Debunking Consumer Myths
If you’re facing legal issues related to consumer law in Dallas, TX, it’s important to separate fact from fiction. Many people believe common myths about consumer law, which can lead to confusion and costly mistakes. As an experienced consumer attorney, Sharon K. Campbell has seen it all. She debunks the top ten consumer law myths about landlord-tenant disputes, credit reporting, and auto fraud, providing the clarity and guidance you need to protect your rights and interests.
Let me put my experience to work for you!
According to Texas law …
Myth 1 – A contract may be canceled within 3 days.
Contracts are final when made. The only exception to the general rule is when a salesman comes to your home and sells you something, such as aluminum siding or a vacuum. In those cases, where the contract is made in your home, or in a location other than the business location, the law allows you ten days to cancel a contract. There is no such rule in other contracts.
Myth 2 – You can be arrested for failure to pay a debt.
Myth 3 – A financing company or bank must give advance notice of intent to repossess.
Myth 4 – When your car is repossessed, whether voluntarily or involuntarily, you have no further obligation of payment.
Myth 5 – A divorce decree can remove a spouse’s liability from joint liability such as a mortgage, car payment, or credit card account.
Myth 6 – If my car stops working, I may stop making payments.
Myth 7 – If I fail to pay a debt, my wages may be garnished.
Myth 8 – A Notice to Vacate must be delivered by a Constable.
Myth 9 – If my landlord serves me with a Notice to Vacate, I must move out.
Myth 10 – If I buy a used car from a car dealer, which breaks down, I may sue under the lemon law.
Frequently Asked Questions
Credit Card Lawsuits
What does it mean if I am served with a lawsuit?
What is a debt buyer?
If I am sued, what should I do?
Once you have been served with a lawsuit, deadlines begin. You have a certain length of time to file an answer or response with the Court. In Justice Court suits, you have until the Monday following ten days after service, so action must be taken promptly. In county or district courts, the deadline is the Monday following twenty days after service. If you have been sued and want to defend the suit, call me. I have handled many many cases to a good end for my clients.
Can a debt collector call me at work?
Can I stop a debt collector from calling me?
Can a debt collector call third parties and tell them about the debt they are collecting?
Is it legal for a debt collector to try to collect an old debt?
Does a debt collector have to give me verification (validation of the debt)?
What do I do if my identity is stolen?
Contact the creditors involved. Cancel your accounts and request the cards be re-issued with a new account number. Most large banks or credit card companies have fraud departments and have their own forms or affidavits for you to fill out. If someone has changed the address on any of your accounts, report it to the Post Office.
The Federal Trade Commission has a great deal of information about identity theft and also has a good form of affidavit to fill out. Send a copy of the affidavit to all creditors and to each of the credit reporting agencies. Request each agency put a freeze on your credit report.
How can I check my credit report?
www.annualcreditreport.com. You are entitled to one free credit report from each credit reporting agency each year. Also, if you are turned down for credit, you may request a free report from the credit reporting agency used by the creditor.
How do I make a dispute about something wrong on my credit report?
How long can a debt be reported on my credit report?
Car Dealer Fraud
Does the bank have to give notice before repossession?
What is a “breach of the peace”?
Can I get my car back after it is repossessed?
If my car is repossessed, does that extinguish any debt?
What if the bank or finance company does not follow the law in its repossession?
Can a mechanic repossess my car if I fail to pay for repairs?
What is a car dealer required to disclose?
Failure to disclose damages of any dollar amount may be a deceptive trade practices act violation.
A car dealer is required to disclose flood damage, if the car has a salvage or branded title, or if it is a lemon law buyback.
What is Odometer fraud?
Sharon K. Campbell, Attorney at Law
3500 Oak Lawn Ave
Dallas, Texas 75219
Monday - Friday: 9:00 AM - 5:00 PM
Saturday - Sunday: Closed