Consumer Protection

Business Practices

• What is the maximum fee for a bounced check?
• Do I have to provide my Social Security number (SSN) to a business?
• Can gift cards expire?
• What does the law say about refunds and returns in Texas?
• How late can telemarketers call?
• Can businesses raise their prices during disasters?
• Can a business charge a fee for using a credit card?

Contracts

• Are auto-renewing contracts legal in Texas?
• Do I have 3 days to cancel a contract in Texas?

Debt & Credit

• Debt collectors keep calling me. What can I do?
• What is the maximum interest rate under Texas law?
• How long can negative information appear on my credit report?
• Can debt collectors call my work or family?
• What is the statute of limitations on debt?

Vehicle Sales

• I bought a used car, but it does not run well. What can I do?
• I just bought a car and decided I don't want it. Do I have a legal right to return it?
• Is there a lemon law in Texas?