The 4 Consumer Rights

Jul 13 2020 Published by under Uncategorized

The following four rights are the basis of much of the consumer-oriented legislation that has been passed during the last thirty years. These rights also provide an effective outline of the objectives and accomplishments of the consumer movement.

– The right to safety

The consumers’ right to safety means that products they purchase must be safe for their intended use, must include thorough and explicit directions for proper use, and must be tested by the manufacturer to ensure product quality and reliability. Business firms should also be aware that consumers and the government have been winning an increasing number of product-liability lawsuits against sellers of defective products. Moreover, the amount of the awards in these suits has been steadily increasing. Yet another major reason for improving product safety is the consumer’s demand for safe products. People will simply stop buying a product they believe is unsafe or unreliable.

– The right to be informed

The right to be informed means that consumers must have access to complete information about a product before they buy it. Detailed information about ingredients and nutrition must be provided on food containers, information about fabrics and laundering methods must be attached to clothing and lenders must disclose the true cost of borrowing the money they make available to costumers who purchase merchandise on credit. In addition, manufacturers must inform consumers about the potential dangers of using their products.

– The right to choose

The right to choose means that consumers have a choice of products, offered by different manufacturers and sellers, to satisfy a particular need. The government has done its part by encouraging competition through anti trust legislation. Competition and the resulting freedom of choice provide additional benefits for costumers by reducing prices

– The right to be heard

The forth right means that someone will listen and take appropriate action when costumers complain. In fact, corporate management teams begun listening to consumer complains after the end of World War II when competition begun again to increase. Today, businesses are listening even more attentively and many larger firms have consumer relations departments that can be easily contacted via toll-free phone numbers. Actually, one of the services every consumer today expects to receive from the companies he or she selects to purchase things from is consumer support.

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Consumer Debt Relief Program Information: What Kinds of Debts Can Consumers Get Help For?

Jul 13 2020 Published by under Uncategorized

Debt relief companies have been around for many decades in one form or another. Since there are so many frauds out there, you should always be careful when obtaining assistance from the “experts.” Sure, you might find a legitimate consumer debt relief program that charges fees, but you need to take the time to research that company and evaluate your own options to determine if it offers the right services for you.

There are numerous ways to deal with debt, including some DIY methods, but many people find themselves to be so tied up in their debts that they just want a company to help them get everything organized. If you feel that you are really behind on many payments and don’t know what to do, then it makes sense to just seek help from a company that does know how to help you get back on your feet again.

If your debts mostly involve credit cards, then it should be easier to get some relief. Here are the types of debts that relief programs usually offer to consumers:

• All major credit cards (MC, Discover, Visa, AMEX, etc.)

• Department store cards (PayPal, GAP, Sears, Walmart, etc.)

• Gas cards

• Most bank loans from prior banks

• Unsecured personal loans

• Installment loans

• Bad rent (if you are no longer the resident)

• Business debts (if the business has already closed down)

• Old cell phone bills (not current)

Consumer Debt Relief Program Consultation

Not every single one of these is going to be offered by every single consumer debt relief program, and some companies might even be able to help you with more.

When getting a free consultation, the company should let you know which option(s) might be best for you. For instance, a consolidation loan is usually a good idea for those who will benefit from just paying one, single bill each month instead of dozens, even though the interest on the consolidation loan itself might not be low.

Credit counseling is almost always a good idea, since you’ll have a professional who can advise you on the best way to handle your particular credit problems. If the creditors find out that you have enrolled in a counseling, management, or repayment plan, they might be willing to give you a bit of a break. However, your credit score might take a hit.

Get answers to all of your problems by getting a consultation with CuraDebt: the #1 consumer debt relief program. Get a free consultation on how much can potentially save and what the best strategy would be for your financial situation.

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