King James Version (KJV)

PROVERBS 22:7

The rich ruleth over the poor, and the borrower is servant to the lender.

Consumer Law disputing program is designed to educate individuals and businesses on their rights and responsibilities under consumer protection laws. This program covers various topics such as unfair business practices, deceptive advertising, breach of contract, and product liability. By participating in this program, individuals can learn how to protect themselves from fraudulent activities and seek legal recourse when their rights are violated.

Ecclesiasticus 13:19

“As the wild ass is the lion's prey in the wilderness: so the rich eat up the poor.”

King James Version (KJV)

One of the key benefits of the Consumer Law disputing program is that it empowers individuals to advocate for themselves and stand up against unfair business practices. Participants will gain knowledge on how to identify deceptive practices from a Biblical veiw point and take appropriate action to resolve disputes with the TRUTH in mind. This program also provides practical tips on how to negotiate with businesses, file complaints with regulatory agencies, and even take legal action if necessary.

Key Lesson Concepts:

YOU MUST HAVE A

KJV BIBLE WITH THE APOCRYPHA

FOR THIS TYPE OF ACADEMY

• Educates individuals and businesses on consumer protection laws that stem from Biblical precepts.
• Empowers participants to advocate for themselves and others with legal strategies.
• Provides practical tips on resolving disputes and taking legal action and responding accordingly.

Willfully False and Deceptive reporting hinders our people as consumers on purpose.

False and deceptive reporting can have detrimental effects on people as consumers. When individuals are exposed to inaccurate or misleading information, they may make decisions based on falsehoods, leading to financial loss or harm. For example, a consumer who reads a fake product review online and purchases the item based on that information may end up with a subpar product that does not meet their expectations. This highlights the importance of verifying sources and critically evaluating information before making purchasing decisions.

In today's digital age, false reporting can spread rapidly through social media and online platforms, making it challenging for consumers to distinguish between fact and fiction. Misleading headlines, manipulated images, and fabricated stories can easily go viral, shaping public opinions and behaviors. As such, it is essential for individuals to cultivate media literacy skills to navigate the vast amount of information available to them and to discern credible sources from unreliable ones. By being vigilant and questioning the accuracy of reports, consumers can safeguard themselves from falling victim to deceptive practices.

Furthermore, false and deceptive reporting not only impacts individuals but also undermines the credibility of the media and erodes trust in journalism. When consumers are repeatedly exposed to misinformation, they may become disillusioned and skeptical of news sources, creating a climate of uncertainty and confusion. Journalistic integrity and ethical reporting practices are crucial in building a relationship of trust between the media and the public. By holding media outlets accountable for their reporting and promoting transparency in news dissemination, consumers can help combat the spread of false information and protect themselves from being misled.

Willfully false and deceptive reporting can have a detrimental effect on consumers as it misleads them into making uninformed decisions. When information is intentionally misrepresented or manipulated, individuals may end up purchasing products or services that do not meet their needs or expectations. For example, a company advertising a skincare product as "all-natural" when it actually contains harmful chemicals can lead consumers to believe they are making a safe choice for their skin. As a result, consumers are not only being deceived but also putting their health at risk due to false information.

Moreover, deceptive reporting can also impact consumers financially by leading them to spend money on products or services that do not deliver on the promised benefits. For instance, a company falsely claiming that their weight-loss supplement guarantees significant results within a week may attract consumers who are eager to achieve quick results. However, if the product fails to deliver the promised outcome, consumers are left dissatisfied and may have wasted their money on a product that was marketed deceptively. This not only affects the individual consumer but also erodes trust in the market as a whole.

15 U.S. Code § 1611 - Criminal liability for willful and knowing violation

Unjust credit denials are not just unethical; they are also illegal. When a person applies for credit, whether it be a loan, credit card, or mortgage, they have the right to be evaluated fairly based on their creditworthiness. It is against the law for lenders to deny credit based on factors such as race, gender, religion, or national origin. This practice, known as discriminatory lending, is a violation of the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. These laws exist to protect consumers from being unfairly denied credit and to promote fair lending practices in the financial industry.

It is essential for individuals to understand their rights when it comes to credit denials. If someone believes they have been unjustly denied credit, they have the right to know the reasons behind the decision. Lenders are required to provide a written explanation for the denial, including the specific reasons or factors that influenced their decision. This transparency allows individuals to address any inaccuracies or discrepancies in their credit reports that may have led to the denial. By knowing their rights and taking action, individuals can challenge unfair credit denials and seek redress for any harm caused by discriminatory lending practices.

