Employment law and consumer protection, explained by the attorneys who litigate it. Straight answers on your rights at work and in the marketplace.
Consumer Rights
If you buy something with a credit card it’s fair to expect that a company that has a stake in the bill will want to be paid according to the terms of the contract you signed. It is also fair to expect that some companies might show a certain level of persistence in trying to […]
Consumer Rights
Class actions can be large and complex. Many class action suits involving a defective product or a law-breaking creditor can involve thousands of victims - if not more. In these cases, it would be impossible to find all of the potential plaintiffs before the attorneys bring a claim against the defendant and begin looking into […]
Consumer Rights
Anyone who has called a customer service hotline has heard this message before being connected to an agent: “This call may be monitored or recorded for quality assurance purposes.” Most of the time, we accept that our call might be recorded in this context, because we have been informed and it does not seem like […]
Consumer Rights
Digital radio giant SiriusXM has promised to repay customers affected by its fraudulent business practices, change its subscription cancellation policies and pay a $3.8 million fine to settle accusations filed by attorneys general in 44 states. The company had been accused of not cancelling subscriptions after promising customers they would do so. A multistate investigation […]
Consumer Rights
Buying a car should be an exciting event. Many of us only buy a new car a few times in our lives, and finding the right vehicle is a huge investment. So it is disheartening when the car has a major malfunction shortly after you drive it off the dealership’s lot. In the past, buyers […]
Consumer Rights
Telephone solicitations are so unpopular that it is a wonder that American companies still use this tactic to try to generate businesses. Still, people get these unsolicited calls. Most of the time, they are a minor annoyance, but some businesses choose to be overly aggressive. They use auto dialers to call their targets day and […]
Consumer Rights
After a long day at work, the phone rings and your child answers it and says. “There is someone on the phone saying that you owe them money!” Annoyed, you grab the phone and on the other end is a debt collector demanding payment for a debt you do not owe, to a creditor you have never heard of. […]
Consumer Rights
In a recent Telephone Consumer Protection Act (TCPA) lawsuit heard in a Federal Court, plaintiff Heather Nelson alleged that debt collection agency, Santander Consumer USA called her cell phone 1,026 times and left 116 prerecorded messages over the course of a year. Nelson sued the debt collector for violating the TCPA, and was awarded $571,000 in statutory damages. Nelson […]
Consumer Rights
A consumer has accused Global Holding & Investment Co. of threatening her with a lawsuit in regards to a 20-year old “zombie” debt. The term “zombie debt” refers to debts that are “obsolete” as defined in the Fair Credit Reporting Act (FCRA). Under the FCRA, accounts are obsolete after 7 1/2 years after the first default which was never […]
Consumer Rights
The Federal Trade Commission (FTC) recently made some clarifications regarding the CAN-SPAM Act. The clarifications include: The term “sender” in regards to multi-advertiser e-mails. The modification of the term “sender” addresses the situation in which there are more than one advertiser in a single commercial e-mail. According to the clarification, one of the advertisers can assume the role of “sender” as […]
Consumer Rights
Many desperate debt collectors threaten debtors with immediate wage or bank account garnishment as a tactic to intimidate them into payment. However, it is important to know that debt collectors who threaten to garnish a consumer’s wages, without being entitled to do so are in violation of the Fair Debt Collection Practices Act (FDCPA). Until a creditor has obtained a […]
Consumer Rights
Collection agencies, Rawlins & Rivera, Inc., Ryan & Reed, Inc. and their lawyer has been permanently prohibited from falsely representing the character, amount, or legal status of a consumer’s debt. As well as, representing that their collector is a lawyer or represents a lawyer, or that if the consumer does not pay, the defendants can or will file […]
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