Why Is Credit Monitoring So Important? By: Nathan Randall | - Our research has shown that according to a 2009 Federal Trade Commission (FTC) report, identity theft has been the top consumer complaint for a solid nine years in a row. Arizona is the state with the highest per capita rate of reported identity theft complaints, followed by California and Florida. Some reports estimate that identity theft happens every 3.5 seconds and impacts about 10 million consumers. These figures are from the year 2008, who knows how many more additional consumers have bee ... Tags:Credit Monitoring, Crime, FTC
Don't Let Sneaky Payday Loan Tactics Trip You Up By: Nathan Randall | - There are plenty of safe and secure online payday loan services which are available these days for consumers who need quick cash. These online operations are typically loan matching services that take your application details and then match you up to a lender for a quick cash advance, for example, to help you get through a rough patch. There are, however, certain things that applicants should pay careful attention to when going through the application process, especially once you get to the end ... Tags:FTC, Payday Loans
Dietary Supplement Regulatory Compliance In The United States: Labeling, Product Claims & Updates Fr By: Compliance2go | - This 90 minute live, interactive webinar will review the dietary supplement regulations and discuss how to verify that your products are compliant, while citing differences with food and drug regulations. We will also cover what qualifies a material as a dietary ingredient, considerations for manufacturers and distributors, requirements for compliant labelling and acceptable marketing claims. An update on FDAs draft guidance for New Dietary Ingredients and an overview of the Dietary Supplem ... Tags:FDA &FTC, Health and Education Act in 1994, latest regulatio
Information On Online Shopping And Consumer Rights By: treeves | - Today, online shopping has come of age and consumers are attracted to online shopping because of its high level of convenience and the broader selection, competitive pricing, and greater access to information. The online market is borderless, making shopping interstate or overseas as easy as clicking a mouse. Net-savvy customers are going online like never before to buy goods or service, directly from a seller over the Internet without an intermediary service. Earlier, when you shopped for go ... Tags:Verizon FiOS Internet, Online Shopping, FTC
Ftc Guides Intended To Protect Consumers By: Fleury Sommers | - What does it mean when a pearl is described as cultured or as a biwa? What exactly is handmade jewelry?
Jewelry buyers are rightly interested in the answers to these questions and others. They are descriptions of products they may be considering purchasing.
What consumers may not know is that these descriptions are carefully defined under the Federal Trade Commissions Guides for the Jewelry, Precious Metals and Pewter Industries. And, they may not k ... Tags:buying jewelry, purchasing jewelry, FTC, FTC Guides
Ftc Halts Wage Garnishment Tactic Of Payday Lender By: Nathan Randall | - The Federal Trade Commission (FTC) filed an action in U.S. district court in September against a payday lender that allegedly attempted to use wage garnishment as a collection tactic against its customers. This illegal activity has been halted by the lender in an attempt to avoid trial.
The FTC has an ongoing effort to curtail illegal behavior practiced by payday lenders. The FTC complaint is against Payday Financial, LLC, doing business as Lakota Cash and Big Sky Cash. These compan ... Tags:1800 Day Loans, FTC Halts Wage, Payday Lender
The New Ftc Rules For Debt Settlement Companies By: Messi | - Over the past couple of years, due to the economic downturn people are going through a financial crisis, and thus are falling into overwhelming debts. As a result, they are approaching the debt settlement companies in order to settle their debts. In this situation, the debt settlement companies are booming high. The advertisements of the debt settlement companies that claim to settle the debts at a minimum fee or no fee are extending across the country. These companies also promise to settle th ... Tags:FTC rules, settle debts
Know About The Ftc Regulations On Settling Credit Card Debt By: Evan Parker | - Millions of cardholders in the US find themselves crushed under the over burden of their debts. Irresponsible use of cards, urgent medical expenses and job loss are the real reasons behind their plight. Regardless of how you get into debt, it is crucial to know the way to expunge your existing debts.
