Key Consumer Protections
- Fair Debt Collection Act - Limits collector behavior
- Fair Credit Reporting Act - Dispute errors on credit report
- Lemon Laws - Defective vehicle protections
- Cooling-Off Rule - 3 days to cancel door-to-door sales
- Warranty Rights - Express and implied warranties
How to Dispute
- Document everything in writing
- Contact company customer service
- Escalate to management
- File complaint (BBB, FTC, state AG)
- Chargeback through credit card
- Small claims court (last resort)