Ohio and Federal Consumer Protection Laws provide a number of protections for us as consumers of goods and services. Student Legal Services can assist you in resolving a number of consumer related issues. Contract reviews and/or disputes, debt collection claims; warranty disputes, disputes with your credit card company, cell phone provider and/or employer are just a few of the matters we can handle for you. Contact us at 419.530.7230 or stop by our office located in Room 1610 Rocket Hall. if you need assistance or have questions concerning your rights.
|Avoiding Credit Card Hazards|
The Credit Card Companies are flooding us with card solicitations, deceiving us with misleading offer terms, and gouging us with higher than ever fees. As a result, consumers are sinking further and further into debt. What should you be on the lookout for? How can you avoid being ripped off?
Help is Here!
For tips and assistance in this matter point your browser to www.truthaboutcredit.org. This site provides information on credit card traps and terms you should know when dealing with credit agencies. Ohio PRIG brings it to you. To contact them call at (216) 791-1116.
STOLEN CREDIT CARDS?
Cancel your credit cards immediately. Have toll free numbers and your card numbers handy so you know whom to call. If your cards were stolen, file a police report immediately in the jurisdiction where it was stolen, this proves to credit providers you were diligent. Most importantly call the three national credit reporting organizations immediately to place a fraud alert on your name and SS#. This alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
Take These Precautions
* Place the contents of your wallet on a photocopy machine. Copy both sides of each
license, credit card, etc.., so you will know what you had in your wallet and all
of the account numbers and phone numbers to call to cancel. Keep the photocopy in
a safe place.
* Call These Numbers:
o Equifax: 800.535.6285
o Experian (formerly TRW): 888.397.3742
o Trans Union: 800.680.7289
o Social Security Administration (fraud line): 800.269.0271
DISCLAIMER: The information on this website does not constitute legal advice, nor is it intended as a substitute for legal advice. UT students who have questions concerning the law or their legal rights may contact Student Legal Services, Inc. to arrange an appointment. In order to maintain the confidentiality of your legal matters we request that you do not send us e-mails about your case or to request legal assistance. Please contact us by phone or in person.