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Currently Browsing:Consumer Protection & Debt Harassment

Federal Fair Debt Collection Practices Act

Have you ever received annoying and persistent calls from credit collection agencies about certain debts that you may or may not owe or that you are trying to pay off? You do have rights when it comes to how these creditors and collection agencies operate. The Fair Debt Collection Practices Act (FDCPA), found under 15 […]

What is the Magnuson-Moss Warranty Act of 1975 and Why it is Powerful for Consumers

Consumers are often victims of fraud or misrepresentation in the quality of consumer (personal, family or household) goods and in how they are intended to perform. To protect consumers, federal legislators passed the Magnuson-Moss Warranty Act (Act) in 1975. Warranties are promises by sellers that the material or workmanship is defect free or meets a […]

I Think My Car Is A Lemon. Now What? West Virginia’s Lemon Law Reviewed

As part of our consumer practice, we often take calls about defective motor vehicles. Most people refer to their cars as lemons. But what does West Virginia’s lemon law say about defective motor vehicles and when are they actually “lemons” under the law? West Virginia Code 46A-6A-1 et seq. is the applicable state law section(s) […]

5 Common Questions About Debt Collectors

As part of our law practice, we represent consumers against creditors for illegal or abusive conduct. The West Virginia Consumer Credit and Protection Act along with the Fair Debt Collection Practices Act prohibit abusive debt collection by creditors. The term “creditor” is a broad term that basically includes any person or entity to which you […]

A Big Win For Consumers! Campbell-Ewald v. Gomez, Opinion No. 14-857

With Justice Ginsberg delivering the Opinion, consumers walk away with a decisive victory. For those that practice class actions, you have probably fell victim to or at a minimum had to brief the pants off of the Defenses “pick-off” move. In an effort not to oversimplify the “pick-off” move, it is basically occurs before the class […]

Credit Discrimination- Still present and Still Unfair

In a perfect world, everyone would abide by the rules in place, and discrimination of any kind would be a thing of the past.  We all know all too well that this is far from our reality.  One area where discrimination can really impact lives is that of credit discrimination.  What do we mean when […]

Have Debt? That doesn’t mean you deserve abuse.

Feeling stressed over money issues? Behind on your bills?  None of that means that you deserve to be subjected to abuse.  Debt collectors must abide by certain rules and regulations when attempting to collect money.  However, not all play fair, and it helps to know your rights.  The Fair Debt Collection Practices Act, known as […]

WV Consumer Credit and Protetion Act – Credit Debt Collector calls

Most people know that if they decide to use credit cards or some other form of credit to purchase consumer goods (TV’s, cameras, cars, electronics, bikes, etc.) then they are well aware they will be charged interest. But the West Virginia Consumer Credit and Protection Act also covers medical debt. Have you found yourself with […]