Consumer Rights with Credit Cards?

SSMChicago asked: I recently fell into financial hardship and called my credit card company BEFORE I was late in making a payment with the possibility of being set-up with a hardship program of some sort or a freeze on my account, or payment plan until I can then again begin to make payments. The [...]

hey can someone elxplain to me the consumer rights under the following laws?

Mike F asked: truth in lending act
fair credit reporting act
equal credit oppurtunity act
fair credit billing act
electronic fund transfer act
and the fair debt collection practices act
try to make it easily understandable thanks alot!
i just need basic answers (ex: for equal credit opp act you could say credit cant dicrimate against race, age, maratial status, etc.) [...]

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