Consumer Protection

The Federal Trade Commission has created an educational video on debt collection that may help you! As part of its education and outreach about special rights servicemembers and their families have on some consumer issues, FTC’s Fraud Affects Every Community: Debt Collection video tells the moving first-person story of Bryan Noyes, is an Iraq War veteran, and his veteran’s debt collection experience. This video spotlights the struggle that Bryan had to go through when faced with harassing debt collection calls for debts that he couldn't even identify and the legal assistance that helped him recover. Even if a debt is unfamiliar those debts and concerns still need to be taken care of. Learn about what Bryan did and what you can do to if you are faced with such an issue. Watch Bryan's story, Fraud Affects Every Community: Debt Collection.

Under a recent settlement a Virginia-based USA Discounter will pay $95.9 million in restitution to Servicemembers and veterans after defrauding them through consumer goods purchased on credit. The Attorney General's Office stated that USA Discounters engaged in unfair, abusive and deceptive practices that caused some Servicemembers to lose security clearance and face demotions after their supervisors were continually contacted about debt owed to the company. For more information about the settlement and allegation please click here.

Drivers, especially in the hot and dry climate of Arizona, need to remember that a vehicle tire is made of rubber.  Over time, all rubber degrades to the point where it is no longer usable.  To illustrate, imagine a rubber band that gets left in a drawer for a few years.  It becomes brittle and when you try to use it, it may likely snap in half.   Unlike rubber bands, however, the degradation of rubber in tires may all be internal and NOT visible to the naked eye.  As tires age, the adhesion of the steel belts may be compromised by as much as 75%, likely resulting in a tread separation, often at highway speeds.  When this occurs, drivers often lose control of the vehicle with devastating results.  Not surprisingly, this degradation process (known as thermo-oxidative degradation) is accelerated in hotter climates.

Monitoring credit reports, to see if another individual has applied for or obtained credit in your name, is a good preventative measure to avoid fraud.  The FCRA provides Arizonans with an opportunity to receive free copies of their credit reports once a year.

To obtain a free credit report at no cost, consumers can contact the following:

Telephone: 1-877-322-8228
Mail: Complete the Annual Free Credit Request Form at:

And Mail to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

While most Americans are genuinely appreciative of our service to our country, we must be aware that unscrupulous people exist who target veterans and use them to line their own pockets.  Hopefully, this article will give you some insight into scams that target veterans and help you and your loved ones avoid becoming victims.

This website has been prepared for general information purposes only. The information on this website is not legal advice. Legal advice is dependent upon the specific circumstances of each situation. Also, the law may vary from state-to-state or county-to-county, so that some information in this website may not be correct for your situation. Finally, the information contained on this website is not guaranteed to be up to date. Therefore, the information contained in this website cannot replace the advice of competent legal counsel licensed in your jurisdiction.

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