Bankruptcy is a legal status held by people who lack the means to repay their debts. To gain this formal standing, you have to petition, or apply to, a special bankruptcy court.

Civil litigation is a catch-all term usually taken to denote every kind of litigation that doesn’t pertain to criminal allegations, it encompasses a vast range of unique situations.

Unfortunately, many people are completely unaware of the fact that they enjoy certain protections as consumers.

The law’s main power lies in the fact that it expressly prohibits conduct that it deems abusive or deceptive, such as when collection agencies