Don't let creditors steal your fresh start! Reporting or attempting to collect discharged debts is illegal.
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NCBLC - National Consumer Bankruptcy Litigation Center
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O. Max Gardner III
Business North
Carolina has named O. Max Gardner III one of the top bankruptcy lawyers in North Carolina for three consecutive years. He was also selected by Law & Politics and Charlotte Magazine as one of North Carolina's "Super Bankruptcy Lawyers" in 2006, and will be so named again in 2007.
State Consumer Protection Laws
Every state offers its own protections to consumers living and doing business in that state. Often, these protections parallel the federal protections, but in some cases the state laws afford more extensive protection to consumers or provide additional remedies. For instance, every state offers some type of "lemon law", a law designed to protect consumers who have purchased faulty motor vehicles.
In most states, the Attorney General's office or another agency charged with enforcing consumer protection statutes offers extensive information about your rights online or through free publications.
Whether you're facing predatory lending issues, have been misled about the terms of a loan, or simply hoping to obtain a free copy of your credit report so that you can challenge any inaccuracies under the Fair Credit Reporting Act, your state may have laws that supplement the federal provisions. State agencies, while they generally do not represent individuals in claims under these consumer protection statutes, can provide information, take complaints, and investigate companies whose business practices appear to be dishonest or to otherwise violate the law.
You can find out which state office or agency has authority to investigate and prosecute consumer protection statutes at the Consumer Action Website. You can also contact your state Attorney General's office for consumer protection information. Many of these offices provide easy-to-use online complaint forms where you can instantly submit information about the violations to the appropriate agency.
In addition, many state consumer protection statutes allow for a private cause of action. That means that you may be able to sue the company in question and recover damages for their violations. In some cases, the law even requires the company to pay your attorney fees if you prove your claim.
Unfortunately, many consumers never fight back when companies act illegally because they don't understand their rights. If you've been misled or denied your legal rights, you do have options. If your post-bankruptcy right to a fresh start has been impacted by collection efforts or credit reporting, NCBLC can help--fill out our free case evaluation form right now! Otherwise, contact the consumer protection agency in your state or an attorney who handles consumer protection issues in your area and find out how you can fight back!
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