Few guidelines have been enforced by the Federal Trade Commission (FTC) before settling your credit card debt. There is no guarantee that the settlement companies can settle your debt a ... Tags:Settlement, credit card, FTC, Bankruptcy
Ftc Guidelines For Credit Scams By: Evan Parker | - Debt settlement business is rampant in America. Equally rampant is settlement scam by fraudsters. Debt stricken people enroll in settlement program with the hope that they will get debt relief following their programs. But, many times we hear complain from consumers that after availing debt settlement programs, they have actually increased their debt burden. So, FTC has instituted some set of rules to check the unethical practices of Settlement Company that are out to fleece the innocent debtors ... Tags:credit scams, FTC, debt relief
Talk to any of the top leaders in Fortune Hi-Tech Marketing nowadays and they will tell you that Joseph Isaacs is the key to their recent business failures, representative departures, product losses and legal woes. These stories have been fabricated by Paul Orberson and passed down to many of the leaders including Todd Rowland, Ruel Morton and Woodson G ... Tags:fhtm, Judy Hammerschmidt, Paul Orberson, Fortune Hi-Tech Marketing, FTC, DOJ, NC DOJ, Scammer, Fraud, business fraud, MLM
Debt Collection Harassment Takes The Lead In Consumer Complaints Again In 2010 By: johnkenvin | - Every year debt collection related complaints at the Federal Trade Commission (FTC) are on an increase. The Fair Debt Collection Practices Act (FDCPA) prohibits deceptive, unfair, and abusive practices by third-party collectors. The FDCPA requires the FTC to report on the level of industry compliance with the law. Although the FTC took significant steps in 2010 to curtail illegal debt collection practices. The largest complaints from consumers in 2010 have been against debt collectors.
Facing Debt Collector Harassment? Complain To The Ftc By: Sergei Lemberg | - If you've been the victim of illegal debt collection practices, it's important to contact a fair debt attorney. Equally important, though, is to file a complaint with the Federal Trade Commission, either by calling its toll-free hotline or through its online complaint form. According to the Fair Debt Collection Practices Act, the Federal Trade Commission is mandated to report to Congress each year about the agency's efforts to protect consumers from illegal debt collection practices. The FTC's r ... Tags:Debt collector, ftc, fair debt attorney, debt collection
Ftc Franchise Rule & Ftc Compliance By: Charles Internicola | - When selling a franchise in New York, it is important for you to be aware of the FTC franchise rule. This is the Federal Trade Commission Rule on Franchising and Business Opportunity Ventures, which is otherwise known as the Original Rule. This is one of the most important rules you will need to know before starting a franchise in New York.
The Original Rule
The purpose of the FTC franchise rule is to fight fraud in franchise and business opportunities.
Debt Settlement More Viable Than Ever By: DRAdvocates | - The debt settlement industry has earned a negative reputation for it's questionable practices over the past decade. As a result, many people began to look elsewhere for debt relief solutions. Fortunately, the Federal Trade Commission's introduction of new regulations has completely reformed the industry, again making debt settlement a viable option for consumers.
When the economy entered the recession, many people found themselves overwhelmed with debt. This created a huge demand f ... Tags:debt settlement, fraud, debt relief, FTC, regulation
The Federal Trade Commission's recent settlement with Reverb Communications is the FTC's first case targeting deceptive advertising on the Internet since the FTC Guides were announced late in 2009.
If you use online endorsements or testimonials from others, you should review your internal marketing policies and your FTC website forms to avoid substantial liability for deceptive advertising.
The use of Flash cookies capable of re-installing browser tracking cookies - that users have previously deleted - has triggered the filing of multiple privacy lawsuits against some of the Web's largest media companies. At issue is a user's fundamental right to control how their tracking information is harvested and shared.
What Are Website Legal Forms For? By: Dan Counts | - One takes an extreme risk by running an online business without legal forms. Usually prior to starting any kind of business, you must get the proper legal forms to protect you and your business. Similarly for beginning a business on the web, you need to get the legal forms and documents for your website. With the right legal forms, your business would be protected from lawsuits and offers a highly secure business. You would be left with possible financial and criminal charges, if you have no leg ... Tags:online business legal forms, website legal forms, legal forms software, ftc, ftc rules, website legal forms generator, legal software
Debt Collectors Should Send Consumer Notice By: johnkenvin | - The Fair Debt Collection Practices Act (FDCPA) enforced by the Federal Trade Commission (FTC) and private attorneys, allows to check the abusive conduct by debt collectors. This was also in the wake of the number of bankruptcies increasing due to these practices. The FDCPA provides guidelines for debt collectors collecting legitimate debts and provides protections and remedies for debtors.
