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what is a junk text 5f43fc7caf356

What is a Junk Text?

Consumer Rights Law Firm Serving Clients in Chicago, Illinois, and Nationwide Posted: September 12, 2016 Like junk mail and junk calls, junk texts are a form of advertising utilized by some companies to garner more customers. At best, junk texts are annoying. At worst, they can be phishing scams designed to trick you into giving …

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TCPA and Utility Emergency Calls

The FCC has issued a Declaratory Ruling extending the emergency purpose exemption in the TCPA to include calls and texts from both utility companies and schools. The Ruling, in effect, expands the scope of “prior express consent” for these organizations to consumers and parents who have previously provided a wireless number. This latest Declaratory Ruling …

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What is Prior Express Consent?

Automated calls, texts, and similar communications are not allowed under the Telephone Consumer Protection Act (TCPA) unless “prior express consent” has been given to the company behind them. But what is “prior express consent” and can it be revoked? Prior express consent has been defined by the courts as “unambiguous written consent.” That seems fairly …

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Infographic – Types of Identity Theft

Consumer Rights Law Firm Serving Clients in Chicago, Illinois, and Nationwide Posted: July 11, 2016 Identity theft is the act that occurs any time another person steals your financial, medical, or other personal information. This can lead to the a person using your information to fradulently create businesses, take out loans, purchase items, and worse. …

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Robocall Challenge Winners

Consumer Rights Law Firm Serving Clients in Chicago, Illinois, and Nationwide Posted: June 27, 2016 The FTC recently issued a challenge to software developers: find a solution to effectively and easily block robocalls and receive a $50,000 prize. The challenge garnered over 800 submissions, but only two made the final cut. Serdar Danis and Aaron …

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CapitalOne Facing Robocall Lawsuit

Consumer Rights Law Firm Serving Clients in Chicago, Illinois, and Nationwide Posted: June 13, 2016 A federal judge in Atlanta has approved a class action lawsuit against CapitalOne filed by consumers who claim to have been bombarded by robocalls from the banking giant. According to the plaintiffs, CapitalOne robocalls were so persistent, phones were rendered …

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cellphones and the tcpa 5f43fcb2c900c

Cellphones and the TCPA

Consumer Rights Law Firm Serving Clients in Chicago, Illinois, and Nationwide Posted: June 7, 2016 The TCPA prohibits non-emergency calls from autodialers to cellphone numbers unless “prior express consent” is given by the owner of the number. But what exactly is “prior express consent” and are some companies abusing this relatively vague term to harass …

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New Rules Impact Predatory Payday Lending Practices

Consumer Rights Law Firm Serving Clients in Chicago, Illinois, and Nationwide Posted: June 3, 2016 On June 2nd, the Consumer Financial Protection Bureau (CFPB) proposed new regulations to protect consumers against “debt traps” created by short-term lenders. Often simply called “payday” or “auto-title” loans, these high-interest loans typically have the largest impact on men and …

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