Consumer Rights
Contributor
Robert Hayes
Consumer legal writer — rights, contracts and disputes
Robert Hayes writes Legamoney's consumer legal explainers: contract terms, refunds and chargebacks, debt collection rights, small claims and dispute escalation. Every claim is tied to the statute or agency guidance it comes from — the FDCPA text, FTC consumer advice, or state consumer protection offices — and every guide points readers to free legal aid rather than offering advice. He works with the Legamoney Consumer Legal Desk.
Areas of expertise
- Consumer rights and protection statutes
- Everyday contracts and cancellation terms
- Debt collection and creditor disputes
- Small claims and complaint escalation
Published
15 articles
How we verify what we publish
- 01Every factual claim is traced to a named regulator, government agency, or the provider's own published terms before publication.
- 02Figures that change — rates, limits, thresholds — link to the primary source that publishes them rather than being quoted as a fixed number.
- 03Worked examples are shown as full arithmetic so a reader can reproduce the result independently.
- 04Each guide is checked by the owning editorial desk before it is published, and again whenever the underlying rules change.
Articles by Robert Hayes
Legal (15)
Consumer Rights · 15
Consumer Rights
Demand Letters: Writing a Clear Pre-Litigation Request
Consumer Rights
Mediation vs. Small Claims Court: Process and Trade-Offs
Consumer Rights
Small Claims Evidence: A Practical Preparation Checklist
Consumer Rights
Credit Report Errors: Building an Effective Dispute
Consumer Rights
Debt Validation Notices: What to Check and How to Respond
Consumer Rights
Automatic Renewals: Cancellation, Notice, and Records
Consumer Rights
Warranty vs. Guarantee: Rights, Limits, and Proof
Consumer Rights
Lost or Damaged Deliveries: Who Should Put It Right?
Consumer Rights
Filing a Consumer Regulator Complaint: What to Include
Consumer Rights
Statutes of Limitations in Consumer Disputes
Consumer Rights
Debt Collector Contact Rules: Your Federal Rights
Consumer Rights
Lemon Laws: Records, Eligibility, and the Claim Process
Consumer Rights
Chargeback vs. Refund: Which Process Applies?
Consumer Rights
When a Retailer Refuses a Refund: A Consumer Action Plan
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