Are you worried about your debt collectors calling your family? Have you been sent threatening letters from your credit agency? Were you denied a line of credit because a reporting agency refuses to change your credit score? Our articles provide up-to-date information on all aspects of consumer debt. Browse through our library to find out more about your consumer law issue.
- Page 1
-
Why Your Credit Report Says You’re Deceased — And No One Fixes ItApplications can be automatically denied because the system assumes no further review is needed. Existing accounts may be restricted or closed. Even basic identity verification can break down because the underlying data says you are no longer alive.
-
How It Happens: Replacement Debit Card InterceptionHow newly issued debit cards can be intercepted in the mail, activated without the customer’s knowledge, and used for ATM withdrawals or purchases.
-
How It Happens: SIM Swap & Account TakeoverA SIM swap occurs when a fraudster convinces a mobile carrier to transfer a victim’s phone number to a SIM card under the fraudster’s control.
-
When Your Credit Report Is Obviously Wrong — And No One Fixes ItAnd when you try to fix it, nothing changes. Sometimes it even comes back as “verified,” which only makes it worse.
-
How It Happens: Phishing, Smishing, and Vishing — When the “Bank” Calls YouIn phishing, smishing, and vishing schemes, criminals impersonate banks or fraud departments to trick victims into handing over just enough information for someone else to take control.
-
How It Happens: Fake Mobile Banking Apps — The “Evil Twin” ScamIn this scheme, criminals create fake or compromised mobile banking apps that look real, behave normally, and quietly hand control of your bank account to someone else.
-
How It Happens: Card TrappingIn a card-trapping scheme — commonly called the Lebanese Loop — criminals modify an ATM so it captures your card after you insert it. The goal is simple: keep your card just long enough for someone else to use it.
-
How It Happens: ATM Skimming 2.0 — The Hardware-Store HackModern ATM skimming is precise, fast, and often invisible. Victims don’t authorize fraudulent transfers. They don’t press the wrong button. They don’t “send” money anywhere. They use an ATM that has been modified to steal their credentials, and the real theft happens later, somewhere else.
-
How It Happens: Bank Hacking and Unauthorized TransfersHow It Happens is a growing collection of in-depth articles explaining, in plain English, the real-world methods criminals use to steal money from bank accounts — and why victims are often blamed for actions they never took.
-
Control How Debt Collectors Contact You With This Simple Letter