In addition to the legal protections in place, there are resources available to help individuals navigate the credit denial process. Consumer advocacy groups, legal aid organizations, and government agencies can provide guidance and support to individuals who believe they have been unfairly denied credit. These resources can help individuals understand their rights, file complaints with the appropriate authorities, and seek remedies for any harm caused by illegal credit denials. By being informed and proactive, individuals can protect their rights and advocate for fair and just treatment in the credit application process.

Hosea 5:15

“I will go and return to my place, till they acknowledge their offence, and seek my face: in their affliction they will seek me early.”

King James Version (KJV)

Understanding the concepts of credit and commerce is crucial in today's society. Without this knowledge, individuals may find themselves in financial hardship, struggling to make ends meet. Credit allows individuals to borrow money with the promise of repayment in the future, while commerce involves the buying and selling of goods and services. When individuals lack an understanding of how credit works or how commerce functions, they may unknowingly make poor financial decisions that can lead to debt and financial instability.

For example, let's consider a scenario where an individual does not understand how interest rates work when using a credit card. They may end up carrying a balance from month to month, accruing high-interest charges that they struggle to pay off. This lack of knowledge can result in a cycle of debt that is difficult to break free from. On the commerce side, without a basic understanding of supply and demand or how prices are determined, individuals may overspend on items they do not actually need, further exacerbating their financial challenges.

Haggai 1:6

“Ye have sown much and bring in litle: ye eat, but ye have not enough: ye drink, but ye are not filled with drink: ye cloth you, but there is none warm: and he that earneth wages, earneth wages to put it into a bag with holes.”

1611 King James Version (KJV)

In conclusion, education on credit and commerce is essential for financial empowerment and stability. By learning how credit works, individuals can make informed decisions about borrowing money and managing debt responsibly. Understanding commerce enables individuals to make wise purchasing decisions, budget effectively, and navigate the complex world of buying and selling goods and services. With the right knowledge and skills in these areas, individuals can avoid financial pitfalls and work towards a more secure financial future.

Isaiah 1:23

“Thy princes are rebellious, and companions of thieves: every one loveth gifts, and followeth after rewards: they judge not the fatherless, neither doth the cause of the widow come unto them.”

King James Version (KJV)

A common lie that holds good people back is the belief that self-promotion is bragging. It's important to advocate for yourself and ensure that your accomplishments are recognized. If you don't speak up about your achievements and abilities, others may not notice them. It's not about boasting or being arrogant; it's about being honest and confident in showcasing your strengths. By communicating effectively about your skills and accomplishments, you can overcome this lie and start moving with credit properly.

Lastly, many good people struggle with imposter syndrome, doubting their abilities and feeling like a fraud. This inner lie can prevent you from stepping into your full potential and receiving the credit you deserve. It's important to acknowledge your achievements, celebrate your successes, and remind yourself of your worth. Surround yourself with supportive people who uplift you and help you see your true capabilities. By challenging the lies of imposter syndrome and building self-confidence, you can break free from the barriers holding you back and start moving with credit and recognition.

At the Redemption Song Academy, we strive to assist as many mothers as possible with credit consulting services. Our team of experts is dedicated to helping individuals understand the importance of maintaining good credit scores and how it can impact their overall financial well-being. By providing personalized guidance and support, we aim to empower mothers to take control of their finances and work towards improving their creditworthiness.

Through one-on-one consultations, we analyze each mother's unique financial situation and create a customized plan to address any credit issues they may be facing. Whether it's managing outstanding debts, disputing errors on their credit report, or establishing healthy financial habits, our goal is to equip mothers with the knowledge and tools they need to make informed decisions about their credit. By working closely with our team, mothers can gain confidence in their financial capabilities and pave the way for a brighter financial future.

By offering credit consulting services to mothers in need, the Redemption Song Academy aims to make a positive impact on their lives and the lives of their families. We believe that by empowering mothers with the necessary skills and resources to improve their credit scores, we can help them achieve greater financial stability and security. Through our guidance and support, we hope to see mothers overcome financial challenges, break free from cycles of debt, and ultimately thrive as confidentconiand financially independent individuals.