______________ is a United States federal law enacted in 1974 as an amendment to the Truth in Lending Act (codified at 15 U.S.C. § 1601 et seq.). Its purpose is to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in "open end" credit accounts, such as credit card or charge card accounts.

The _________restricts telephone solicitations and the use of automated telephone equipment. This limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines.

____________ is the policy of the State to protect its citizens from a lack of awareness of the true cost of credit to the user by assuring a full disclosure of such cost with a view of preventing the uninformed use of credit to the detriment of the national economy.

____________ is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity

__________ occurs when an individual or business revises the interest rate, payment schedule, and terms of a previous credit agreement. Debtors will often choose this with a loan agreement when the interest rate environment has substantially changed, causing potential savings on debt payments from a new agreement.

__________ is a legal process through which people or other entities who cannot repay debts to creditors may seek relief from some or all of their debts. In most jurisdictions, this is imposed by a court order, often initiated by the debtor..

____________ refers to the act of taking out a new loan to pay off other liabilities and consumer debts, generally unsecured ones. Multiple debts are combined into a single, larger piece of debt, usually with more favorable payoff terms. Favorable payoff terms include a lower interest rate, lower monthly payment, or both.

__________ is an implied contract on the part of a lawyer who has been hired, that he will use due diligence in the course of legal proceedings