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Attention  .  .  .  on December 1, 2015  new bankruptcy forms go into effect.  The changes are extensive but no worries - our bankruptcy software automatically updates all changes in bankruptcy law including the forms.

The Fair and Accurate Credit Transactions Act, 15 U.S.C. 1684, was established in 2003 to help curb identity theft. Under FACTA, no merchant shall print more than the last 5 digits of your credit card number or the expiration date of your credit card upon any receipt provided at the point of sale.

If you have received a merchant receipt which is in violation of FACTA, you may be entitled to $1,000.00 dollars for each infraction of the law.

Electronic Funds Transfers Act (15 U.S.C. 1693)

Many people are unaware that ATM operators must provide certain notices with regard to the fees charged to consumers. In accordance with federal law, all ATM machines must disclose that a fee will be charged to a consumer on the outside of the machine (if indeed a fee will be charged).

Additionally, the machine must also disclose the precise amount of the fee charged to a consumer on the ATM screen (prior to a consumer completing the transaction). If you have been charged a fee for an ATM transaction without either one of these notices, you may be entitled to recover $100.00 dollars to $1,000.00 dollar per each violation of the law.



















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