Latest posts
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Online Income Offers: How to Check Earnings Claims and Refund Terms
The short answer: Treat an online income offer as a business proposal, not an earnings promise. List the work, tools, traffic costs, upsells, refund steps…
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Push Button System: Refund Terms Earnings Claims and Buyer Checks
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Credit Report Errors: An Official Dispute Record Checklist
By LegalHelpOnline.org Legal Research & Editorial Team How to Dispute a Credit Report Error If you find a mistake on your credit report, you generally need to dispute it twice: once with the credit reporting company (Equifax, Experian, or TransUnion) and once with the furnisher, the business that sent the incorrect information. Keeping a clear,…
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Unfamiliar Debt Collector Contacted You? How to Verify It’s Real Before You Respond
By LegalHelpOnline.org Legal Research & Editorial Team If someone calls, texts, or mails you about a debt you don’t recognize, stop before you say anything about money. Legitimate debt collectors are required to give you specific written information about the debt. Scammers rely on you skipping that step. This guide walks through exactly what to…
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Debt Collection Letters: A Consumer Verification Checklist
By LegalHelpOnline.org Legal Research & Editorial Team What To Do Before You Respond to a Debt Collection Letter Before you pay, dispute, or even discuss a debt collection letter, verify that the collector has given you the required legal information and confirm the debt is actually yours. Federal law requires a collector to send you…
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Identity Theft Recovery: Building an Official Action Record
By LegalHelpOnline.org Legal Research & Editorial Team A scenario worth planning for Maria checks her bank app on a Tuesday and finds two accounts she never opened. She spends the next hour on the phone with her bank, a credit bureau, and the FTC’s identity theft site. By Thursday, a collector calls about one of…
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Where to File a Civil Rights Complaint: Which Agency Handles Which Kind of Discrimination
By LegalHelpOnline.org Legal Research & Editorial Team Where to File a Civil Rights Complaint, by Category Where you file a discrimination complaint depends on what happened and where. Job-related discrimination goes to the Equal Employment Opportunity Commission (EEOC), housing discrimination goes to the Department of Housing and Urban Development (HUD), discrimination at a school goes…
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Lemon Law Coverage: What Is Covered, the Process and Why State Rules Differ
By LegalHelpOnline.org Legal Research & Editorial Team What Lemon Laws Cover Lemon laws are state laws that protect buyers of new vehicles with serious, repeated defects the manufacturer cannot fix after a reasonable number of tries. If your car has a covered problem that keeps coming back despite proper repair attempts, you may be entitled…
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How Much of Your Paycheck Can Legally Be Garnished
By LegalHelpOnline.org Legal Research & Editorial Team How Much of Your Paycheck Can Legally Be Garnished Federal law caps most wage garnishments at 25% of your disposable earnings, or the amount your weekly disposable earnings go over $217.50, whichever number is smaller. Garnishments for child support, alimony, unpaid taxes, and federal student loans follow different,…
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What Are Your Rights on Medical Debt?
By LegalHelpOnline.org Legal Research & Editorial Team What Are Your Rights on Medical Debt? You have specific federal rights when you get a medical bill: protection from certain surprise out-of-network charges under the No Surprises Act, the right to ask a nonprofit hospital about its financial assistance (charity care) program before you’re sent to collections,…