MY TOP 6 LINKS at the moment
1) Missouri Security Freeze/Credit Freeze Law
Missourians can now put a "true" credit freeze on our Credit Reports. It costs $5.00 to put the 1st freeze on though it is free if you have been the victim of Identity Theft and provide an incident report.
Here are links to the "Big 3" with their instruction on how to place this freeze on your account.
A link to the Missouri Attorney General's Page about this can be found here.
A link to the actual statute can be found here.
2) ID NOT REQUIRED TO USE A CREDIT CARD
Maybe I am the only one, but I get annoyed when asked for a identification when using a Credit Card. I always feel like the salesperson is accusing me of using a stolen card and being an ID thief, while at the same time asking me to provide them with information they can use to steal my Identity. As the saying goes, why should I trust them when they won't trust me? Most salespeople are surprised when I tell them they cannot require my ID according to their agreement with the credit card companies. Here are links to Mastercard's Complaint Form and Visa's Operations Manual (page 468).
3) How To Get Your Free Annual Credit Report
4) Federal Trade Commission (FTC) Fair Debt Collection Practices Act (FDCPA) Full Text
5) Missouri Secretary of State Corporation Information
Find information on businesses
6) Opt Out of Those Annoying Credit Card Offers
A great way to avoid identity theft
HELPFUL AND INTERESTING LINKS
Information on Charities and Non-profits.
It is always easier not to get involved with shady businesses in the first place than to try to get your money back later. If the price is too good to be true, your suspicions should be aroused and are probably right.
City of St. Louis Landlord-Tenant Handbook
A good reference tool for tenants
Don't fall for those ads. This one is truly free and you do not have to sign up for anything!
Missouri Statute Regarding Apartment Security Deposits
A great movie about the credit card industry. Truly a "must see" for anyone heading to college (and their parents).
Missouri has a "move over" law when driving near and emergency vehicle. Here is a link to the statute.
NATIONAL ARBITRATION FORUM (NAF) AGREES TO STOP DOING CONSUMER ARBITRATIONS AS A RESULT OF LAWSUIT FILED AGAINST IT BY MINNESOTA ATTORNEY GENERAL. Link to the Petition filed by the Minnesota Attorney General.
MISSOURI STATE LINKS
Missouri Attorney General Consumer Complaints
Missouri Attorney General Consumer Protection Division
Missouri Case Information (Case.net)
Missouri Secretary of State Corporation Information
Find information on businesses
Missouri Do Not Call List (See below for federal list)
Missouri Organ/Tissue Donation Registry
Missouri Treasurer Unclaimed Property & Money Information
Missouri Code of State Regulations (CSR)
Missouri Department of Finance
ST. LOUIS CITY AND COUNTY LINKS
St. Louis County Department of Revenue Property Information
UNITED STATES LINKS
National Do Not Call List (See above for Missouri list)
Federal Reserve 2010 Credit Card and Banking Rules
Federal Trade Commission (FTC) Credit Information
Federal Trade Commission (FTC) Bureau of Consumer Protection
Federal Trade Commission (FTC) Identity Theft Micro Site
Federal Trade Commission (FTC) Fair Credit Reporting Act Summary
Federal Trade Commission (FTC) Fair Credit Reporting Act Full Text
Federal Trade Commission (FTC) Fair Debt Collection Practices Act (FDCPA) Summary
Federal Trade Commission (FTC) Fair Debt Collection Practices Act (FDCPA) Full Text
Press Release: FTC Bans Automated Prerecorded Sales Calls
Effective 12/1/08, calls must have an interactive "opt-out."
Effective 9/1/09, calls must stop unless consumer agreed to receive them.
Actual text of the regulation can be found here.
Please note that these are links to third parties which are not associated with The Cohn Law Firm, LLC. Therefore, we cannot guarantee them to be complete, current, and/or accurate. They are merely provided as additional resources for consumers to peruse.
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