman of the Montgomery County Board of Commissioners. Wikipedia

How do I file a complaint with the attorney general's office?

If you cannot complete the form online or need additional assistance with where to direct your complaint, please call our OAG Help Line at (800) 771-7755. Filing a false complaint is punishable as a Class A Misdemeanor. We need complaints in writing.

How to apply for a credit card?

Here are some important tips when considering applying for a credit card: 1 Limit the number of credit cards you have. The more credit you have, the more likely you are to spend. Even if you don’t use all your available credit, credit companies treat unused credit as money you can spend, and may deny you a car loan or even a loan for graduate school because of a high credit line. 2 Shop around for the best “terms.” Not all credit cards are the same. One may offer special “gifts” or rebates, but charge a higher rate. Others may require an annual fee or “deposit.” 3 Be sure to understand all the language used in the agreement, and what’s expected of you. Does the company begin charging interest from the day you make a purchase, or is there a “grace period” until the bill is due? 4 Pay your credit card bill in full, on time. Keeping a balance on a credit card, often at the highest interest rate allowable by law, is a very expensive way to get a loan.

Can you fix bad credit?

There are no quick fixes for bad credit. Only paying your bills regularly can get you back on the right road. When it comes to credit card use, an ounce of prevention is worth more than its weight in gold! The Attorney General’s Bureau of Consumer Protection is here to help.

What to do if you don't qualify for a credit card?

If you don’t qualify for a major credit card, and don’t want to ask a co-signer for help, consider a secured credit card. These are major bank credit cards tied to a savings account you hold at the same bank. The money in your savings account is your credit limit. The savings account acts as a security deposit for your credit card. Secured credit cards work and look exactly like regular bank cards. One reminder: make sure your lender makes regular reports to the credit reporting agencies, so your secured credit card will help you build a credit history.

What are the drawbacks of using credit cards?

But there can be drawbacks to using credit. Some credit card users find they’ve spent too much money on too many things. Some can’t pay all their credit card bills—or can’t pay their bills on time. And, those who have trouble paying back their debts may find they can’t borrow money when they want to make a really important purchase—like a house or car. Other disadvantages to using credit cards include:

Why do people use credit?

Credit offers convenience. And, in today’s economy, using consumer credit has become a major element of personal money management. Credit allows you to buy and use items now, but pay for them later. With credit, you can enjoy a purchase while you’re paying for it—or you can make a purchase when you lack ready cash. There is usually a charge to borrow money, however. And, money borrowed is money that must be paid back. You can gain a lot from using credit. You can also lose a lot if you don’t handle credit well.

How many credit obligations does the average person have?

Credit seems to be the American way of life: today, the average consumer has 13 credit obligations—including revolving credit accounts (e.g., credit cards and home equity lines of credit) and installment loans (e.g., student, mortgage, car, and personal loans). Credit can be an excellent tool when it’s used well. But unfortunately, the road to easy credit contains some potholes.

Where is the bankruptcy code located?

There is no such thing as state bankruptcy law. A bankruptcy case is filed within the district containing the home address of the debtor. Minnesota has one bankruptcy district with divisions in Minneapolis, St. Paul, Fergus Falls, and Duluth.

Why are credit laws important?

Credit laws help reduce the problems and confusion people have when they use credit. Together, a number of laws set a standard for how you should be treated in your financial dealings. For example, you cannot be turned down for a credit card because you are a single woman; your credit won’t disappear just because you’ve turned 65; you have protections from abusive debt collection practices; your risk is limited if your credit card is lost or stolen; and much more. It is important to know your rights, so that you can use them to your advantage.

What is a credit report?

Simply put, your credit report is a compilation of your credit history data gathered by credit reporting agencies about you. The credit reporting agencies sell this information to companies and organizations with a legitimate business need to know how you manage credit.