car accident

Some people rely on the counsel and representation of local attorneys regularly, whether for professional or other reasons.

Understanding Consumer Law

There are a wide variety of federal and local laws in existence to protect consumer rights, including many that protect against fraud and abuse. As a result, most companies will take responsibility when something goes wrong with a product or a service that they provide; however, this is not always the case. When a business does not immediately take responsibility and take steps toward fixing the problem, it's time to look into hiring a consumer rights attorney.

Debt Collection Abuse

Creditors in today's society are required by law to comply with the Fair Debt Collection Practices Act or FDCPA. This act is designed to protect consumers from unscrupulous debt collectors, preventing them from harassing debtors and restricting the measures they can take in order to pursue unpaid debts. Any consumer who believes that he or she is being harassed or otherwise abused by a debt collector should look for an attorney immediately.

Credit Reporting Problems

The Fair Credit Reporting Act, or FCRA, protects both the integrity and the privacy of consumers' credit data. It regulates how consumers' information is handled and offers them the right to correct inaccuracies. Any information supplier or credit reporting agency who violates the rights of consumers under the FCRA, including credit bureaus, banks and credit card companies, landlords, employers, and others who have access to a consumer's credit information can be sued for damages.

Wrongful Repossession

Creditor agents who finance vehicles have to follow strict requirements when it comes to repossession of vehicles due to non-payment. If consumers are not actually in default, the creditor does not have a security interest in the vehicle, the repossession agent has breached the peace via verbal threats or violence, the vehicle owner did not receive notice, or the method of repossession did not follow local laws, the repossession itself was illegal. Vehicle owners who have become victims of illegal repossessions can not only get their cars back but can also sue for damages with the help of a lawyer and should visit modestas law as soon as possible to begin discussing their cases.

Auto Finance Fraud

There are a variety of different ways that a creditor can commit auto finance fraud, including packed payment scams, spot delivery scams, interest rate scams, and credit score scams. These violations are taken quite seriously and constitute legitimate reasons for filing a tort. Any consumer who believes that his or her rights have been violated should take action as soon as possible; contact Modestas Law today to learn more about consumer law and the dedicated attorneys who help to uphold it.