🍻 Q&A Happy Hour: Real Consumer Issues, Served With Answers

 A: Yes! Under the Telephone Consumer Protection Act (TCPA), unsolicited marketing texts without your written consent are illegal. You may be entitled to $500–$1,500 per message. Screenshot the messages, text “STOP,” and don’t delete the proof.

📲 You don’t need to suffer in silence—or in spam.

A: Online disputes are convenient, but weak. For full protection under the Fair Credit Reporting Act (FCRA), you should dispute in writing, include documentation, and send it to both the credit bureau and the company that reported the debt.

🧠 Bonus Hack: They have 30 days to respond or fix it. If they don’t? Time to call the legal bartender.

 A: Under the Fair Debt Collection Practices Act (FDCPA), you can send a written cease-and-desist letter. Once they get it, they’re legally required to stop contacting you—unless it's to inform you of a lawsuit or specific action.

☎️ Save the voicemails. Log the call times. You may have a claim.