Consumer Protection

Monmouth County Consumer Protection and Consumer Fraud Attorneys

consumer protectionAre you a victim of consumer fraud in NJ?

Competition is fierce when it comes to winning the attention and the hard-earned money of today’s consumers. Thanks to email and snail mail marketing, telemarketing, and even door-to-door sales, we are bombarded with opportunities to “buy” — constantly. Unfortunately, we have all heard the horror stories about sales people convincing unsuspecting consumers to sign on the dotted line for a product or service. The pitch sounds great and the price sounds better, but their unscrupulous sales tactics and misleading marketing and trade practices may leave the buyer empty-handed or disappointed. If you are the victim of deceptive trade practices of any kind, the New Jersey consumer protection attorneys at Tomes & Hanratty, P.C. will protect your consumer rights. We invite you to request a free, no-obligation consultation today.

Victims of Unfair Sale Practices

If you are the victim of an unfair sale practice, there is no reason to feel embarrassed. You didn’t see it coming because the “system” is designed to intentionally mislead. At one point or another, everyone is exposed to unfair consumer practices. What you may not know is that you don’t have to sit back and take it. Did you know that there are laws prohibiting many of these deceptive practices? Most people don’t. In fact, some retailers, service providers, contractors and other businesses go beyond simple deceptive marketing practices. They are vague on purpose to stretch the truth. When poor marketing tactics turn to deceit, these so-called salespeople may be committing consumer fraud. However, the New Jersey Consumer Fraud Act exists to protect your rights and keep the marketplace fair.

Tomes & Hanratty, P.C. is highly experienced in the area of consumer protection law. Our consumer protection attorneys have seen customers get taken advantage of time and time again. We are committed to fighting on their behalf. We have represented clients who are facing a multitude of legal matters, including:

Class Action

When an individual suffers relatively minor monetary damages, it is not very likely that he or she will pursue a claim against the entity that caused the damage. Companies take advantage of this and often get away with the injuries, problems, and monetary losses they have inflicted upon consumers. There is strength in numbers. A class action claim can send a big message to companies that have sold unsafe products or treated consumers unfairly.

Debt harassment

If it’s not stressful enough that you are deeply in debt, harassing phone calls and email/mail attempts by debt collectors to scare you into paying can make the problem even worse. If you, or someone you know, are being harassed by debt collectors, you should know that there is a law that protects consumers from this kind of abuse. The Fair Debt Collection Practices Act (FDCPA) protects you and others like you who are constantly being bombarded by harassing debt collectors.

Debt settlement fraud

Debt consolidation, debt management, debt counseling, debt settlement and credit counseling companies claim they can help New Jersey residents financial footing by negotiating on their behalf with lenders, creditors, and credit card companies. Typically, a debt relief company will claim that they can negotiate a reduced interest rate on credit cards, remove late fees and penalties, and restructure what is owed into a single, affordable monthly payment. Many of these companies are not legitimate. They are simply taking advantage of unsuspecting customers who are in financial stress and think that non-profits are there to help them.

Home improvement fraud

Whether you have an emergency home repair or have been saving up for a new kitchen remodel, New Jersey homeowners have their choice of contractors willing to take on your home project. These contractors know they are negotiating for your hard-earned money and they are usually willing to play “let’s make a deal”. Most of the time, it all works out and, before long, you and your family are enjoying the beautiful home improvement. However, sometimes, contractors aren’t as forthright as they should be and take more money from you than they should.

Lemon law violations

Not all vehicles are up to standards and it’s not uncommon to drive off a new car lot or more often, a used car lot, with a car, truck or motorcycle that doesn’t perform as promised. That’s where the Lemon Laws comes into play. The Lemon Laws (Federal and New Jersey) exist to protect consumers, like you, when a dealer or vehicle manufacturer refuses to take responsibility for a vehicle that is a lemon.

Mortgage fraud

For most New Jersey residents, there is no bigger investment in life than the purchase of a home. When your home is threatened by predatory lending or mortgage fraud, when you are facing foreclosure because of lenders who failed to disclose escalating interest rates or hidden fees, New Jersey home buyers have every reason to be cautious with mortgage lenders.

Warranty protection

Almost every product you purchase comes with a warranty. Warranties are promises to the buyer that whatever product or service is being purchased will work as it should. When things go wrong, a warranty should take care of the issue at no cost to the consumer. When products or services do not live up to their warranties, you may be able to take legal action.

Contact our Monmouth County law firm today

Unfortunately, the list of consumer rights offenses goes on and on. On a regular basis, retailers refuse to honor the price advertised for a particular item; big-ticket items such as televisions and computers “suddenly” require expensive repairs just after the warranty expires; service providers (house cleaning, lawn mowing, ice/snow removal) and add last-minute charges and fees to their bill.) If you or someone you know, have fallen victim to deceptive trade practices of any kind, the New Jersey consumer protection attorneys at Tomes & Hanratty, P.C. are ready to protect your consumer rights. Contact our law office to schedule a free initial consultation.