Are you tired of having your consumer rights infringed upon by major corporations and massive entities? Are you ready to ensure that your rights as a consumer are always protected, meaning that you, yourself, are protected as well?
Here at Rights Protection Law Group, PLLC, we are ready to keep you safe. We are ready to protect you and your loved ones, beginning with your consumer rights.
What Are Consumer Rights?
Consumer rights are laws that are established to protect you, as the consumer, from unlawful and unethical business practices. Such laws have been put in place to keep you safe and protected from companies and other entities that are seeking to take advantage of you. Consumer rights laws are designed to make sure those who sell goods and services are held accountable during times when they are trying to make a profit or benefit because of one’s lack of knowledge, information, or bargaining power as a consumer.
Some types of conduct that are addressed by consumer rights laws can be described as unfair while other types are more than unfair and are examples of legitimate fraud and deception.
It’s great to know that consumer rights laws are present at both the state and federal level and are enforced via government agencies, attorney general’s offices, and class action and individual lawsuits that have been filed by the victims.
With strong prevalence, consumer rights can be very beneficial to keeping you, as the consumer, safe and protected.
Different Types of Cases Relating to Consumer Protection
There are several different instances of cases that would relate to consumer protection. One of the most common and widely seen cases is along the lines of abusive business practices where consumers are taken advantage of because they are likely in a vulnerable situation. An example of this would be when debt collection agencies call individuals at hours very early in the day or very late at night, try to contact the individual at their workplace and try to contact the individual’s friends and family members. Such an instance is a reportable act of harassment under the Fair Debt Collection Practices Act or FDCPA.
Examples of harassment by debt collectors like this could bring a statutory damage award of up to $1,000 for the victim(s) involved in addition to the coverage of the attorney fees and costs involved in proceeding forward with the lawsuit.
Another type of consumer protection refers to predatory lending. This type of consumer protection case actually makes up for one of the greatest numbers of consumer protection lawsuits. Predatory lending cases filter a variety of different malicious conducts including the charge of outlandish and inappropriate interest rates on loans and credit cards, keeping fees and penalties hidden in the very fine print of contractual agreements not often read by consumers, and applying various payments to a loan balance only to the low-interest portions of the balance.
As a consumer, you are protected against these types of misconduct.
Additionally, as a consumer, you are protected, as the public, from advertising that is false and misleading in nature. You may be familiar with typical “bait and switch” tactics enacted by dealerships, such as automotive dealerships first advertising a vehicle for sale at a much-reduced price without ever having the advertised vehicle. The dealership then pressures the consumer into purchasing another vehicle. Consumer rights laws will protect you against instances where you are sold defective products; the misrepresentation of warranties; arbitration clauses that are forced; identity theft; and various extra types of fraud and harassment.
How Else Are You Protected?
As a consumer, you are protected by the Federal Trade Commission or the FTC. The Federal Trade Commission was created in 1914 after the United States Congress passed the legislation required to establish the commission with a mission to battle unfair, unjust business practices that were anti-competitive.
Since the time of the agency’s establishment, their work has expanded to take hold over consumer rights issues and concerns as well. Specifically, the Federal Trade Commission’s Bureau of Consumer Protection works at the federal level to enforce federal laws and legislation that concern deceiving business practices that manifest throughout the consumer economy, like beginning the National Do Not Call Registry to keep telemarketers from harassing consumer’s telephone lines and private lives.
How Does a Class-Action Lawsuit Work?
A class-action lawsuit helps to keep you, the consumer, in power when it comes to dealing with unfair businesses.
Typically speaking, a major problem that troubles the victims of consumer rights issues is the small proportion of financial damages that are placed on the businesses. Generally, when a consumer is the victim of a business not making due on their promise, the consumer loses the amount they paid for the good or the service. However, it generally takes many of these instances to affect the business itself, so the business does not seem to suffer as much as the consumer does when such an issue is presented.
Therefore, class action lawsuits have been established to allow the consumer to stay in balanced power with the unfair business. Class action lawsuits are where an individual who suffered as the consumer from an unfair business practice can join forces together with other individuals who have suffered from the same business as well to create a bigger, stronger legal threat to the company.
Consult with a Consumer Protection Attorney
Here at Rights Protection Law Group, PLLC, we are ready to take your case and help you battle those who have battled you. Our dedicated and passionate team of consumer protection attorneys are here to fight for you, getting you back everything that you need and deserve. The firm’s years of trusted experience in protecting consumer’s rights will keep you safe and sound.
If you are ready to stop harassing phone calls from credit card companies and debt collectors, if you are ready to work with responsive and respectful attorneys who genuinely care about you, and if you are ready to join attorneys who are committed to stopping and preventing all forms of consumer fraud, then Rights Protection Law Group, PLLC is the right fit for you.
Contact us today for a free consultation and so that we can see what we can do to help you.