How to Stop Debt Collector Calls in New Jersey
New Jersey consumers can stop most debt collector calls with a written cease-contact request under the FDCPA, backed by federal call-frequency limits and the right to sue.
Consumer Issues
FDCPA, FCRA disputes, lemon laws, contractor complaints, and consumer protection procedures.
How to File a Complaint Against a Contractor in New Jersey
A dispute with a New Jersey contractor moves along two tracks: a regulatory complaint to the Division of Consumer Affairs and a lawsuit to recover money. Here is how each works and what the Consumer Fraud Act adds.
Filing a Complaint With the New Jersey Attorney General
A guide to filing a complaint with the New Jersey Attorney General: which division handles consumer, civil rights, fraud, and licensing complaints, the deadlines that apply, and what the office does after a report arrives.
Washington Consumer Protection Act: Unfair and Deceptive Practices
How Washington’s Consumer Protection Act (RCW 19.86) works: the prohibition on unfair or deceptive acts, the five-element Hangman Ridge test, the damages and attorney fees a private plaintiff can recover, and the four-year deadline to sue.
New Jersey Mechanic’s Lien Rules and Filing Deadlines
What New Jersey calls a construction lien covers unpaid contractors, subcontractors, and suppliers. Here are the filing deadlines, the extra residential steps, and how a lien is served and enforced.
Wage Garnishment in New Jersey: Limits and How to Stop It
New Jersey caps most wage garnishment at 10% of pay and only after a court judgment. Here are the execution limits, exempt income, and how to object.
Filing a Washington Attorney General Complaint: What to Expect
The Washington Attorney General’s Office runs a free, informal complaint process for consumers. Here is what it can do, how to file, and your options if a business will not cooperate.
New Jersey Consumer Fraud Act: Rights and Remedies
A plain-language guide to New Jersey consumer protection: how the Consumer Fraud Act works, the debt collection rules under state and federal law, what consumers can recover, and where disputes are filed.
Washington Consumer Protection: Laws, Rights, and Remedies
An orientation to consumer protection in Washington: how the Consumer Protection Act works, the damages it allows, the rules for debt collectors and other common problems, and the two ways to enforce a consumer right.
North Carolina Statute of Limitations on Debt: The 3-Year Rule
How long a debt collector has to sue in North Carolina: the three-year rule under G.S. 1-52, the six- and ten-year exceptions, what restarts the clock, and how time-barred debt works.
Does North Carolina’s Lemon Law Cover Used Cars? Your Real Options
North Carolina’s lemon law applies only to new vehicles. Here are the federal and state protections used-car buyers actually have, and where an “as is” sale still leaves room to act.
How to File a Complaint With the North Carolina Attorney General
A step-by-step guide to filing a consumer complaint with the North Carolina Department of Justice, including which form to choose, what to attach, and what happens after the office reviews your complaint.