Protecting Your Rights as a Consumer
The skilled attorneys at Garibian Law Offices, P.C. proudly protect the rights of consumers through class actions in both state and federal courts. Our lawyers have delivered favorable results for countless consumers who were unfairly subjected to illegal business practices of some of the world’s largest financial institutions. Our consumer protection attorneys are dedicated to obtaining the compensation our clients deserve while holding the responsible parties fully accountable.
While most individuals with judgments from credit card companies remain subject to garnishments and bank account freezes via inaction, partnering with our law firm to pursue recourse can prove fruitful. By taking the proper action with legal representation at your side, credit card companies are more likely to settle the dispute or dismiss the case entirely. With that in mind, the lawyers at Garibian Law Offices, P.C. are here to help you defend any lawsuit and negotiate settlements.
Reasons to Hire a Consumer Protection Attorney
From credit card scams and investment fraud to unfair debt collection and other shady and illegal business practices, there are many reasons why you may need a lawyer to help with consumer protection litigation. Here are some examples of cases our consumer protection lawyers can help with:
Unfair Debt Collection Practices
In 1977, U.S. Congress enacted the federal Fair Debt Collection Practices Act, which prohibits third-party collection agencies from harassing, threatening, and making inappropriate contact with a consumer who owes money. You need an attorney who is experienced with consumer protection litigation on your side when dealing with unfair debt collection practices. If you believe that a creditor you owe money to has violated this law, the consumer protection attorneys at Garibian Law Offices, P.C. welcome you to call for a consultation to help determine your best course of legal action.
Inaccurate Credit Reporting
Under the Fair Credit Reporting Act, consumers may be entitled to sue financial institutions and credit reporting agencies for negligent or willful noncompliance with the law. Depending on the circumstances of your case, you could potentially recover compensation for actual damages, statutory damages, punitive damages, court costs, and attorneys’ fees. If you are a victim of inaccurate credit reporting and would like to consider initiating consumer protection litigation, the consumer protection attorneys at Garibian Law Offices, P.C. are prepared and fully equipped to represent you.
Lemon Laws
Chances are you’ve seen a few commercials about lemon laws. Lemon laws are protections that allow consumers to obtain a refund or a replacement vehicle if it is determined that the vehicle has a major mechanical defect and it cannot be repaired through a “reasonable number of repair attempts.”
A mechanical defect is typically defined as any defect, failure, or malfunction that is covered by a warranty and cannot be repaired. If this is the case for a vehicle you recently purchased, you may be eligible for a refund or replacement vehicle under your state’s lemon laws.
Product Liability
Sometimes, products enter the market that should not have passed the quality inspection at the manufacturing plant. As a result, every year, thousands of American consumers are injured by defective products. Product liability laws are a layer of consumer protection that holds manufacturers, wholesalers, distributors, and vendors liable for the products they sell and any subsequent damage they may cause as a result of a defect.
In general, product liability is most relevant for retail products, but these protections can extend to anything that can be sold. There are three types of product liability cases, including:
- Negligence
- Breach of Warranty
- Strict Liability
False Advertising
Many people will remember the class action lawsuit against Redbull. The long-standing slogan, “Redbull gives you wings,” was determined to be deceptive advertising. In general, advertising tows a tight line between exaggerating and embellishment, but occasionally, advertisements cross the legal line.
Some of the regulations around false advertising include:
- Using misleading language, such as “organic” or “natural”
- False endorsement by scientific or medical industry leaders
- Inaccurate or misleading photographs
- Product modifications or use of coloring to deceive the consumer about the quality
- Falsely claiming the use of a certain ingredient or misrepresenting the formulation of a product
Identity Theft
When identity theft occurs, sensitive information may be misused to open unauthorized accounts or commit fraud. A consumer protection lawyer from our firm will help you navigate the legal steps needed to rectify the damage, which may include disputing fraudulent transactions and working to restore your credit score. We may also liaise with the consumer protection unit in your state or the consumer protection division of a federal agency to escalate your case and initiate federal consumer protection investigations, depending on the circumstances.
Serious Spam Calls
Unwanted spam calls often lead to harassment, financial scams, or privacy invasions. We can assess whether these calls violate the Telephone Consumer Protection Act and pursue legal action against the responsible parties to safeguard your rights under consumer protection laws.
Lack of Credit Card Transparency
When credit card companies fail to disclose hidden fees, interest rate hikes, or unclear terms, consumers may face unexpected financial burdens. A consumer protection lawyer from our firm can scrutinize the agreement to identify deceptive practices that may constitute consumer fraud. We can also file claims with the consumer protection unit to address violations and recover improperly charged fees to ensure companies adhere to consumer protection laws.
Vehicle Repossession Negotiation
If a lender repossesses your vehicle, the process may not always comply with state laws or your loan agreement. We can evaluate the situation to determine if the repossession violated consumer protection laws and will also negotiate with the lender or escalate the matter to the consumer protection division. Our approach aims to secure a fair resolution and prevent further unlawful actions.
Other Unfair or Misleading Business Practices
There are various forms of unfair or misleading business practices that we commonly address for our legal clients. Whether you are dealing with an investment scam, credit card fraud, unwarranted asset repossession, or any other type of unethical practice, it is in your best interest to hire an attorney to help you initiate consumer protection litigation. Fortunately, the experienced consumer protection attorneys at Garibian Law Offices, P.C., have the skills and resources you need to obtain the compensation you deserve.
Consult With a Lawyer About Consumer Protection Litigation
No matter how powerful the company you are up against may seem, the consumer protection attorneys at Garibian Law Offices, P.C. are ready to fight for you. Our experienced lawyers have a proven track record of success when it comes to handling consumer protection litigation. Contact us today to consult with an attorney about consumer protection litigation in Delaware, New York, New Jersey, or Pennsylvania.you are up against may seem, the consumer protection attorneys at Garibian Law Offices, P.C. are ready to fight for you. Our experienced lawyers have a proven track record of success when it comes to handling consumer protection litigation. Contact us today to consult with an attorney about consumer protection litigation in Delaware, New York, New Jersey, or Pennsylvania.