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What are your rights as a consumer

What are your rights as a consumer?

March 1, 2010

As Americans, we are aware of what are rights are as citizens. But, are we aware of our rights as consumers or customers?

Are you aware that you are a consumer whenever you buy a good or a service and are protected by certain laws?
Technically, a consumer is someone who acquires goods or services for their personal use or ownership rather than for resale, or production.

Consumer interests can also be protected by promoting competition in the markets which directly and indirectly serve consumers, consistent with economic efficiency, but this topic is treated in Competition law.

According to a wiki definition on the web, consumer laws were designed to ensure fair competition and the free flow of truthful information in the marketplace.

The main goal of consumer advocacy or consumer law is to educate the clients with the best skills.
Education should be conveyed in detail with all the rights that a client can have when they are being followed by a debt collector.

These rights are being provided by the state laws and FDCPA means, Fair Debt Collection Practices Act.
Consumer advocacy is not only created to impart education in detail but all together to provide you a protection shield. If you are dealing with the web site which are truly not listening to you after the work is done by you. Then, you can absolutely fight against the web sites for getting the payment from them through and with the help of consumer advocacy.

In the United States a variety of laws at both the federal or state levels regulate consumer affairs. Among them are the following:

Federal Fair Debt Collection Practices Act
Fair Credit Reporting Act, Truth in Lending Act
Fair Credit Billing Act
The Gramm-Leach-Bliley Act

Federal consumer protection laws are mainly enforced by the Federal Trade Commission and the U.S. Department of Justice.

At the state level, many states have a Department of Consumer Affairs devoted to regulating certain industries and protecting consumers who use goods and services from those industries.

For example, in the U.S. state of California, the California Department of Consumer Affairs regulates about 2.3 million professionals in over 230 different professions, through its forty regulatory entities.

In addition, California encourages its consumers to act as private attorneys general through the liberal provisions of its Consumers Legal Remedies Act, Cal. Civil Code § 1750 et seq.

California has the strongest consumer protection laws of any US state, partly because of rigorous advocacy and lobbying by groups such as Utility Consumers’ Action Network, Consumer Federation of California and Privacy Rights Clearinghouse.

Other states have been the leaders in specific aspects of consumer protection. For example Florida, Delaware and Minnesota have legislated requirements that contracts be written at reasonable readability levels as a large proportion of contracts cannot be understood by most consumers who sign them.

To overcome with the huge credit card bills which you receive at the end of each month is to select consumer advocacy.

The work of the consumer advocacy Group is to provide clients with the maximum protection from false and misleading advertising and sales practices.

There are consumer advocacy that have specialized their selves in debt collection work which can be definitely an effective option to get you help through credit collection process. There are consumer advocacy or few unions like American Consumers Union, United Consumer Advocacy Network, and many more are set up to act as a lawyer for the protection between both of the parties. Most of the advocates help clients in all possible manners by giving them with their education and protection.

LetterChamp is a full-service firm, handling aspects of the customer service dispute resolution process, including research, documentation, written correspondence, phone calls and product returns. We help our clients obtain cash refunds or product replacements from manufacturers, retailers and service providers around the country. Contact us at www.letterchamp.com.

American claims InfoSys CEO is Dagwood’s PHB

Recently the CEO of InfoSys generated a bit of buzz by claiming that American programmers are mostly unemployable. I’d have to agree with him on one count – someone with his outdated ideas of organizational behavior should probably go elsewhere to find people more experienced in passive-aggressive colonial dynamics.

To put this in perspective, let me recount an adventure I had while in India a few years back. I was living in a rural area at the time, and on a visit to the greater New Delhi area to get a laptop fixed I ended up in the same building as a recent acquaintance named Ganpathi. I called him to ask if I could visit and he agreed. I came upstairs, signed in, and he took me into the office where he worked, and introduced me to his boss. The boss asked Ganpathi and I to follow him to a conference room and told Ganpathi he was not allowed to have any visitors here, and when we were done chit-chatting he could go home and don’t bother coming back again. Then he left the room.

In case you missed that, the guy was fired without notice or warning. And in case you were wondering, he didn’t work in the control room of a nuclear reactor. This is the management paradigm that InfoSys can’t really keep in the US because of employment law, but at the very least they would prefer to hire people who don’t object to being treated this way.

However, the companies that are really successful in India, like Microsoft and Convergys, have taken a more open approach to management which fosters creativity rather than the old-school colonial approach. They suffer from the same problems as technology companies elsewhere, such as competition amongst middle management and pressure to work more hours, but have discovered the real key to taking advantage of the Indian talent pool: you have a lot of raw talent to pick from, and you just need to create the right environment (both literally and organizationally) for them to thrive.

There are also those who feel the advantage of outsourcing is just getting things done cheaper, and there’s a niche for them as well. InfoSys is happy to take on their big projects and put hordes of people on them, and if any of them misbehave, they will be fired and replaced because with a billion people you can always find a replacement.