CONSUMER LAW

We at Zermay Law, know consumer laws are designed to protect consumers from deceptive or unfair business practices by setting guidelines for business conduct and providing legal remedies for consumers who have been harmed by such practices. These laws cover a wide range of areas, including product safety, truth in advertising, debt collection, credit reporting, and more. As a full-service law firm dedicated to consumer law, we can help individuals navigate the complex legal landscape and hold businesses accountable for their actions.

Indeed, those are some examples of when you might need a lawyer that knows consumer laws. Below are some additional details on each of those areas:

• Lemon Laws: These laws provide protection for consumers who purchase a defective vehicle, typically a new one, that cannot be fixed after a reasonable number of attempts. A consumer who qualifies under these laws may be entitled to a replacement vehicle, a refund, or another form of compensation.
• Debtor/Creditor: This area of law involves disputes between debtors (people who owe money) and creditors (people or entities to whom money is owed). Examples of issues that may arise include debt collection, creditor harassment, bankruptcy, and foreclosure.
• Product Liability: This area of law deals with cases in which a product is defective and causes harm to the user. This may be due to a manufacturing defect, a design defect, or a failure to provide adequate warnings or instructions.
• Truth in Lending: This law requires lenders to disclose the terms and conditions of a loan or credit agreement to the borrower in a clear and understandable manner. This includes information about interest rates, fees, and other charges.
• Fair Debt Collections Practices Act (FDCPA): This law provides protection for consumers who are being harassed or abused by debt collectors. It sets out guidelines for what debt collectors can and cannot do when attempting to collect a debt.
• Fair Credit Reporting Act (FCRA): This law regulates the collection, use, and dissemination of consumer credit information. It provides consumers with the right to access their credit reports, dispute inaccurate information, and seek damages for violations of the law.
• False Advertising: This area of law deals with cases in which a company makes false or misleading claims about its products or services. This may include deceptive pricing practices, false claims about product benefits, or misleading advertising that induces consumers to make a purchase they otherwise would not have made.