Rockland County Consumer Lawyer

Consumers throughout the U.S. are entitled to various protections from predatory and unlawful practices, such as identity theft, debt collection harassment, and more. If you’re a victim of either of these, or you’ve discovered a credit reporting error and are looking to remedy the issue, please don’t hesitate to contact a skilled Rockland County consumer lawyer from 59Law.com for an initial consultation today.

Common Consumer Law Issues

Consumer rights violations come in many forms, and unfortunately, they’re more common than most people realize. Below are some of the most frequent consumer law issues individuals in Rockland County and throughout New York face, along with the legal protections in place to combat them:

• Credit Reporting Errors: Inaccurate information on credit reports can hurt your ability to obtain loans, housing, or even employment. The Fair Credit Reporting Act (FCRA) gives you the right to dispute incorrect entries and demand timely corrections from credit bureaus.
• Identity Theft: If someone uses your personal information to open accounts or make purchases without your consent, you may be a victim of identity theft. The FCRA and Identity Theft and Assumption Deterrence Act provide tools for recovery, including fraud alerts and removal of fraudulent data from your credit file.
• Debt Collection Harassment: Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from using abusive, deceptive, or unfair practices when attempting to collect a debt. This includes constant calls, threats, or contacting you at work without permission.
• Unlawful Repossession: If your car or property was repossessed without proper notice or in violation of your rights, you may have grounds for legal action. The Uniform Commercial Code (UCC) and state consumer protection laws offer safeguards in these cases.
• Predatory Lending Practices: Lenders who use misleading terms, hidden fees, or target vulnerable borrowers may be in violation of the Truth in Lending Act (TILA) and New York’s own consumer fraud statutes.
• Unauthorized Charges: Whether due to fraud or billing errors, unauthorized charges on your bank or credit card statements must be addressed quickly. Federal law, including the Electronic Fund Transfer Act (EFTA), provides procedures for disputing these charges.
• Lemon Law arbitration: If you bought a can that is defective (a “lemon”) we can represent you and make things right for you.
• Breach of Warranty: If a product fails to perform as advertised or promised, you may have a valid claim under the Magnuson-Moss Warranty Act, which governs written warranties on consumer products.  If you got bluffed by one of these shady Warranty companies, we can help.
• False Advertising and Deceptive Practices: Companies may use misleading language, inflated claims, or hidden terms to trick consumers. The Federal Trade Commission Act and New York’s General Business Law § 349 protect consumers from such unfair conduct.
• Improper Background Checks: If you were denied a job or housing based on a background check that wasn’t conducted or disclosed properly, you may have rights under the FCRA, which requires accurate reporting and proper authorization.
• Privacy Violations: Your personal data must be handled with care. When businesses mishandle or fail to secure your sensitive information, they may be liable under both federal and New York privacy laws.

No matter the issue, a knowledgeable consumer protection lawyer can help you understand your rights, gather the necessary documentation, and take action to correct the problem.

Resolving Your Case

When your consumer rights have been violated, it’s important to know that you have legal options. A skilled consumer lawyer from 59Law.com can help you pursue justice and compensation, whether through negotiation or litigation.

First, we’ll evaluate your situation through a detailed consultation and investigation. This includes reviewing documentation such as credit reports, correspondence with debt collectors, billing statements, or evidence of fraud. We’ll identify any violations of federal or New York consumer protection laws and outline the most strategic course of action.

In many cases, we can resolve consumer law disputes without going to court. We may start by sending dispute letters, filing complaints with regulatory agencies, or negotiating directly with the offending party to secure a favorable outcome, such as the correction of credit report errors, cancellation of unlawful debt, or financial compensation.

However, if these efforts don’t lead to a just result, we’re fully prepared to take your case to court. Our attorneys have experience litigating consumer protection claims in both state and federal courts. Whether it’s pursuing damages for FDCPA violations or holding a lender accountable for deceptive practices, we’ll advocate fiercely on your behalf.

Litigation may sound intimidating, but you won’t go through it alone. At every stage, from filing suit to settlement negotiations or trial, we’ll provide clear communication, transparent guidance, and unwavering representation.

Contact a New York Consumer Lawyer Today

Don’t face a consumer law issue without a skilled lawyer in your corner. At 59Law.com, we understand how overwhelming these matters can be, but with the right legal help, they can be resolved swiftly and efficiently. If you have further questions or would like to speak with a seasoned Rockland County consumer lawyer about your case, simply contact 59Law.com today.