If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector." You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe. This brochure answers commonly asked questions about your rights under the Fair Debt Collection Practices Act.
Need to represent yourself in court but don’t know how? Our Online Classrooms will guide you through the process in any of these topics: Debt Collection Defense, Guardianship, Unemployment Benefits Appeals, Getting Your Landlord to Make Repairs, and Filing for an Order of Protection.
There are many things to think about when entering into a marriage or civil union. One that is often overlooked or that people just don’t know about is the Doctrine of Necessaries (sometimes referred to as Necessities). In South Carolina, this doctrine allows third-party creditors, usually hospitals, to seek payment for a hospital bill from not only the patient but also the patient’s spouse. Under this theory, the spouse is liable for the “necessaries” of the other spouse. In this episode of Level Up Law, we define the doctrine and hit the high points of how it might apply in certain situations.