Consumer Rights Law
(1) Foreclosure defense
(2) Fraudulent billing practices by service providers such as cell phone and cable companies
(3) Inaccurate credit reports
(4) Harassing phone calls from debt collectors
(5) Unresponsive mortgage companies who won’t respond to your questions
(6) Recurring problems or defects in new cars, campers, or mobile homes
(7) Wrongful Repossession
Just like doctors, lawyers often focus their practices in a few particular areas. Knowing how to pick an experienced, knowledgeable attorney is very important if you have been a victim of consumer fraud. Consumer law is complex, comprised of both state and federal law. In some instances, if you are successful with bringing your statutory claim against businesses such as debt collectors, mortgage brokers, lenders, credit reporting agencies, or car dealers, the court will award you attorney’s fees and litigation expenses. This is a powerful tool that often causes businesses to settle claims even before the lawsuit is ever filed. Traditional common law claims, often brought by lawyers who are inexperienced with consumer protection laws, generally won’t provide for an award of attorney’s fees.
There may be steps that need to be taken before a lawsuit can be filed. Some laws require that correspondence be sent or certain attempts at settlement be made before filing suit. At Minnillo & Jenkins we are familiar with these types of requirements, and the “alphabet soup” of state and federal consumer laws, such as the FDCPA, FCRA, ECOA, RESPA, TILA, and the CSPA. We will provide you advice about your potential outcomes, and give you our opinion about your best course of action. In many cases, we will agree to represent you with a contingency fee agreement. This means that we will not require you pay us in advance for our representation. And if we are unsuccessful, you are not obligated to pay our fee.
Don’t be discouraged if you think your individual recovery might be too small for a lawyer to take notice. In some cases, you may not be the only person damaged by an unfair practice. In those instances, we may suggest bringing a class action lawsuit, in which you get the opportunity to represent your interests and the interests of other consumers like you. Sometimes bringing a class action is the best way to bring change to an industry-wide practice.
Whether we choose to take your case on an individual or class-wide basis, for an hourly fee or a contingency fee, we look forward to the opportunity to protect your consumer rights. Give us a call to schedule a free consultation.