Menu
Robert N. Heath, P.A.
Free Initial Consultation *
Local 850-502-2117
Serving Northwest Florida
For Over 30 years
Practice Areas

Consumer Protection Law Archives

What you should know about your rights under the ECOA - IV

In a series of posts dating back to March, our blog has been discussing just how disappointing it can be for those pursuing an education, new home, business opportunity or other venture to see a financial institution deny their application for much-needed funds, effectively putting their dreams on hold.

Why mandatory arbitration clauses are so onerous for consumers - II

Last week, out blog began discussing how clauses dictating that legal disputes must be resolved in private arbitration rather than the courts are buried deep within the language of many contracts, particularly those proffered by the financial industry.

Why mandatory arbitration clauses are so onerous for consumers

It's safe to say that the majority of people, whether they are making an online purchase, renting a car, applying for a credit card or engaging in any sort of transaction, choose not to read through the many pages of boilerplate before signing on the dotted line.

Senators accuse IRS's third party collectors of illegal, abusive tactics - II

In a post last week, our blog began examining how Congress, via a provision buried deep within the 2015 highway funding bill, called upon the Internal Revenue Service to once again start outsourcing some collection efforts to third party debt collectors

Senators accuse IRS's third party collectors of illegal, abusive tactics

When most people hear the term debt collector, they invariably envision those companies attempting to collect money owed to purely private enterprises. In other words, the last thing they think of is government entities.

Just how problematic are subprime auto loans?

One of the many consequences of the recent recession was that lenders became far more reluctant to extend other types of credit outside of just home loans. Interestingly enough, however, there was at least one anomaly: auto loans. Indeed, this type of credit proved readily available during these turbulent economic times, a trend that has continued to the present day with total auto debt in the U.S. now sitting at over $1.1 trillion.

What you should know about your rights under the ECOA - III

In a series of posts, we've began exploring how those individuals who find themselves in the unenviable position of having a loan application rejected -- whether for a home purchase, business opportunity, educational pursuit or other prospect -- shouldn't be too hard on themselves, as financial institutions often decline to extend the necessary funds. 

CFPB report highlights vulnerability of older consumers

The population of older Americans here in the U.S. is growing at a remarkable rate, fueled almost entirely by the baby boomer generation, whose members are enjoying longer, healthier lives. If you don't believe it, consider that statistics show as many as 10,000 Americans are turning 62 every day.

How you can help yourself when your identity is stolen

Thanks to everything from news reports to the experiences of friends and family, most people are well aware of the damage that can result when a person's identity is stolen. It's for this reason that so many are careful to shred their mail, devise complex passwords and exercise restraint when it comes to giving out sensitive information.   

We Accept Credit Cards

Visa MasterCard American Express Discover Network
super lawyers Avvo Rating 10 Superb Top Attorney Litigation NBTA - National Board of Trial Advocacy EST 1927 The Florida Bar Board Certified