Lies By Debt Collectors "€" Violations Of The Fdcpa By: johnkenvin | - One of the biggest violations debt collectors commit during their aggressive debt collections is to lie over the phone. There are many lies that the debt collectors speak over the phone. They do not disclose their names while trying to collect from you. Sometimes they give you a false identities.
Under the Fair Debt Collection Practices Act (FDCPA), a debt collector must identify his name and the collection agency he is working for. The FDCPA is a federal act enforced by the Federal ... Tags:fdcpa, ftc, fair debt collection practices act
Wage Garnishment By: johnkenvin | - Wage garnishment is upholding a part of your income by your employer to repay your debt. Wages can be garnished by your employer only when there is a court order to garnish them for repayment of your debt.
Wage garnishment is a consequence of the debtor losing a debt case. This happens when you are unable to repay a debt, the creditor sues you and wins the case. The court then advises your employer to garnish the debt payments from your wages.
Online start-ups are faced with the daunting task of selecting a domain name that will withstand legal challenges.
There's a general belief among online start-ups that a trademark owner will always trump a domain name registrant with the same or confusingly similar domain name. That's not always the result... as two recent 2010 UDRP decisions point out.
On May 19, 2010, the U.S. Senate Commerce Committee released proposed legislation - the "Restore Online Shoppers' Confidence Act" - aimed at regulating sites that transmit or receive consumer data for post-transaction sales and sites that sell products or services with recurring charges.
Ftc Annual Report Details Efforts To Protect Consumers From Fraud By: Krystle Chelsea Chan | - It's not always easy for consumers and businesses to take time out of their day to take action against fraudulent activities that may put their credit report or identity at risk.
That's where state and federal agencies - like the Federal Trade Commission - come in. The FTC outlined its efforts in a 2010 Annual Report released by the commission's chairman Jon Leibowitz at a meeting with the American Bar Association's Section of Antitrust Law Spring Meeting.
It didn't take the Federal Trade Commission (FTC) long to show Internet advertisers and blogger-endorsers that they mean business regarding the FTC Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR, Part 255) that went into effect in December, 2009.
Why The Credit Repair Industry Full Of Scams By: Japhet Cantos | - For many consumers the term credit repair is identifiable with the term rip-off. Its likely that a large majority of those that assume it to be a scam have never even tried credit repair or have even restored their credit at all.
Thats not to say that their opinions are unfounded. The fact of the matter is that there are often people planning to con you out of your hard earned money. The same is true for pretty much any financial service. Banks, insurance brokers, investors, have ... Tags:credit repair, scams, FTC, credit repair laws
Employer Beware: You May Be Responsible For Your Employees"€™ Endorsements And Testimonials By: Melody Kulesza | - The new rules, which took effect on December 1, 2009, require that employees, who wish to endorse the products or services of their employer, must openly disclose the employment relationship within the text of their testimonial(s).The FTC hopes that requiring disclosure will discourage the posting of false and/or unfairly biased testimonials. Thus, if an employee publicizes an endorsement without proper disclosure, their employer could face liability under Section 5 of the FTC Act, which p ... Tags:FTC, rules, employers, exposure, policies, pepper law group, lawy
Contacted By The Consumer Protection Agency (ftc)? Here Is What To Do By: Art Saborio | - 1) Do you ignore the communication from the federal trade commision? 2) Do you run out and find an attorney? 3) Do you fold up and shutdown all website activity? Of course the answer to these questions are NO.
These may be a few things that come to mind, yet it is best to take inventory and assess the situation before proceeding. Simple steps can first be taken to ensure that you are not going overboard with your actions.
