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In Legal Terms: Consumer Protection

Are there rough seas ahead for you due to the pandemic? Foreclosures, bankruptcy, or predatory lenders? Our guest from the MS Center for Justice, Director of Consumer Protection, Charles Lee took questions for this podcast. https://www.mscenterforjustice.org/


Resource Information for Consumers

A resource on managing personal finances curing COVID19 for Mississippians created by the Mississippi State Extension Service.

 http://extension.msstate.edu/content/managing-personal-finances-during-covid-19


Coronavirus and dealing with debt: Tips to help ease the impact

https://www.consumerfinance.gov/about-us/blog/coronavirus-and-dealing-debt-tips-help-ease-impact/


Sample Letters for Dealing with Debt Collectors

The following sample letters will help if you’re experiencing common problems that may come up with debt collectors.



If you use any of these letters, it’s important to do so as soon as possible after you’re first contacted, and to keep copies of any letters you send. In certain situations, you only have 30 days after you’re contacted to ask for certain information, but even if more than 30 days pass, it’s still a good idea to ask for what you need.


Credit Reports


Due to the COVID-19 pandemic, the 3 national credit reporting companies are offering free weekly online credit reports through April 2021.

Link to https://www.annualcreditreport.com/index.action

Through December 31, 2026, all U.S. consumers can also get six free credit reports every 12 months from Equifax by establishing a "myEquifax" account at https://my.equifax.com/consumer-registration/UCSC/#/personal-info or by calling 866-349-5191

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How to Dispute Errors on Your Credit Report

https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/

Resources to Help Consumers Avoid Scams

https://www.consumerfinance.gov/coronavirus/avoiding-scams/

Tips to Cancel a Time Share Contract

https://www.debt.org/real-estate/timeshare-cancellation/


MPB’s Money Talks recently had a representative from the National Foudnation for Consumer Credit. https://www.nfcc.org/ You can hear their podcast from May 12th on their website http://moneytalks.mpbonline.org/episodes/money-talks-credit-counseling


National Center for Disaster Fraud Hotline at 866-720-5721 or via email at disaster@leo.gov _

 Report scams to the IRS at phishing@irs.gov

The Federal Trade Commission also has information  https://www.consumer.ftc.gov/articles/how-recognize-and-avoid-phishing-scams

https://www.consumer.ftc.gov/features/scam-alerts

FTC.gov/complaint

The Mississippi Attorney General’s guide to Consumer Protection http://www.ago.state.ms.us/wp-content/uploads/2013/08/Consumer-Guide-to-Mississippi-Consumer-Protection-Law.pdf

CARES Act: Temporary student loan relief: All loan and interest payments are deferred through Sept. 30 without penalty to the borrower for all federally owned student loans. https://www.npr.org/2020/03/26/821457551/whats-inside-the-senate-s-2-trillion-coronavirus-aid-package


Calls concerned:

  • time shares
  • title problems
  • housing
  • warning about scams
  • more scams

Attorney Charles Lee can be reached at the Mississippi Center for Justice at 601-352-2269 extension 104




More Episodes

7/28/2020

In Legal Terms: Mask Constitutionality

Guest: Lisa Shaw Roy, Professor of Law and Jessie D. Puckett, Jr. Lecturer https://law.olemiss.edu/faculty-directory/lisa-shaw-roy/Discussion centered around are restrictions on religious gatherings and mandatory mask orders during a pandemic constitutional.On shutting down one group verses another? Liberty concerns vs equality concernshttps://news.bloomberglaw.com/us-law-week/supreme-court-rejects-nevada-church-challenge-on-virus-rulesDoes the constitution grant governments greater latitude to restrict individual freedoms during a pandemic.A Simple Guide to Executive Orders: A handy summary of COVID-19 Executive Orders from the Governor, organized by who and what they apply to (Updated July 27) https://msdh.ms.gov/msdhsite/_static/resources/9924.pdfFines for not wearing a mask? According to the Mississippi Center for Public Policy, Jackson residents could be fined $300 and sent to jail for six months. Businesses could be shut down for a day. The fine in Canton for individuals is $500, and $1,000 for businesses. In Columbus and Greenwood, you can be fined up to $1,000.A $1,000 fine applies to businesses in Oxford.https://mspolicy.org/1000-fine-6-months-in-jail-for-not-wearing-a-mask/Private business that require masks to do business with them (now or beginning on the 1st): Walmart, Kroger, Target, Walgreens, Aldi, Apple, AT&T, Bed, Bath & Beyond, Best Buy, Costco, CVS Health, Gap, Old Navy, Banana Republic, Home Depot, Kohl’s, Lowe’s, Panera Bread, Starbucks, Trader Joe’s, Verizon, Winn-Dixie, Whole Foods Market,and McDonald's. https://www.worldnewj.com/winn-dixie-publix-walmart-all-the-u-s-stores-requiring-masks/
7/21/2020

In Legal Terms: Gaming Law

Guest: Ron Rychlak, Distinguished Professor of Law, Jamie L. Whitten Chair of Law and Government, and Faculty Athletics Representative https://law.olemiss.edu/faculty-directory/ronald-j-rychlak/Discussion included:how has COVID19 impacted gamblingonline gambling in Mississippisports bettingSome websites:https://news.yahoo.com/california-man-accused-gambling-away-covid-relief-funds-013747667.htmlhttps://www.hollywoodreporter.com/thr-esq/is-betting-an-athletes-heart-rate-a-game-coming-broadcasting-guest-column-1303582On the 'Wait Wait Don’t Tell Me' NPR and MPB radio program broadcast July 18, 2020 and available as a podcast, they had guest Maria Konnikova, journalist and writer who took up completive poker playing as research for her book, currently on the New York Times Bestseller list - The Biggest Bluff: How I Learned to Pay Attention, Master Myself, and Win. She moved during the coronavirus pandemic lockdown to New Jersey where online poker is legal. https://www.npr.org/programs/wait-wait-dont-tell-me/The Mississippi Council on Problem and Compulsive Gambling is dedicated to helping the community respond to those individuals and their families devastated by addictive gambling. If you or someone you know has a gambling problem, please call ourtoll-free help line at 1-888-777-9696. All calls are strictly confidential.msgambler.orgMPB’s Money Talks discussed Day Trading on July 21st, 2020.. Is that legal online gambling? Listen to the Money Talks podcast or find it on their website: moneytalks.mpbonline.org