Whenever you finance or lease, your creditor gets important rights until you’ve paid off and satisfied your obligation. If you don’t make timely payments on the loan, your creditor may have the right to “repossess” (take back) the vehicle or other property without going to court or even warning you in advance. But they have to follow the law when doing so, including not breaching the peace, and providing you with proper post repossession notices. If your vehicle or property has been recently repossessed, you’re expecting it to be repossessed, or you’re dealing with the fallout from a repossession, you may be entitled to a cash award or to avoid the deficiency balance.
Debt Collector Help
We can help you handle those annoying and frustrating debt collector calls and letters. The Fair Debt Collection Practices Act (“FDCPA”) protects debtors and alleged debtors by regulating procedures bill collectors must follow when attempting to collect a debt. The FDCPA prohibits unreasonable collection contacts, false threats, and other harassing and abusive conduct. For options in repaying your debts, turn to our experienced consumer protection lawyers, who could advocate for you in multiple circumstances and find debt settlement or bankruptcy solutions that meet your needs.
Credit Report Problems
Fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nation’s consumer reporting agencies. These requirements are critical, as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate. Further, the privacy of your information guards against identity theft, a very serious problem that affects your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated, and where your information has not been properly safeguarded. If your credit report is wrong or has been illegally accessed, you may be entitled to cash damages and removal of the inaccuracies.
Telephone and Text Harassment
Your telephone privacy has value and must be respected. Under the Telephone Consumer Protection Act (“TCPA”) businesses must have your express consent to autodial or robocall (or robotext) your phone. If you have received robocalls or robotexts to your cell phone without your consent, you may be able entitled to an award of $500 or more per call or message. Our attorneys can help you regain your privacy and seek compensation.
Class Action Investigations
Class actions ensure companies who commit widespread harm are held accountable. Often, the injury is too small to justify any one individual bringing a lawsuit. But small individual losses usually mean a large corporate gain, and a class action can be brought efficiently on behalf of everyone else wronged. Class actions thus ensure compensation to those wronged, while imposing the costs of wrongdoing on the bad actor, deterring future wrongdoing. If you think what’s been done wrong to you may have also been done wrong to others, submit your investigation today.
Banking, Loan and Auto Pay Violations
Consumer rights concerning loans and banking are governed by several consumer protection laws, including the Truth in Lending Act (“TILA”) and Electronic Fund Transfer Act (“EFTA”). Under TILA, lenders must fully disclose the terms of their loans and leases to consumers in easy to understand terms, and may not illegally condition credit. EFTA protects you by regulating the ways merchants solicit and collect electronic payments (also known as ACH or Automated Clearing House payments). If your bank, lender, and/or other merchants are violating these laws, you may be entitled to a cash award.
Lemon Laws and Auto Sales Rights
State and federal lemon laws protect consumers who purchase defective vehicles under warranty. If the manufacturer cannot resolve the issue, the lemon law will often require it to issue the consumer a cash payment, replace the vehicle, or provide a refund. Auto sales rights protect you against misrepresentations as to the vehicle’s prior history, illegal or undisclosed costs and fees, unreasonable upcharges, and more. Don’t be dissuaded by the dealer or the manufacturer of your vehicle. You have nothing to lose by contacting a lemon law and auto sales rights attorney. Your entire sales, financing, and repair files should all be reviewed for violations of your consumer rights with no cost or obligation.
State and federal consumer fraud laws provide compensation to victims of fraudulent practices. These unfair and deceptive practices acts prevent businesses from taking advantage of consumers through fraudulent methods. Under these consumer protection laws, businesses generally cannot misrepresent, omit, suppress, or conceal material facts when advertising or selling goods or services. If you are a victim of consumer fraud, you may be entitled to actual and punitive damages.