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As United States citizens, all American consumers are granted rights which protect them against malicious business practices. As such, there are various laws in place at both state and federal levels which regulate affairs concerning consumers. The Fair Credit Reporting Act, Truth in Lending Act, Fair Credit Billing Act, and Fair Debt Collection Practices Act all serve to protect consumers from a variety of unfair corporate actions such as fraud and deception. If you feel that you have been the victim of an act that violated your consumer rights, an experienced consumer protection lawyer can help uphold your rights.
Consumer Protection Lawyers cover a wide variety of areas including:
At the federal level, the Federal Trade Commission (FTC) is in charge of ensuring that the rights of consumers are not violated. The FTC was established in 1914 through the Federal Trade Commission Act with its central goal being to promote consumer protection and eliminate and prevent anti-competitive business practices. As part of its duties, the FTC investigates issues raised by consumers and businesses regarding several issues including false advertisement and all manners of consumer fraud. The government is aware that consumers are susceptible to being exploited by businesses or scammers and have put in place various safeguards for this reason, however, some people continue to abuse the rights of the consumer.
Additionally, each state has its own set of laws regarding the protection of consumer rights. As a consumer, you should be aware of both your state and federal rights concerning fair business practices. Manipulative practices against consumers can come in a variety of forms including credit card fraud, loan fraud, consumer email fraud, telemarketing fraud, home repair fraud, as well as deceptive marketing and sales ploys. Regardless of the type of consumer rights violation, it is important that you consult with a qualified consumer protection attorney regarding your rights and the best plan of action concerning your particular situation.