There are several Acts, Laws, and Case Law that protect the consumer from being taken advantage of and abused by creditors, financial institutions, and even individuals you've borrowed from.  These laws allow protection to avoid the degradation of the financial system to becoming wealthy, powerful "loan sharks."  What follows is a sampling and brief explanation (soon to come) of several of these protections as have been and will be referenced throughout this site.

FDCPA - Fair Debt Collections Practice Act

FCRA - Fair Credit Reporting Act

FACTA - Fair and Accurate Credit Transactions Act

Equal Credit Opportunity Act

Fair Credit Billing Act

Truth in Lending Act

Telephone Consumer Protection Act

Considerable state and federal case law

and much more...