Will The New Ftc Rules Destroy Affiliate Marketing? By: Harry Connor Jr | - I hope not! As a publisher of affiliate products and services I am astounded, since their inception, at the effects the new FTC rules have caused.
The rules restrict claims affiliate marketers are able to make, particularly those regarding monetary claims and testimonials.
How Do The New Ftc Guidelines Affect You Online? By: Aerion Miles | - So you have probably heard about the dreaded FTC guidelines and how they have come to end the marketing world's chances, am I right? Well I think we need to look at what they are actually saying and not saying, and see if we can make any sense out of the FTC guidelines.
To start with we have the issue of testimonials on products.
Under the FTC guidelines you cannot just receive a testimonial and put it on your website. What you need to do if you want a testimonial on your ... Tags:ftc, ftc guidelines, ftc laws, how do ftc guidelins affect you, ftc disclaimer
Effective on December 1, 2009, online affiliates, resellers, bloggers, podcasters, video producers, and other producers of consumer-generated online content began to be regulated in their online endorsements and testimonials by Guides issued by the Federal Trade Commission (FTC), and failure to comply can result in a hefty $11,000 fine imposed by the FTC.
Use New Ftc Guidelines To Increase Your Sales By: Barry A. Densa | - If you've read the FTC's new 81-page Guides Concerning the Use of
Endorsements and Testimonials in Advertising, you might think the FTC is a really nice bunch of guys trying to do the right thing by consumerswhich, for the most part, is true.
And yet, I just dont think they give most consumers enough credit.
Internet Marketing - Why 2010 Will Be A White Knuckle Ride For Web Marketers By: Titus Hoskins | - Next year may just prove to be one of the most challenging times for pursuing online or Internet marketing on the web. It may just be a watershed moment for many marketers struggling to keep abreast of all the different factors which have come into play in recent months. Most of these changes will stem from two main sources for potential upheaval: the first being the New FTC (Federal Trade Commission) Guidelines regarding Testimonials and Endorsements and the second being "ALL" the recent change ... Tags:internet marketing, web marketing, marketing, ftc, google caffeine, google marketing, keyword marketing, sem
How To Avoid Ftc Fines For Automated Voice Broadcasting By: Carl Davidson | - In September 2009 new FTC (federal Trade Commission) rules go into effect to prevent the use of automated voice prospecting calls to consumers. Does this mean the end of the most efficient way to prospect and create leads? Not at all. There are three ways around these new regulations that allow you to continue to sell and earn using voice broadcasting.
Website Compliance - How Important Are The New Ftc Laws? By: Vetio Vee | - Long ago the internet was a vast unknown and uncharted territory. Website compliance was still a thing of the future. It was like the old mountaineers of the past making their claim in a new land. But just like any new civilization, that vast land become corrupted and need someone to infuse rules and laws. Along comes the FTC to put a new face on the internet and to try and purge the internet from those marketers that are less than honest.
How Does Ftc Handle Identity Theft Cases? By: John Goldman | - FTC refers to the Federal Trade Commission which is a government organisation that protects the consumer rights. Such government organizations for consumer protection are all over the world and in each country, only names are different. Some call them as FTC; others refer to them as Consumer Courts.
These institutions are part of government but are just section of government which works for consumer rights. Identity thefts are been reported to FTC also. Many people do such things o ... Tags:information about federal identity theft, ftc &identity theft
Ftc Ruling: Can It Be The End Of Online Marketing? By: Tellman Knudson | - That's what people thought about email marketing in 2003 when the CAN SPAM act was passed. But it wasn't. And though the FTC put some brakes on for online marketing this week, it doesn't mean the end to marketing online, either.
The FTC is cracking down on paid endorsements, such as blogging. So if you're focusing your lead generation efforts on blogging, but are being PAID to blog, then, you have an issue to correct.
How To Avoid Mortgage Fraud By: Ki Gray | - News articles throughout the U.S. headline stories about indictments for mortgage fraud. Although you may think you could never be scammed, you should think again.
