How Can The New Jersey Consumer Fraud Act Help Me?

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The New Jersey Consumer Fraud Act is a law, it’s only in the state of New Jersey, that is designed to protect people who buy stuff. When I say people I mean businesses, individual people because the term fraud is probably overused, and the name of the law doesn’t actually describe what it was designed … Continued

What is a Home Improvement Contractor?

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A home improvement contractor in New Jersey is actually defined. Somebody sat down over in Trenton and wrote out a definition for what a home improvement contractor actually is. It’s anybody who does any work for money on your home. Your home is a residential dwelling. If you have somebody come over and say, I … Continued

How Can I Protect Myself From Repair Shop Violations?

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When you go to have your car repaired, the repair shop has to give you a written estimate that you sign and any changes to that estimate have to be in writing. They also have to give you your old parts back if you ask for them. They are required to give you any warranty … Continued

Auto Dealer Violations in New Jersey

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When you go to buy a car, there are certain documents and other information that you’re supposed to be given. It’s not unusual for a buyer of a car to not be given that information. In New Jersey, you are protected by a few different laws; the Consumer Fraud Act, the Lemon Law, and General … Continued

What Do I Need to Know About Debt Settlers?

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A debt settlement company is a company that is going to offer for a fee to settle your debts for you. Credit cards, medical bills, things like that, but here’s the deal. They are going to ask for their fee up front. They may try to work with your creditors, they may not, but you … Continued

What Should I Do If I Have Been Ripped Off by An Auto Dealer?

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Making the decision to purchase a car is an important investment and making that purchase from a trusted auto dealer can help ease some of the stress that is associated. Sometimes, buying a car can go smoothly and you can be on the road within the day. However, in some situations, things don’t go well … Continued

What Can I Do If I Have Been Ripped Off by a Contractor?

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Owning a home is one of the biggest investments that you can make and making improvements to your home can be very expensive. You trust a home improvement contractor to complete what you hired them for in a timely manner and produce quality work. However, sometimes they do not meet your expectations and you end … Continued

Does It Pay to Go to Court Over A Small Amount Of Money?

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Sometimes, a situation will arise in which a person got ripped off by someone they purchased a product or service from. However, they did not pay a lot of money for the product or service so they do not feel as though it is worth going to court over. For some people, $50 is just … Continued

NJCLASS Loans and Collection Tactics

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Tomes & Hanratty, P.C. has been following the news about NJCLASS loans and their collection tactics as well as the refusal to create any sort of rehabilitation or income based repayment plan for these student loans.  There are a lot of questions about if NJCLASS is a government loan, what rights do borrowers have?  We … Continued