Consumer Law
Luftman, Heck & Associates is committed to defending debtors against lawsuits filed by first and third-party creditors, as well as bringing actions against creditors in violation of the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). As United States citizens, American consumers are afforded rights which protect them against malicious business practices. Our attorneys handle matters which arise as a result of these various consumer protection laws. There are many state and federal laws which provide remedies for consumers in situations where they may have been taken advantage of or treated unfairly. Our attorneys have experience in representing clients in the areas of consumer protection, unfair and deceptive trade practices, abuse of the elderly, damage to credit history or reputation, violation of the Fair Debt Collections Practices Act, Lemon Laws/ Automobile and RV warranty claims and arbitration, and business/corporate compliance with such laws.
In general, Ohio laws aggressively protect consumers who are harmed by unfair or deceptive business practices. Even though a case may seem too small to file a lawsuit, after attorney review, a claim may be pursued as many consumer laws require a company to pay an injured consumer triple damages, plus attorney’s fees and costs, if they are found to be involved in unfair or deceptive business practices. In addition, your claim may result in improved public protection as a deceptive or negligent company can be ordered by the court to stop unfair or deceptive practices, which will prevent further harm to Ohio residents. Although Ohio offers a large array of consumer laws to protect buyers in many situations, some of the most common laws protect against physical and financial injuries involving:
- Automobiles
- Collections/Credit Reporting
- Household Services/Improvements
- Telecommunications
- Professional Services
- Shopping/Apparel/Accessories
- Health & Beauty Services
- Financial Services
- Residential Mortgages
- Computers & Internet
Under most Ohio consumer laws a consumer has the right to cancel a sale (within a specific period of time), receive a monetary refund and/or receive financial compensation for time and trouble experienced.
Luftman, Heck & Associates attorneys provide representation for all types of consumer protection cases including:
- Bankruptcy
- Debt Settlement
- Fair Debt Collection Practices Act claims
- Fair Credit Reporting Act claims
