Federal and state consumer laws were designed to protect the consumer. We utilize these laws to protect you while your debt is in dispute. Unfortunately, creditors rely on the fact that most Americans are oblivious to the law and take advantage of consumers on a daily basis by assessing late fees, over-the-limit fees, and interest rate increases without merit. We want you to be informed and understand the rights that you possess. We encourage you to learn more about these laws to help you gain financial freedom.