An Attorney for Real People
When a corporation, agency, or other unscrupulous party acts unethically, the consequences fall on the consumer. From abusive collection practices, dishonest car dealerships, and perpetrators of identity theft, fraudulent practices can have a profound affect on your finances, safety, and sanity. Fortunately, you have rights and Ayres Law Firm is ready to help you fight for them. We understand the laws and will work diligently to use them to your advantage.
Common sense decisions in making any purchase or hiring a service can only go so far. When it comes to protecting yourself against fraud and abuse, there are a number of laws in place to protect your rights and best interests. These laws not only offer you recourse if you’ve fallen victim to an unscrupulous business practice, but they also hold these abusive companies accountable, helping prevent future issues from happening to others.
The Federal Trade Commission (FTC) regulates a number of important pieces of legislation, such as The Fair Debt Collections Practices Act (FDCPA), The Telephone Consumer Protection Act (TCPA), and The Fair Credit Reporting Act (FCRA). These acts outline the specific provisions and guidelines of how agencies, creditors, lenders, and other corporations should treat consumers. When an entity violates any terms of these acts, consumers may have the right to file a lawsuit for damages.
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I have worked with Tyler and I can say with confidence that he is meticulous, creative, and listens. I would hire him in a heartbeat.S.M.
It is an unfortunate truth that many consumers may not even initially realize they have been taken advantage of and their rights have been violated. If you believe this to be the case, it is important to speak with an attorney as soon as possible. At Ayres Law Firm, we’ll take the time to get to know your situation and explain your legal options.
Be aware of the following warning signs:
- Misrepresentation or dishonest from debt collectors: Not only must a collection agency send you monthly statements if they are charging you interest, but they cannot misrepresent the amount you owe or try to collect on more than you owe. Debt collectors are also not allowed to threaten you, use profane or harassing language, and they are limited in the amount of times they can contact you to collect on your debt.
- Identity theft: This is a criminal offense. Under the TCPA, telemarketers are not allowed to test or call your cell without your permission. When this happens and your identity is stolen as the result of fraud, the abusive party will be subject to large fines and other potential criminal penalties. You may also have legal recourse if a bank opens a fake account in your name or a retail establishment uses your identifying information in an unscrupulous manner.
- Bait and switch, lemons, and other car dealership schemes: When a consumer purchases a vehicle and it is not what was advertised, the dealership may be held accountable. Misrepresenting a car as new when it has a salvage title or was formally used as a rental is a violation of your consumer rights. Dealerships are also not allowed to look at your credit report without your permission.
- Exorbitant medical debts: Many healthcare systems overcharge patients, forcing them to negotiate costs when they should be focused on healing. Insurance companies may also misrepresent their coverage, leaving patients with the bill. When this happens, and your creditor turns to harassing tactics to collect on what is owed, Ayres Law Firm can help.