Consumer Rights Laws
Consumer rights laws exist in our country, and differ between states, to protect individuals when purchasing goods and services. These laws hold sellers and distributors accountable by allowing consumers to sue them for unfair practices.
Key federal statutes protecting consumer rights include the Federal Trade Commission Act, the Consumer Product Safety Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. These laws protect you in various situations—from billing errors and fraudulent charges, to breach of warranty, to defective products. Individual states also have consumer protection laws; many are similar to the federal laws, but may be more specific to certain industries.
Types of Individual Consumer Rights Cases
Fraudulent practices of any kind can be cause for pursuing a claim against a company. The following are just a few examples:
• Identity theft
• Warrant scam
• Damage to property caused by a purchased product or service
• Injury to a person or persons caused by a purchased product or service
• Failure on the part of a business to inform consumers of any hazards
Attorneys Enforce Consumer Protection Laws
Navigating the complex laws and legal system on your own can be tough, especially when the claim is against a business or large corporation. An experienced attorney cannot only determine whether a case is appropriate for a consumer rights lawsuit, but will also help consumers file the lawsuit under federal or state law, as well as a complaint with the FTC, if applicable. A consumer rights attorney will be able to gather all the necessary documentation and guide you in pursuing the best solution.
Contact Zimmerman Law Offices Today
Tom Zimmerman can help if you have been the victim of fraud or misrepresentation. He has assisted residents of the Chicago, Illinois area and thousands of consumers throughout the nation in obtaining justice and legal remedies in many types of cases, including:
• Insurance companies’ bad faith denial of long-term disability claims or health insurance claims
• Libel and slander arising from false and defamatory statements about a person
• Professional license dispute
• A dispute with a home contractor over performance of the work and billing
• Failure to honor a warranty or guarantee
If a local contractor or business has defrauded you, misrepresented the benefits of the product, or otherwise cheated you, contact Zimmerman Law Offices. You can request a free initial consultation on our website or call us toll free at 1-877-440-0020. We look forward to working with you.
Credit Report Contained Erroneous “Past Due” Account Listing – $87,500 recovery for a woman whose bank erroneously reported to the credit reporting agencies that her account was past due. The woman’s credit score dropped as a result of the erroneous listing. The woman made numerous requests to the bank to correct the error, but to no avail. After suing the bank for violating the Fair Credit Reporting Act (FCRA), we successfully negotiated a settlement whereby the bank agreed to pay $87,500 to the woman, reduce the interest rate on her loan from 7.25% to 5.25%, remove the erroneous past due listing from her credit report, and notify the credit reporting agencies that there should be no negative effect on her credit from this loan.