When Should You Hire A Consumer Law Attorney?

When Should You Hire A Consumer Law Attorney?

The federal government and individual states have a framework of laws in place designed to protect individual consumers. These laws cover a range of subjects, including debt collection practices, credit reporting errors, identity theft, telephone and text communications, and more. Unfortunately, companies sometimes violate these regulations.

In some cases when relatively minor problems arise, you may be able to resolve issues without engaging a lawyer. In other situations, hiring a consumer law attorney could be the best way to protect and preserve your rights — while helping ensure other people don’t become victims too.

So, when should you hire a consumer law attorney? Let’s examine some scenarios.

You Are a Victim of Identity Theft

If someone used your personal or financial information without your permission — whether to open a new account in your name; file a fraudulent tax return to obtain a refund; to obtain medical care and services; or for another reason resulting in having an account on your credit report that is not yours — a consumer law attorney can help. Your attorney will navigate the framework of consumer protection laws and the criminal justice system, if needed, to help protect and restore your name and credit — making a stressful situation somewhat easier.

You Are Dealing With Debt Collector Harassment

Debt collectors are required to follow certain rules when they attempt to collect on outstanding debt. Among other things, they are not allowed to be abusive or use profanity; cannot threaten violence or other criminal activity; may not make false or misleading statements; cannot illegally tell others about your debt; nor ask you to pay illegal fees, expenses or interest. A consumer protection lawyer can put a stop to debt harassment.

There Are Errors on Your Credit Report

Credit reporting errors can have far-reaching impacts. With an error on your report, you could be denied when you apply for credit such as a mortgage or car loan. You might even be denied employment or housing. A consumer law attorney can help protect your rights if your credit report includes inaccurate information such as outdated records; someone else’s account data or inaccurate personal information; indications of fraudulent activity; and more.

You Have Received Unwanted Phone Calls or Text Messages

Many people find themselves inundated with “spam” calls and messages, robocalls, or repeated collection calls on their phones, even after asking to be removed from calling/contact lists. A consumer protection attorney can help you understand whether the unwanted contact rises to the level of violating the Telephone Consumer Protection Act (TCPA). She or he can help you obtain any compensation you may be entitled to receive.

What to Look for in a Consumer Law Attorney

When evaluating attorneys and law firms to help with consumer protection matters, it is important to consider whether the firm has experience handling similar matters for other clients. The firm should understand the network of federal and state laws, and the interplay of those laws.

In addition, you should understand who is responsible for paying legal fees. In most cases involving violations of consumer protection laws, the defendant is responsible for paying the claimant’s legal fees, so you should not have to pay out-of-pocket.

Need a Consumer Law Attorney? Choose Stein Saks, PLLC

Stein Saks, PLLC is a consumer protection law firm dedicated to defending and protecting consumers’ rights. Our practice areas include violations of the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and bankruptcy advice and representation.

Knowing when to hire a consumer law attorney is not always easy. If you are unsure, consulting with a skilled attorney can help you understand your options. Contact Stein Saks, PLLC today to schedule your initial consultation.

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