Know Your Consumer Rights

Federal laws exist to protect you from unfair business practices. Learn about your rights and the protections available to you.

As a consumer, you are protected by numerous federal laws designed to ensure fair treatment in financial matters. These laws give you the right to dispute inaccurate information, stop harassment, and recover damages when companies violate your rights. Unfortunately, many consumers are unaware of these protections and suffer needlessly at the hands of aggressive debt collectors, credit bureaus that refuse to fix errors, or companies that make unauthorized charges.

At Paramount Law, we specialize in enforcing these consumer protection laws. Since 2010, we have helped thousands of consumers in Oklahoma and Louisiana fight back against illegal practices. Many of these cases are handled on a contingency fee basis, meaning you pay nothing unless we recover compensation for you. Below, you’ll find information about each of our practice areas and examples of common violations.

Our Practice Areas

Click on any area to learn more about your rights and how we can help

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Debt Lawsuit Defense

Being sued over a debt can be overwhelming, but you have rights. Many debt lawsuits contain errors or are filed by companies that lack proper documentation to prove you owe the debt.

Why these lawsuits are often weak:

  • Lack of documentation — Debt buyers often can’t produce the original signed contract
  • Broken chain of title — The company suing can’t prove they legally own the debt
  • Statute of limitations expired — In Oklahoma, most debts have a 5-year limit; in Louisiana, 3 years
  • Wrong amount claimed — Fees, interest, or principal are often inflated or calculated incorrectly
  • Wrong person sued — Identity mix-ups or debts that were never yours
  • Improper service — You may not have been legally notified of the lawsuit

Learn More →

🛡️

Debt Collector Harassment

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive, unfair, and deceptive debt collection practices. Violations can result in damages up to $1,000 plus attorney’s fees.

Examples of violations:

  • Calling before 8am or after 9pm
  • Threatening arrest, jail, or legal action they can’t take
  • Using profanity or abusive language
  • Calling your workplace after being told to stop
  • Discussing your debt with family, friends, or neighbors
  • Falsely claiming to be attorneys or government officials

Learn More →

📋

Credit Report Errors

Under the Fair Credit Reporting Act (FCRA), credit bureaus must investigate disputes and correct inaccurate information. Errors on your credit report can cost you jobs, housing, and higher interest rates.

Examples of violations:

  • Accounts listed that don’t belong to you
  • Incorrect payment history or account balances
  • Outdated negative information (over 7 years old)
  • Mixed files with someone who has a similar name
  • Accounts showing as open when they were closed
  • Failure to update after you’ve disputed errors

Learn More →

💳

Unauthorized Credit Card Charges

The Fair Credit Billing Act (FCBA) protects you from billing errors and unauthorized charges. Credit card companies must investigate disputes within specific timeframes or face liability.

Examples of violations:

  • Charges you didn’t authorize or make
  • Billing for goods or services not received
  • Mathematical errors on your statement
  • Failure to credit returns or payments
  • Charges for the wrong amount
  • Not receiving your billing statement

Learn More →

🏦

Unauthorized Bank Transfers

The Electronic Fund Transfer Act (EFTA) protects consumers from unauthorized electronic withdrawals. Banks must investigate and resolve disputes, and you may be entitled to recover stolen funds.

Examples of violations:

  • Unauthorized ACH withdrawals from your account
  • Duplicate charges or debits
  • ATM errors that weren’t corrected
  • Fraudulent debit card transactions
  • Preauthorized transfers that continue after you’ve cancelled
  • Bank refusing to investigate disputed transactions

Learn More →

📱

Illegal Robocalls & Robotexts

The Telephone Consumer Protection Act (TCPA) restricts automated calls and texts. Companies that contact you without consent may owe you $500-$1,500 per violation.

Examples of violations:

  • Automated calls without your prior consent
  • Prerecorded marketing messages
  • Text messages from companies you never contacted
  • Calls continuing after you asked them to stop
  • Calls to numbers on the Do Not Call Registry
  • Fax advertisements without permission

Learn More →

Think Your Rights Have Been Violated?

Contact us today for a free initial email consultation. We’ll review your situation and let you know if you have a case.

✉️ Get Your Free Consultation


Paramount Law

Consumer Protection Law Firm | Serving Oklahoma & Louisiana Since 2010

DISCLAIMER: The information provided on this website is for general informational purposes only and does not constitute legal advice. Past results do not guarantee or predict future outcomes, as each case involves unique facts and circumstances. No attorney-client relationship is formed by contacting us or using this website. For advice about your specific legal situation, please contact our office directly for a consultation.

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