Consumer Law

PLC advises, provides brief services, and refers cases to our network of volunteer attorneys on a wide variety of issues including:

 

  • Identity Theft Identity theft occurs when someone uses another’s personally identifying information without permission to commit fraud or other crimes. Many people do not find out about the theft until they find an unauthorized charge on their credit report, are contacted by a debt collector, or are sued.
  • Creditor Harassment Consumers are protected from a variety of debt collector tactics by Federal and state law. Consumers may be able to sue debt collectors who unlawfully threaten or harass them, or who repeatedly call employers, friends or family without permission or call them at odd hours, or who make false representations about the debt or their intentions.
  • Wage Garnishment Low-income consumers may be able to reduce the amount of a wage garnishment or prevent garnishment altogether through certain court proceedings.
  • Student Loans Consumers may be delinquent on their student loans and may be subject to tax refund intercepts, wage garnishments, seizure of federal benefits, collector harassment, and bad credit records. Some borrowers may be eligible for administrative discharges of their federal student loans.
  • Predatory Lending and Home Equity Scams Predatory lending involves unfair and abusive loan terms, or unreasonably high interest rates. These loans are usually backed by some kind of collateral, such as a car or house, so that the lender can repossess or foreclose the consumer’s property and profit by selling it. Predatory lending may involve many types of loans (including Payday Loans) and rent-to-own transactions.
  • Debt Collection Defense Many individuals fall behind on their debts, and when that happens those debts are sent to collection agencies who eventually file lawsuits to collect the debt. Defendants then need assistance responding to the lawsuit and raising all potential defenses available, as well as forcing the creditor or collector to prove their case in court.

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