FEDERAL FAIR CREDIT REPORTING ACT
The Fair Credit Reporting Act (FCRA) was enacted to protect people against abuse in the credit reporting industry. The FCRA achieves this goal through regulation of credit reporting agencies, users of credit reports, and furnishers of consumer information to credit reporting agencies. The FCRA provides consumers with civil remedies for those who willfully or negligently comply with it.
FEDERAL FAIR DEBT COLLECTION PRACTICES ACT AND MICHIGAN REGULATION OF COLLECTION PRACTICES ACT
The Fair Debt Collection Practices Act (FDCPA) and Michigan Regulation of Collection Practices Act were enacted to protect people against abusive, deceptive, and unfair debt collection practices.
MICHIGAN MOTOR VEHICLE SERVICE AND REPAIR ACT
The Michigan Motor Vehicle Service and Repair Act was enacted to protect people from unfair and deceptive practices relating to motor vehicle repairs. When a motor vehicle service and repair facility violates this law, the consumer can avoid paying for mechanic’s work and can seek monetary damages.
FEDERAL TELEPHONE CONSUMER PROTECTION ACT
The Telephone Consumer Protective Act (TCPA) was enacted to protect people from unwanted telemarketing and junk faxes. Telemarketers and people who send junk faxes can be sued for money damages by people who are victimized by them.
FRAUD AND BREACH OF CONTRACT
In addition to suing a company for engaging in a violation of federal or state statutory law, a consumer can oftentimes also seek relief through common law claims for fraud or breach of contract.
If you are being or have been victimized by a business, debt collector, or telemarketer, you should save any and all documentary evidence concerning the incident, keep a journal of important incidents (i.e., who, what, where, how, why, when), and timely seek legal representation.