{
    "objects": [
        {
            "Title": "What is the Telephone Consumer Protection Act",
            "Slug": "what-telephone-consumer-protection-act",
            "Content": "<p><strong>Telephone Consumer Protection Act, 47 U.S.C.\u00a7 227<\/strong><\/p><p>The Telephone Consumer Protection Act (TCPA) was passed by the United States Congress and signed in to law in 1991. The law restricts telephone solicitations and the use of automated dialing systems, artificial or pre-recorded voice messages, SMS text messages, and fax machines.&nbsp; It also specifies several technical requirements for fax machines, auto-dialers, and voice messaging systems - principally with provisions requiring identification and contact information of the entity using the device to be contained in the message.<\/p><p>Unless the recipient has given prior express consent, the TCPA:<\/p><ul><li>Prohibits solicitors from calling residences before 8am or after 9pm, local time.<\/li>\n<li>Requires solicitors maintain a company-specific \"do not call\" (DNC) list of consumers who asked not to be called; the DNC request must be honored for 5 years.<\/li>\n<li>Requires solicitors honor the National&nbsp;Do Not Call Registry.<\/li>\n<li>Requires solicitors provide their name, the name of the person or entity on whose behalf the call is being made, and a&nbsp;telephone number or address at which that person or entity may be contacted.<\/li>\n<li>Prohibits solicitations to residences that use an artificial voice or a recording.<\/li>\n<li>Prohibits any call made using automated telephone&nbsp;equipment or an artificial or prerecorded voice to an emergency line (e.g., \"911\"), a hospital emergency number, a physician's office, a hospital\/health care facility\/elderly room, a cellular telephone, or any service for which the recipient is charged for the call.<\/li>\n<li>Prohibits auto-dialed calls that engage two or more lines of a multi-line business.<\/li>\n<li>Prohibits unsolicited advertising faxes.<\/li>\n<li>In the event of a violation of the TCPA, a subscriber may (1) sue for up to $500 for each violation or recover actual monetary loss, whichever is greater, (2) seek an injunction, or (3) both.<\/li>\n<li>In the event of a willful violation of the TCPA, a subscriber may sure for up to three times the damages, i.e. $1500, for each violation.<\/li>\n<\/ul>",
            "MetaDescription": "Telephone Consumer Protection Act, 47 U.S.C.\u00a7 227",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "What Robo Call",
            "Slug": "what-robo-call",
            "Content": "<p>A <a title=\"The Rules on Robocalls\" rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/blog\/rules-robocalls\" target=\"_blank\">robo call<\/a> is a call made using&nbsp;auto-dialer technology. This technology enables businesses to program a computer to place millions of calls to customers at a very low cost.&nbsp;<\/p>",
            "MetaDescription": "A robo call is a call made using\u00a0auto-dialer technology. This technology enables businesses to program a computer to place millions of calls to customers at a very low cost.\u00a0",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Why Do I Receive Unwanted Calls My Cell Phone",
            "Slug": "why-do-i-receive-unwanted-calls-my-cell-phone",
            "Content": "<p>When filling out an application for a loan or credit card, many consumers <a title=\"Think Twice Before Putting Your Mobile Number on an Application\" rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/blog\/think-twice-putting-your-mobile-number-application\" target=\"_blank\">list their cell phone number<\/a> along with their name,&nbsp;address, and other personal information. Listing a&nbsp;cell phone number on the application implies that the consumer is giving consent for the bank or lender&nbsp;to make contact with them on this number.<\/p><p>You can revoke consent to receive calls or text messages on your cell phone.&nbsp;A <a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/959852abd8\/UnwantedCalls-StopLetter-v2.pdf\" target=\"_blank\">letter<\/a> should be sent to the caller stating that they&nbsp;no longer have permission to make contact to your cell phone.<\/p><p>Sometimes a company buys a list of cell phone numbers, or \"captures\"&nbsp;your cellphone number if you call in for some reason. Neither of these constitutes <a title=\"What is the Telephone Consumer Protection Act?\" rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/practice-areas\/unwanted-calls\/what-telephone-consumer-protection-act\/\" target=\"_blank\">legal permission<\/a> to computer dial (or leave a recorded message on) your cell phone.&nbsp;<\/p>",
