Although wrongfully obtaining another person's credit report is a crime, there are a growing number of ways that the information can be legally distributed. Recently enacted federal laws allow corporate affiliates to share most information. My creditor's can't call me at work. While state laws differ, the general rule is that repossession cannot occur if involves force, a breach of the peace, or entry into a dwelling. Vehicles in driveways and unlocked garages are usually fair game.
Most leases require payments for the duration of the contract.
Early termination can often result in various additional charges. If I lose my credit cards, I'm liable for purchases. Fake prize notifications continue to become more convincing. Some consumers actually go to the company office to try to pick up their prizes. And don't forget you can get answers to all your consumer questions with the 1998-1999 Consumer's Resource Handbook .