Personal Finance, Consumer Law

Personal Finance refers to financial management skills that are necessary for individual or family households to ensure that the properly save, spend and invest money while planning for future events and taking into account risks. Consumer Protection Law ensures that consumers have the benefits of having reasonable information and fair trade competition before they make a purchase in the marketplace. These legal rights are designed to prevent fraud by vendors and also to provide protection for those who are less capable of protecting themselves, such as the elderly. The law covers the purchase and sale of products, services and related matters such as credit and loans. Popular federal law includes the Consumer Credit Protection Act (CCPA) (Truth in Lending Act), the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Fair Credit Billing Act was added to the CCPA in 1975 to deal with billing practices in credit accounts. The Magnuson-Moss Act covers requirements for product warranties. Personal finance concerns management of individual or family finances. it includes making a budget, saving money and planning spending while taking into account financial risk and future events that may occur. This includes incurring debt such as student loans, medical loans, credit card debt, credit ratings and other issues concerning money management and refinancing.

  1. Consumer Protection Assignment Clauses in Health Club, Gym and Martial Arts Membership Contracts

    It is very important to read and understand contract clauses before signing a health club, gym or martial arts school membership agreement. Learn how to identify and appreciate the nature of what...
  2. Buying & Leasing Best Practices For Buying a Used Car, Truck or Motor Vehicle

    A comprehensive FAQ any used car buyer will want to read before making a purchase. A checklist of steps from research to closing a deal on a used car.
  3. Credit Repair Identifying Credit Repair Scams and Fixing Your Credit

    How to identify credit repair scams, what to do if you've been a victim, steps you can take to fix your credit, how to obtain a free credit report and information to get all three reports.
  4. Savings, Investments, Money Escheatment: Unclaimed Property & How to Find Lost Money

    Can you keep money you have found? How can you find property, stocks or other assets you forgot about ? Information on how to claim them and where to search for your assets.
  5. Consumer Protection Consumer Fraud Types, Filing Reports & Complaints

    Information about consumer fraud, the different types, filing complaints with the FTC, assistance with Internet fraud, bank fraud, mail fraud and government resources.