Consumer protection laws are laws that provide a way for individuals to fight back against businesses that try to take advantage of them. These laws hold banks, businesses, credit card companies, and debt collectors responsible for their unfair or fraudulent actions.

What are Some Examples of Consumer Protection Issues?
Consumer protection cases include most situations where a regular person is being taken advantage of by a more powerful entity, be it a bank, a business, or a debt collector. Consumers are especially likely to find themselves in these situations when times get tough and they wind up falling behind on their bills, but these are not the only types of consumer protection cases. Misleading advertising and predatory lending can also be contributing factors. Predatory lending can include exorbitant interest rates, hidden fees, and other tricks unscrupulous lenders use to try to charge as much interest as possible. Some examples of types of consumer protection cases include:

  • Fair Debt Collection Practices Act Cases—these are cases where a debt collector has engaged in some sort of abusive debt collection practices
  • Fair Credit Reporting Act Cases—these are cases have to do with errors in credit reporting
  • Credit Card and Debt Buyer Lawsuits
  • Auto Fraud and Lemon Law Cases
  • Debt Collection Abuse
  • Predatory Lending
  • Identity Theft

 

Individual Cases versus Class Action Cases
Sometimes consumer protection cases are pursued on an individual basis, while other times a class action suit may be the best way to proceed. To bring a class action suit is to sue a bank, business, or debt collector on behalf of a large number of people in situations similar to yours. Generally speaking, a class action is appropriate only if the company being sued wronged all of the people in the class in a similar way. So if a debt collector engaged in an illegal practice when collecting debts from many different people, a class action suit may be appropriate. However, if say a car dealer violated a lemon law in selling you a car, but does not have a history of doing this to other consumers, then an individual suit is likely more appropriate.

Experience that Counts
Brian L. Bromberg has spent his career helping consumers stand up for their rights against debt collectors, banks, credit card companies, and automobile dealers. Since he graduated from Brooklyn Law School in 1991 he has become a member of the Board of Directors of the National Association of Consumer Advocates, the Consumer Affairs and Civil Court Committees of the Association of the Bar of the City of New York, and other professional organizations. His practice includes both individually filed cases and class action litigation.

Call Bromberg Law Office, P.C.
When you need the services of an experienced New York consumer- protection attorney you should call Bromberg Law Office, P.C. Whether your issue is with a credit card company, a debt collector, an unscrupulous business, or a bank, we will know what to do and how to help you. Our phone number is (212)248-6906.