If you were recently contacted by an overzealous debt collector who used questionable tactics in-an-attempt-to obtain money for a past-due bill, you’re not alone. 

According to a 2017 study conducted by the Consumer Financial Protection Bureau (CFPB), one-in-four consumers reported feeling intimidated, harassed or threatened by a debt collector during the 12 months of the survey. 

Fortunately, consumers have rights under the Fair Debt Collection Practices Act (FDCPA) that protect them against unfair, abusive or deceptive debt collection practices. 

Your boss asked you to work more than 40 hours in a week, but when you got your paycheck the amount you were paid did not include payment for those hours, or worse, failed to include payment at a rate of one and one-half times your normal rate of pay. You are saying to yourself, “I’m not being paid properly for working overtime, so what should I do?”

If this has happened to you, you’re not alone.

Whether by accident or design, many employers don’t pay workers overtime because it saves money. However, federal labor laws require employers to pay their “nonexempt” employees overtime wages for any hours in excess of 40 hours per week.

Advertising is a very powerful tool that companies use to persuade consumers to purchase property, goods or services.

Last year alone, companies spent over $200 billion for print, online, TV, and radio advertising.

Companies are required to follow strict state and federal guidelines when advertising their products and services, and advertisements that are designed to deceive or mislead consumers are prohibited by law.

What follows are examples of the false or misleading advertising tactics that are sometimes used: