Consumer law is a broad term that refers to a variety of federal and state laws that are designed to regulate businesses in order to protect consumers from companies that engage in unsavory practices. Broadly speaking, consumer laws are enacted to protect consumers from fraud, deceptive advertising, invasive advertising, unfair credit reporting, predatory lending practices, debt collection abuse, and defective products.
At the federal level, there are a number of laws that fall under the consumer law umbrella. These include the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, and the Magnuson-Moss Warranty Act. A variety of federal agencies are responsible for enacting and enforcing relevant regulations. These agencies include the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Communications Commission, and the Department of Justice.
Some states have laws that complement or mirror federal laws and regulations. In one area of consumer law, lemon law, there isn’t a federal regulation, so each state has its own law regarding defective vehicles. Typically, state Attorneys General and consumer protection bureaus work to enforce state consumer laws, and often cooperate with federal agencies to enforce federal consumer laws.
While state and federal enforcement actions help keep various industries in compliance with consumer laws, those agencies don’t represent individual consumers. That’s why it’s important that you understand your rights and the steps you can take if you have been a victim of illegal business practices. Lemberg & Associates is committed to helping you get the justice you deserve by using consumer law provisions that enable you to sue businesses that violate the law and recover damages.
If you’ve been hounded by debt collectors, you’re not alone. Learn to recognize illegal debt collection practices, what you can do to stop the harassment, and how to get the compensation you deserve for debt collector abuse.
Your dream car can turn into a nightmare when it breaks down time and time again. Discover whether your new or used vehicle is a “lemon,” and how you can use state lemon laws to obtain a replacement vehicle or refund.
Knowledge is power. Auto fraud can take many forms, such as odometer rollbacks, spot delivery, and yo-yos. Learn about the most common forms of auto fraud so you don’t become a victim.
Bankruptcy is designed to give you a fresh start. Learn about Chapter 7 and Chapter 13 bankruptcy, and complete a short questionnaire to see if bankruptcy might be a viable option for your financial situation.
Your credit score can often determine whether you can get a credit card, rent an apartment, buy a car, or even get a job or promotion. All too often, though, credit reports contain errors. Learn about your rights under the Fair Credit Reporting Act.
When you receive robocalls from telemarketers, junk fax advertisements, or spam text messages, your rights are being violated. Learn about the protections afforded to you by the Telephone Consumer Protection Act.