Consumer Rights Services We Handle
Debt Collection Harassment
Credit Reporting Errors
Auto Dealer Fraud
Predatory Lending
Identity Theft
Deceptive Business Practices
Unwanted Robocalls
Lemon Law Claims
Federal and Florida Consumer Protection Laws
Multiple federal and state laws protect consumers from unfair business practices:
- Fair Debt Collection Practices Act (FDCPA) - Prohibits debt collectors from using abusive, deceptive, or unfair practices. This includes calling before 8 AM or after 9 PM, threatening violence, using obscene language, calling your workplace after being told to stop, and misrepresenting the amount you owe.
- Fair Credit Reporting Act (FCRA) - Gives you the right to accurate credit reports. Credit bureaus and furnishers must investigate and correct errors within 30 days of a dispute.
- Florida Deceptive and Unfair Trade Practices Act (FDUTPA) - Prohibits unfair methods of competition and deceptive business practices. Covers a wide range of consumer fraud including bait-and-switch tactics, false advertising, and hidden fees.
- Truth in Lending Act (TILA) - Requires lenders to clearly disclose loan terms, interest rates, and total costs before you sign.
Common Consumer Violations We Handle
If you are experiencing any of the following, you may have a legal claim:
- Harassing calls from debt collectors - Repeated calls, threats, calls to family members, or attempts to collect debts you don't owe
- Inaccurate credit report information - Accounts that aren't yours, incorrect balances, accounts reported as delinquent after being paid, or failure to update disputed information
- Auto dealer fraud - Odometer rollback, failure to disclose prior accident damage, bait-and-switch pricing, yo-yo financing (changing loan terms after you drive off the lot), and undisclosed fees
- Predatory lending - Excessive interest rates, hidden fees, balloon payments, and loans designed to fail so the lender can seize your property
Compensation for Consumer Violations
Federal consumer protection laws often provide for statutory damages (set amounts per violation), actual damages (your real financial losses), punitive damages (to punish particularly egregious conduct), and attorney's fees (the violator pays your legal costs). This means that in many consumer rights cases, pursuing a claim costs you nothing out of pocket.