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The goal of this Act, approved in September 1977, was to eliminate abusive debt collection practices by debt collectors and to promote consistent state action to protect consumers against debt collection abuses and invasions of individual privacy.The Fair Debt Collection Practices Act laid down specific guidelines pertaining to these processes:Acquisition Of InformationAny debt collector trying to obtain location information of a customer would identify himself and his purpose properly and when the need arises also disclose his employer...

Ever wonder if banks are required to tell customers when their systems are hacked? You might be shocked to learn they're not.The sole exception to this standard has been database hacks that effect California residents.Companies doing business in California must provide such notice under the California Security Breach Information Act.The situation is changing quickly on the national level.Regulations have been issued by federal fund agencies that currently force banks to tell customers when their personal data has been subjected to unauthorized third parties...

Every mediated negotiation oscillates between certainty and uncertainty.Parties seek certainty although very often they're besieged by doubts.People entering discussions encounter jealousy, which is just another word for fear, though fear expressed in a very low level of intensity.The reason they've come to a mediator is because they didn't feel able to reach a negotiated result by themselves.Hence, a mediated discussion is already, almost by definition, a discussion that has either gone wrong or hasn't started or that has a doubtful prognosis...

Are you interested in if your business colleague led to the presidential campaign? Wondering who owns the abandoned lot on the opposite side of town? Or on a more character note, are you attempting to trace your family tree and can not recall Great-Aunt Susie's third husband?You may find your answers through an online public records search.Due diligence applies, as the information at some sites can be obsolete or inaccurate...

A very common practice in the USA is for an American citizen (or legal permanent resident) to have a partner who's a foreign national.At these times, the taxpayer most often desires their partner shares in the very same opportunities and privileges that they have as an American citizen.The procedure for securing a green card to your partner is a lengthy and complicated process, and can take anywhere from a few months to many years...