Practice Areas

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.

Repossessions

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.

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violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated, and where your information has not been properly safeguarded.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. 

Employment Rights and Workplace Violations

Workplace violations can be confusing, and it can be difficult to learn your employment rights. Common violations include unpaid compensable time, misclassification of employment status, unpaid or improperly calculated overtime, whistleblowing, discrimination, false reporting, minimum wage violations, and wrongful termination. You may be entitled to back wages, lost future wages, and additional compensation if any of your employment rights have been compromised by these or other workplace violations. 

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. 

Tenant Rights and Eviction Help

You have rights as a tenant. One of those rights is that your landlord provides and maintains basic living standards, known as the warranty of habitability. This means your landlord cannot tell you to put up with the leaking roof or broken heater, or make you responsible for the cost of maintaining the plumbing that always backs up. You also can’t be evicted without proper notice, usually in writing and in a specified way and form. To evict you, the landlord must prove in court that you did something wrong that justifies ending the tenancy, for example, that you didn’t pay your rent or otherwise breached your lease. Your tenant rights may be violated if you are not receiving your end of the bargain or have been wrongfully evicted. You could be entitled to a cash award, rent reduction, move out assistance, or more.

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.

Consumer Fraud

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.  

Servicemember Rights

Servicemen and servicewomen in active duty can face unique challenges when it comes to financial issues like shopping for housing, buying a car, and entering into other consumer contracts. The Servicemembers Civil Relief Act (SCRA) gives back by protecting our heroes from high interest rates, repossessions, and evictions, and by prohibiting penalties and fees when terminating certain agreements.

Personal Injury

Personal injury law allows the injured to seek legal remedy (damages) for losses arising from an accident or other incident, and assures they are financially compensated for harm suffered due to someone else’s carelessness or intentional conduct. Examples include car accidents, slip and falls, medical malpractice, as well as intentional conduct which causes harm to another person, like assault and battery.

Bankruptcy

Bankruptcy is a completely legitimate way to deal with overwhelming debt, and is a right provided by law to people who are deeply in debt and in need of a fresh start. The two most common types of bankruptcy relief afforded to individual consumers under the Bankruptcy Code are liquidation under Chapter 7 and reorganization under Chapter 13. Which type you may qualify for depends on your unique personal circumstances.

Russell S. Thompson IV
Managing Partner
Thompson Consumer Law Group

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