Consumer Protection

Providing a voice for consumers

 

In previous generations, folks often made contracts based on a handshake and their word. Today, we live in the age of fine print.

 

Most consumer contracts are intentionally lengthy and unreadable. Tireless advocacy is necessary to pursue all possible resolutions to consumer contracts troubled by unsavory business practices. Many consumer statutes and laws exist but are not always utilized by counsel. Below are a list of common consumer protection statutes, both based on federal law and state law, that this firm readily considers in the course of protecting consumers from unscrupulous business persons. 

Federal Truth-In-Lending Act. Requires businesses to provide certain disclosure and comply with federal regulations for consumer loan transactions.

Fair Debt Collection Practices Act. Provides protection to debtors and consumers from harassing and unlawful collection practices of businesses.

 

State Consumer Fraud Acts. States, such as New Jersey and Ohio have consumer protection statutes that protect folks from unfair and fraudulent business practices. Awards may amount to triple the amount of the actual loss and an award of attorney fees under certain circumstances. 

 

Warranty Recovery. Federal and state statutes protect consumer warranty claims, such as under the Federal Magnusson-Moss Act, and state Lemon Laws, among others.

Common claims:

 

  • Auto Dealer Fraud and Misrepresentation

 

  • Auto Repair Unlawful Practices

 

  • Home Improvement Contractors (ie: roofers, painters, cabinet installers)

 

  • Towing Services

 

  • Warranties - warranty claims for common consumer products

 

  • Products Liability - Physical or economic injury from household or business products

 

  • Short term "payday" Lending - Fraud and abusive interest rates in the lending practice

 

  • Hotels and Motels - bed bugs are a typical complaint amongst persons stopping at hotels