            "MetaDescription": "When filling out an application for a loan or credit card, many consumers list their cell phone number along with their name,\u00a0address, and other personal information. Listing a\u00a0cell phone number on the application implies that the consumer is giving consent for the bank or lender\u00a0to make contact with them on this number.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "How Can I Stop Unwanted Calls And Texts My Cell Phone",
            "Slug": "how-can-i-stop-unwanted-calls-and-texts-my-cell-phone",
            "Content": "<p>Many consumers are unaware that they have the right to stop unwanted calls and texts. Although the cell phone number may have appeared on an <a title=\"Think Twice Before Putting Your Mobile Number on an Application\" rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/blog\/think-twice-putting-your-mobile-number-application\" target=\"_blank\">application for&nbsp;credit<\/a>, or perhaps a student loan with Sallie Mae or Navient,&nbsp;the consumer has the right to revoke consent for calls placed to their cell phone.<\/p><p>Send a <a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/959852abd8\/UnwantedCalls-StopLetter-v2.pdf\" target=\"_blank\">letter<\/a> through Certified Mail, Return Receipt to the bank, collection agency, or telemarketer. Retain a copy of this letter for your records. &nbsp;<\/p><p>If the calls continue after telling them to stop, create a <a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/622bec6d09\/Telephone_Contact_Log-v2.pdf\" target=\"_blank\">call log<\/a> and document the calls by noting the date, time of day, name of caller, caller ID, and details of any conversation or phone message.<\/p><p>These calls could be a violation of&nbsp;the <a title=\"What is the Telephone Consumer Protection Act?\" rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/practice-areas\/unwanted-calls\/what-telephone-consumer-protection-act\/\" target=\"_blank\">Telephone Consumer Protection Act<\/a>. The TCPA permits consumers to recover <strong>$500 - $1500 for each call<\/strong> placed to their cell phone after requesting the calls stop.<\/p><p><a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/eea1b53947\/5c40ed05b132bcontact\" target=\"_blank\">Contact Flitter Milz<\/a> to discuss the calls received and whether there may be a violation of&nbsp;your consumer rights.<\/p>",
            "MetaDescription": "Many consumers are unaware that they have the right to stop unwanted calls and texts. Although the cell phone number may have appeared on an application for\u00a0credit, or perhaps a student loan with Sallie Mae or Navient,\u00a0the consumer has the right to revoke consent for calls placed to their cell phone.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "Can I Bring Lawsuit Against Caller",
            "Slug": "can-i-bring-lawsuit-against-caller",
            "Content": "<p>Banks, debt collectors, and telemarketers are not allowed to computer-dial to your cell phone or&nbsp;leave recorded messages unless you have given permission.<\/p><p>If&nbsp;calls come to&nbsp;your cell phone and you tell the caller to stop, they must stop. If you have given permission&nbsp;and then choose not to have calls to your cell, you must inform the caller that they no longer have your permission to call or text your cell phone in order to stop the unwanted calls.