Do lenders have to disclose all the terms of the loan in the contract? Does a debt collector have the right to call at 10 p.m.? Are you liable to pay unauthorized charges on a stolen debit card?

When problems arise, it helps to know if the law is on your side — and what, if anything, you can do about your situation.

Fret not. Organized by problem type, this primer on consumer protection laws will guide you through the legal rights that apply to certain situations.

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