I have recently had my bank account seized by a law firm. I never received any letters with the intent to collect a debt nor was I ever served to appear in court. What are my rights as a consumer.

i understood your problem,i also faced same problem last year,i met consumer advocate, and i got a good tips, a lot of information available atstopdebtcollectorscold, i think you will get consumer rights.

I know something about how to guard credit card online
Beware of “phishing” e-mails. These are made to look as if they’re coming from your bank or credit card issuer and usually urge you to take “immediate action” so that your card isn’t deactivated. The link in the e-mail takes you to a criminal’s Web site, where you’re encouraged to input your credit card account number and other personal financial details. If you get an e-mail purporting to be from your card issuer, use the toll-free number on your card to call and ask what’s up.
Be cautious shopping with unknown Web sites. A quick trip to an evaluation site like Bizrate.com or the Better Business Bureau online could save you money. Also make sure you have multiple ways to contact the merchant, including a phone number, fax number, street address (not just a post office box) and e-mail address.
If you've decided to apply for credit card online choose credit card resource screen websites. I can advice http://www.bestcreditoffers.com
Make sure the transaction is secure. Don’t enter your card number unless the little padlock is showing on the lower part of your browser, and the Web site address starts with “https” rather than just “http.”
Don’t let Web sites “store” your cards. The encryption technology used for transactions -- the information zipping back and forth between your computer and the merchant’s -- may well be better than the security used to protect information stored in the merchant’s databases. Besides, a big database of credit card numbers is a juicy target for hackers.