Federal Debt Collection Practices Act, Federal Credit Reporting Act, Truth In Lending/ Regulation Z
Breach of Warranty/ Lemon Law, False or Misleading Advertising
If you have a reason to believe that:
- You have been exposed to an unscrupulous oppressive communication from a debt collector;
- You did not receive a notice before a creditor repossessed your home or your vehicle;
- You incurred undue damage to your credit as a result of unscrupulous lending or a bill you did not in fact owe;
- You borrowed under terms that were not fully disclosed to you before you signed the note;
- Credit bureaus did not fully or properly investigate the veracity of a disputed item on your credit report;
- You received a cold call, or a voice mail from a business entity you are unaffiliated with soliciting goods or services;
- Goods you purchased for personal and household use did not comport to the warranty;
- Item, good or a service you received was materially different than one advertised;
- You were sued by a debt collector who obtained a judgment and attached your personal bank account;
Robo-calls or Unsolicited Txt Messages
The Telephone Consumer Protection Act (“TCPA”)and other similar laws regulate unwanted telemarketing calls, junk/unsolicited texts to cell phones that occur at recipient’s cost. The Federal (“TCPA”) and other similar laws outlaw conduct where an advertiser resorts to making calls using automatic telephone dialing systems or prerecorded voice systems to cell phones or to residential lines where there is no consent of the recipients. The TCPA allows private actions by persons subjected to the prohibited conduct to recover up to $500 per violation (usually per call or per txt message/fax), or even up to $1500 if violation was willful.
The federal Truth in Lending Act (“TILA”) protects consumers from overcharges and other undisclosed “costs of credit”. Other federal lending laws such as the Equal Credit Opportunity Act (“ECOA”), which protects against credit discrimination, and the Real Estate Settlement Procedures Act (“RESPA”), which prevents kickbacks and bait-and-switch lending, exist to help borrowers in the often complex area of loans and consumer lending. Several state laws also provide protection for borrowers.
Please call for a free consultation, you may have a viable case in which case the wrongdoer will be obligated to pay for your reasonable attorney’s fees separate and apart from any amount owed to you for any successful action the firm would bring to vindicate your rights, including an out of court settlement.