<\/p><p>If you are called without permission, or a&nbsp;caller continues to contact you after you have told them to stop, you may be able to bring a lawsuit against the caller. The <a title=\"What is the Telephone Consumer Protection Act?\" rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/practice-areas\/unwanted-calls\/what-telephone-consumer-protection-act\/\" target=\"_blank\">TCPA<\/a> permits consumers to recover <strong>$500 - $1500 for each call or text message.<\/strong><\/p><p class=\"c1\">Take the following steps to stop unwanted calls and texts:<\/p><ul><li>Write to the bank, debt collector, or telemarketer and request they stop calling your cell phone. This <a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/959852abd8\/UnwantedCalls-StopLetter-v2.pdf\" target=\"_blank\">letter<\/a> should be sent by Certified Mail, Return Receipt so that you have proof of requesting the calls to stop. If you cannot get a street address, advise verbally or by text message.<\/li>\n<li>Create a <a rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/assets\/Uploads\/622bec6d09\/Telephone_Contact_Log-v2.pdf\" target=\"_blank\">diary<\/a> of all calls listing the date, time of day, caller ID, name of caller\/company, and details of the message, text, or phone conversation.<\/li>\n<li>Retain all voice messages and texts messages.<\/li>\n<li>Gather correspondence sent to the bank, debt collector, or telemarketer&nbsp;requesting they stop calling.<\/li>\n<li>Review your phone records for incoming calls from the bank, debt collector, or telemarketer.<\/li>\n<li><a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">Contact Flitter Milz<\/a> for an evaluation of a TCPA&nbsp;violation.<\/li>\n<\/ul>",
            "MetaDescription": "Banks, debt collectors, and telemarketers are not allowed to computer-dial to your cell phone or\u00a0leave recorded messages unless you have given permission.If\u00a0calls come to\u00a0your cell phone and you tell the caller to stop, they must stop. If you have given permission\u00a0and then choose not to have calls to your cell, you must inform the caller that they no longer have your permission to call or text your cell phone in order to stop the unwanted calls.",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "What is the Do Not Call Registry",
            "Slug": "what-do-not-call-registry",
            "Content": "<p>The National Do Not Call Registry is managed by the Federal Trade&nbsp;Commission. Its purpose is to reduce unwanted calls to your personal&nbsp;phone numbers from telemarketers. You may register your home phone&nbsp;and cell phone numbers.<\/p><p>Business-to-business calls and faxes are not covered by this registry.<\/p><h2><strong>Submit your number to the National Do Not Call Registry:<\/strong><\/h2><p><strong>Phone:<\/strong><\/p><ol><li>Dial 888-382-1222 from the number that you want to register<\/li>\n<li>Follow the prompts provided.<\/li>\n<li>You may only register one phone number each time you call the National Do Not Call Registry<\/li>\n<\/ol><p><strong>Online:<\/strong><\/p><ol><li>Visit www.donotcall.gov<\/li>\n<li>Register your HOME and\/or MOBILE phone number.&nbsp; You may register up to three telephone numbers at one time.<\/li>\n<li>Open the confirmation email from the Do Not Call Registry and click the link to complete the registration.<\/li>\n<li>Print out a copy of the confirmation and keep in your personal file.<\/li>\n<\/ol><p>&nbsp;<strong>By State:<\/strong>&nbsp; &nbsp;&nbsp;<\/p><ol><li>Pennsylvania:&nbsp; &nbsp; dnc.attorneygeneral.gov,&nbsp;or call:&nbsp; 888-777-3406<\/li>\n<li>New Jersey:&nbsp; &nbsp; &nbsp; nj.gov\/oag\/ca\/comp.htm, or call:&nbsp; 800-242-5846<\/li>\n<\/ol><h2><strong>File a Complaint<\/strong><\/h2><p><strong>What to include in your complaint:<\/strong><\/p><ul><li>Name, address, email address and phone number where you can be reached.<\/li>\n<li>Phone number where you received the call, and whether this number is on the National Do Not Call list<\/li>\n<li>Date and time of the call, plus Caller ID#<\/li>\n<li>Whether the call advertised or sold any property, goods or services<\/li>\n<li>Any information to identify the individual or company whose property, goods or services were being advertised or sold, and whether any of this information was provided during the call.