Consumer protection laws are designed to protect consumers from scams and fraud. Consumer protection covers a wide variety of issues related to debt and repayment. The professionals at the Law Offices of Kenechi R. Agu have handled a wide variety of consumer law issues, including:
Credit Repair. Information errors, fraudulent purchases, late payments, delinquencies or outstanding legal judgments against you, can all adversely affect your credit. We can help you formulate a plan for paying down your debt and repairing your credit.
Identity Theft. In today’s digital world, identity theft happens frequently. Someone could steal your identity, and open lines of credit or make fraudulent charges in in your name. This can lead to wrongful collections, meaning creditors come to you for payment of debts you did not incur, but rather those imposed by your imposter. We will work with you and the credit agency to get any fraudulent charges removed from your credit report and will help you take steps to protect yourself and your identity.
Bought a lemon? Under California’s Lemon Law, if you have purchased a motorized vehicle, such as a car, truck, sport utility vehicle, motorcycle, motor home, recreational vehicle, trailer, boat or watercraft vehicle, you may have legal recourse if it proves to be defective. With the proper legal representation, the possible resolutions for this matter include a complete refund for your purchase, a replacement vehicle, a payment for the remaining balance you owe on the vehicle, and/or a civil penalty against the manufacturer of the vehicle.
Oppressive and overbearing debt collectors. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect debtors from overzealous debt collection practices. There are specific guidelines, outlined in the FDCPA that debt collectors must follow. For instance, debt collectors may not call you while you are at work, contact your family or relatives looking for you, or call you after 9 o’clock at night. If a debt collector has done any of these or engaged in similar harassing techniques, you should contact a consumer law attorney as you may be entitled to remedies for their harassment.
Debt settlement. If you have unsecured debts, such as outstanding medical bills or credit card delinquency, a debt settlement could be arranged between you and your creditors. By settling, you agree to pay a reduced amount of the debt in exchange for a lump sum or installment payments. This shows the creditor that you intend to repay your debt and won’t file for bankruptcy.
Debt collection lawsuit defense. When debts become overdue, there is a chance that the creditor will sue you for payment. If a creditor sues you, it is supremely important that you contact a consumer law attorney to help defend you in your debt collection suit.
Bankruptcy. Filing for bankruptcy can sometimes be the financial clean slate that you need to recover from bad financial times. Whether you need to erase your unsecured debts or you are looking to keep your house and car while you pay down your debts, an experienced bankruptcy attorney can help you identify which type of bankruptcy you need and will help you file for it.
Contacting a Los Angeles Consumer Law Attorney
We at the Law Offices of Kenechi R. Agu understand that people go through tough financial times, and that debt can get out of control. When you find yourself in need of debt relief and credit repair, please do not hesitate to contact the lawyers at the Law Offices of Kenechi R. Agu.