LIVING WILLS ....................................................................................25
TELECOMMUNICATIONS ...............................................................26
THE NO CALL LAWS ...........................................................................26
Registering for the No Call Laws ..................................................26
Filing a Complaint .........................................................................27
TELEPHONE SOLICITATION ..................................................................27
Consumer Rights ............................................................................28
Notice of Cancellation ...................................................................28
Telemarketer Responsibilities ........................................................29
Unlawful Acts ................................................................................29
CRAMMING .........................................................................................30
UNSOLICITED FAXES ...........................................................................31
900 PAY-PER-TELEPHONE CALL SERVICES .........................................32
COUNTERFEIT CHECKS ..................................................................33
RED FLAGS ..........................................................................................34
IF YOU RECEIVE A SUSPICIOUS CHECK ...............................................34
FREE PRIZES/MAIL SWEEPSTAKES ............................................34
FREE PRIZES ........................................................................................34
MAIL SWEEPSTAKES ...........................................................................35
DOOR-TO-DOOR SALES ...................................................................36
PYRAMID AND CHAIN DISTRIBUTION SCHEMES ...................37
SALES PRACTICES ............................................................................38
REFERRAL SALES ................................................................................38
IMPLIED WARRANTIES ........................................................................38
NEGATIVE OPTION ..............................................................................39
USED GOODS .......................................................................................40
RAIN CHECKS ......................................................................................40
LAY-AWAY .........................................................................................40
CREDIT .................................................................................................41
CREDIT PURCHASES ............................................................................41
THE CREDIT REPORT PROTECTION ACT ..............................................42
FREE CREDIT REPORTS........................................................................43
CREDIT REPAIR ...................................................................................44
FAIR CREDIT BILLING .........................................................................44
TRUTH IN LENDING .............................................................................45
TRUTH IN LEASING ..........................................................................46
THE CONSUMER FORECLOSURE PROTECTION ACT ............47