Stay informed with simple, practical insights on your rights, fair wages, credit, and debt laws.
Can You Opt Out of a Class Action Settlement? Reviewed by J. Dennis Card Jr. Yes, you can opt out of a class action settlement in most cases. Courts call this step “requesting exclusion.” You
Why Did My Credit Score Drop After Paying Off a Debt? Reviewed by J. Dennis Card Jr. Your credit score can drop after paying off a debt due to changes in your credit mix, credit
Can a Debt Collector Contact Your Family About Your Debt? Reviewed by J. Dennis Card Jr. Debt collectors can contact your family members, but only to locate you. They cannot discuss your debt, the amount
Can Your Employer Make You Work Through Lunch Without Pay? Reviewed by J. Dennis Card Jr. In Florida, employers can require you to work through lunch, but if you perform any work during that break,
Why Is a Collection Account Still on My Credit Report? Reviewed by J. Dennis Card Jr. A collection account can remain on your credit report for years, even after you pay it. The Fair Credit
How to Prove an Unpaid Overtime Claim: Evidence That Wins FLSA Cases Most Florida workers who have been shorted on overtime hesitate to contact an attorney because they believe they cannot prove what happened. Their
Can Credit Report Errors Prevent You From Buying a Home in Florida? Reviewed by J. Dennis Card Jr. Yes. Credit report errors can directly prevent you from buying a home in Florida by lowering your
How to Stop Debt Collectors From Calling You in Florida Reviewed by J. Dennis Card Jr. Yes, you can legally stop debt collectors from calling you in Florida by sending a written cease communication request
What Happens After You File a Credit Report Dispute? A Step-by-Step Timeline Reviewed by J. Dennis Card Jr. You carefully submit a credit report dispute, provide supporting documents, and wait for the credit bureau to
How Do Credit Bureaus Create Mixed Files? Reviewed by J. Dennis Card Jr. Credit bureaus create mixed files when their automated systems incorrectly merge two separate consumers’ information into one credit report. This happens when
What Happens If a Credit Bureau Ignores Your Dispute? Reviewed by J. Dennis Card Jr. If a credit bureau ignores your dispute, they may be violating the Fair Credit Reporting Act, and you may have
How Far Back Can You Claim Unpaid Overtime? Reviewed by J. Dennis Card Jr. Under the Fair Labor Standards Act, most Florida workers can claim unpaid overtime going back two years. If the violation was
Can You Sue Your Employer for Unpaid Overtime? Reviewed by J. Dennis Card Jr. Yes. You can sue your employer for unpaid overtime in Florida if they violated the Fair Labor Standards Act. Federal law
Employee Misclassification: Are You Being Paid Wrong? Your employer calls you a contractor. Or a manager. Or a salaried exempt employee. But your daily work tells a different story. You follow a set schedule, use
How to Know If You Are Owed Overtime Pay in Florida You work long hours every week. Your paycheck looks the same every time. Something feels off but you are not sure what your rights
If your rights have been violated, you do not have to face it alone. Contact Consumer Law Organization for a free case evaluation and let us fight for the results you deserve.
