Strengthen your claim

Informed consumers should keep an eye out for these issues:

Some types of claims fall under particular laws that can increase the penalty for companies breaking them... and increase the compensation for you.

For example, there are legal protections put into place if you are experiencing issues related to unfair or deceptive practices (like false advertising), improper debt collections, or negative effects to your credit report. If these apply to you, make sure to add the details to your claim:

Deceptive Offers & False Advertising

deceptive offers false advertising

In legal terminology, Unfair, Deceptive or Abusive Acts and Practices (UDAAP) refers to illegal activity or practices intended to mislead consumers. If you believe that the company has engaged in this sort of activity, you may want to include these details in your Radvocate claim.

For example, if they falsely advertised a fee or agreement and then you were charged a different amount, this can increase the amount of compensation you are able to claim.

Read more from the Consumer Financial Protections Bureau:
Unfair, Deceptive, or Abusive Acts or Practices
UDAAP Procedures

Collections Issues

debt-collection-issues

The Fair Debt Collection Practices Act (FDCPA) is a federal law outlining unacceptable behavior from third-party debt collectors. There are rules of what they are allowed to do (and not do) that may affect your claim, so include details on any aggressive debt collection practices you’ve been subject to.

For example, if you’ve experienced automated phone calls or harassing behavior from a debt collector, you are able to claim additional compensation in your claim.

Read more from the Consumer Financial Protection Bureau:
What is an “unfair” practice by a debt collector?
What is the Fair Debt Collections Act?

Negative Impact to your Credit

credit-report-impact-issues

The Fair Credit Reporting Act (FCRA) regulates credit information collection and credit reporting. If your experience with a company has resulted in a negative impact on your credit score, you should include these details in your Radvocate claim.

For example, if you’ve asked the company to correct an improper impact to your credit score and they haven’t, you are able to claim additional compensation in your claim.

Read more from the Consumer Financial Protections Bureau:
What is the Fair Credit Reporting Act?
(FCRA) examination procedures