As consumers, we know that safeguarding our financial well-being and peace of mind requires making informed decisions about goods and services, checking credit reports, protecting our identities and paying bills on time. But companies – from car dealerships to mortgage lenders to credit card providers – sometimes make it impossible for customers to protect themselves. Fortunately, numerous state and federal laws, including the Consumer Protection Act, Fair Credit Reporting Act and Fair Debt Collection Practices Act, exist to protect consumers against deceptive, unfair and predatory business practices. The consumer law attorneys of Willig, Williams & Davidson routinely assist individuals and their families in fighting back against unfair trade practices in and out of the courtroom.
Whether you are facing identity theft, a credit report dispute, harassment by collection agencies, a defective product, mounting credit card debt, foreclosure, automobile fraud, unfair lending practices or a problem of another nature, Willig, Williams & Davidson’s lawyers in Philadelphia offer skilled, affordable counseling and representation to assist you. Consumers do have rights in these situations, and we are prepared to assert those rights on our clients’ behalf.
Whatever your consumer law needs, our attorneys will be with you every step of the way. Every matter is important to us, and we understand how crucial your legal concerns are to you. Our goal is to help you find relief, and to make sure that you feel as confident and as comfortable as possible throughout that process. It is important to note that many laws provide for “fee-shifting” in cases of consumer deception or fraud. This means that if a consumer is successful in bringing a claim against a business, the defendant business will be required to pay the consumer’s legal fees.
If you are struggling with what you think is a consumer-related problem, please do not hesitate to contact us for assistance today.
Consumer Law: Resources
- March 2014, PFT Legal Services Plan Newsletter
- Secured Debts in Chapter Seven Bankruptcy: To Reaffirm or Not to Reaffirm
Chapter Seven bankruptcy is designed to assist debtors in financial difficulty who do not have the ability to pay their existing debts. In exchange for having their debts “discharged,” however, a Chapter Seven debtor may have to give up certain property, which is then auctioned off, with the proceeds applied towards their debt.
- Safeguard Your Credit
Your credit follows you throughout your lifetime. Mistakes on your credit report can affect your credit score and your ability to receive credit. Pay careful attention to your credit report to insure accurate reporting.