Above-average, intelligent, middle-class professionals have been duped as well as the average Joe. Almost no one is beyond the long arm of a mortgage scammer's reach. You can, however, become better educated in the antics of fraudsters in order to thwart the most common scams used.
How To Offer Proof Without Testimonials By: Anna Johnson | - Given recent indications that the United States Federal Trade Commission intends to clamp down on Internet marketers and others using 'atypical' testimonials in their marketing, it may be reassuring to know that testimonials are not always required in your marketing materials. In fact, other forms of 'proof' can sometimes be more effective.
Discover Six Ways To Avoid A Bad Credit Loan Scam By: Michael Redbourn | - The desperation, misery, and rising unemployment caused by the current financial crisis, have spawned a whole new growth industry.
Bad Credit Loan Scams
It's a particularly horrible phenomenon, because the people that operate these scams are preying on those that most need help, and they don't care if they put the last nail, in a family's financial coffin.
You've Been Spammed By: Jeff Mulligan | - Dealing with spam takes up a huge amount of time; time that could be better spent doing other things...any other thing. We all have some sort of ritual for removing spam from our computers, deleting it, junking it, blacklisting it or any combination of these. But many of us don't take the extra step, a step that can actually help to rid the world of spam. The key to permanently destroying spam is to report it.
Multi-level Marketing Education Increases Wealth By: T. Detty | - Multi-level marketing is more like a franchise arrangement where the sale of the product depends on the combined effort of each franchise and regional manager. There are multiple levels of people receiving commission. Usually there are seven or more levels. Multilevel marketing is basically a combination of franchise and direct marketing.
Marketing Through Blogs Presents New Legal Risks By: Robert Masud | - In recent times blogs have taken on new meaning on the Internet and World Wide Web. Once considered nothing more than rather offbeat diaries, blogs have become major marketing tools at the present point in time. In fact, today millions of consumers from all walks of life and from all over the globe are turning to blogs to get information and advice about different products and services.
As blogs have become more potent marketing and promotional forces, various legal issues have ... Tags:blog, blogging, FTC, marketing
Ftc Takes Aim At Diploma Mill Scammers By: Matthew Paolini | - The Federal Trade Commission, America's watchdog consumer agency, has issued yet another warning about an education-related scam. Entitled "Diploma Mills: Degrees of Deception", the FTC memo takes issue with diploma mills, a form of online deception practiced by companies all too eager to exploit the country's fascination with online learning and online degrees. The companies behind these diploma mills usually approach their prey using an email that promises respondents a degree based on their ... Tags:diploma mill, online degree, Federal Trade Commission, FTC
Some Scholarship Offers May Be Real, But Scammers Abound By: Matthew Paolini | - The Federal Trade Commission has posted a timely reminder at www.ftc.gov about an increase in scholarship and financial aid scams aimed at high school seniors and their parents. As high school graduation gets closer, students and their parents shift into high gear as they search for the money to cover the high cost of college tuition and housing. Confronted by the skyrocketing costs, they sometimes become easy victims of scholarship scammers.
Bloggers Need To Beware Of Violating Ftc Deceptive Practice Standards When Making Endorsements By: Robert Masud | - The Federal Trade Commission ("the Commission or FTC") has handed down an advisory opinion that may have dire consequences for companies that employ individuals who are involved in blogging and promote those companies products or services while blogging. According to the Commission, this may hold true even if these employees are undertaking this blogging on their personal time and even if the company management has no idea of what may be going on. The Commission advises that such a blogger mus ... Tags:FTC, Federal Trade Commission, blogger, blogging
Multi Level Marketing Pay By: Leonard Bartholomew | - To understand how multi level marketing works and how you are compensated let's look at the various options for earning a multi level marketing living.
There are various compensation packages with multi level marketing firms. Here are some of the most common.
Your Privacy Rights Under Fact By: Samantha Hamilton | - One of the provisions of the original Fair Credit Reporting Act was that those requesting credit reports on consumers have a permissible purpose for requesting them. It also allowed consumers thats you to put certain limits on how their reports are used. FACT the Fair and Accurate Credit Transactions Act solidifies consumers right to privacy of their credit reports.
