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The law also limits your liability to $50 if your credit card lost, stolen, or used without your authorization.The worst thing you can do about debt is ignore it. Others are suddenly confronted with debts long forgotten.



There are several federal laws giving you certain rights when it comes to your credit and financial activity.Individual states may also have consumer protection laws on the books.The ECOA prevents creditors from discriminating against you or refusing to grant you credit based on: Creditors can ask for some of this information, but they can’t base their decisions on it.No matter what method they choose to pursue your debt, you are legally obligated to pay it and the creditor can take legal action against you if you don’t.