<\/li>\n<li>Whether you or anyone else in your household gave the caller permission to call.<\/li>\n<\/ul><h3><strong>Federal Communications Commission:&nbsp;<\/strong><\/h3><p>Consumer and Governmental Affairs Bureau<\/p><p>Consumer Inquiries and Complaints Division<\/p><p>445 12th Street, SW<\/p><p>Washington, DC 20554<\/p><p><strong>Complaints<\/strong>: www.fcc.gov\/complaints<\/p><p><strong>Phone:<\/strong>&nbsp; 1-888-225-5322&nbsp; &nbsp; &nbsp;<strong>Email:<\/strong>&nbsp; fccinfo@fcc.gov<\/p><h3><strong>National Do Not Call Registry<\/strong><\/h3><p>Federal Trade Commission<\/p><p>600 Pennsylvania Avenue, NW<\/p><p>Washington, DC&nbsp; 20580<\/p><p>Attn:&nbsp; DNC Program Manager<\/p><p><strong>Complaints<\/strong>:&nbsp; complaints.donotcall.gov\/complaint\/complaintcheck.sapx<\/p><p><strong>Phone<\/strong>:&nbsp; 1-888-382-1222&nbsp; &nbsp; &nbsp;<strong>Email:<\/strong>&nbsp; dncconsumerinquiry2@ftc.gov<\/p><h3><strong>Pennsylvania Attorney General<\/strong><\/h3><p>Bureau of Consumer Protection<\/p><p>14th Floor, Strawberry Square<\/p><p>Harrisburg, PA&nbsp; 17120<\/p><p><strong>Complaints<\/strong>:&nbsp; www.attorneygeneral.gov\/complaintformschecker<\/p><p><strong>Phone<\/strong>:&nbsp;<strong>&nbsp;<\/strong>800-441-2555<\/p><h3><strong>New Jersey Attorney General<\/strong><\/h3><p>Division of Consumer Affairs<\/p><p>P.O. Box 45025<\/p><p>Newark, NJ&nbsp; 07101<\/p><p><strong>Complaints<\/strong>:&nbsp; www.nj.gov\/oag\/ca\/compl.htm<\/p><p><strong>Phone<\/strong>:&nbsp; 973-504-6200, 800-242-5846&nbsp; &nbsp; &nbsp;<strong>Email:<\/strong>&nbsp; AskConsumerAffairs@lps.state.nj.us<\/p>",
            "MetaDescription": "The National Do Not Call Registry is managed by the Federal Trade\u00a0Commission. Its purpose is to reduce unwanted calls to your personal\u00a0phone numbers from telemarketers. You may register your home phone\u00a0and cell phone numbers.Business-to-business calls and faxes are not covered by this registry.Submit your number to the National Do Not Call Registry:Phone:",
            "publish_date": "1969-12-31 12:00:00"
        },
        {
            "Title": "I Received Notice About Class Action Settlement What Should I Do",
            "Slug": "i-received-notice-about-class-action-settlement-what-should-i-do",
            "Content": "<p>Several <a title=\"What is a class action lawsuit?\" rel=\"noopener\" href=\"https:\/\/www.consumerslaw.com\/what-class-action-lawsuit\/\" target=\"_blank\">class action&nbsp;lawsuits<\/a> are pending around the country against&nbsp;banks, finance companies, credit bureaus, debt collectors, and other businesses who deal with consumers. Many, but certainly not all, are based upon violations&nbsp;of the repossession, debt collection, and&nbsp;credit reporting laws.<\/p><p>Sometimes&nbsp;class settlements yield a modest amount. The class settlement may be fair and provide all that the law allows per person.<\/p><p>At the same time, a class member may wish to pursue an&nbsp;<strong>individual claim&nbsp;<\/strong>and choose to exclude him or herself, or choose to challenge the settlement. This is an important decision and requires consideration of several factors.<\/p><p>Your options to remain in the class, opt out, or challenge the settlement are outlined in the class notice. There may be strict procedures to follow and deadlines when you must act. <strong>Read the Class Notice carefully.<\/strong><\/p><p><strong>For questions, <a href=\"https:\/\/www.consumerslaw.com\/contact-us\/\">contact Flitter Milz<\/a> for a no cost consultation.<\/strong><\/p>",
            "MetaDescription": "Several class action\u00a0lawsuits are pending around the country against\u00a0banks, finance companies, credit bureaus, debt collectors, and other businesses who deal with consumers. Many, but certainly not all, are based upon violations\u00a0of the repossession, debt collection, and\u00a0credit reporting laws.",
            "publish_date": "1969-12-31 12:00:00"
        }
    ]
}