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Consumer Protection

Serving Los Angeles, Riverside, Ventura, San Bernardino Counties & Nearby Areas of California

What Are Some Unlawful Debt Collection Tactics?

Debt collectors have been known to employ illegal debt collection tactics in order to get consumers to pay. Sometimes, they try to collect a debt that may not even be yours due to identity theft. Learn more about unlawful debt collection tactics from our California attorney, Howard Silver, in the video above.

If you have questions about unlawful debt collection or believe you may be a victim of identify theft, please call our attorney in Oak Park today at (855) 341-2611 for a FREE consultation. The Law Office of Howard D. Silver serves clients in Los Angeles, Riverside, Ventura and San Bernardino, California. 

Posted Date: 
Tuesday, March 7, 2017

What is Consumer Fraud?

Consumer Fraud occurs, for example, when you purchase a vehicle and the salesperson tells you it’s in perfect, working order, but in actuality, it has a defect or doesn’t work the way the seller said it would. This violation of your consumer rights can happen with any product you purchase that doesn’t work the way you were told, or you were not notified of its defect. Learn more about consumer fraud from our attorney in California, Howard Silver, in the video above.

If you have questions or believe you've been the victim of consumer fraud, please call our attorney in Oak Park today at (855) 341-2611 for a FREE consultation. The Law Office of Howard D. Silver serves clients in Los Angeles, Riverside and all of California.

 

Posted Date: 
Thursday, March 2, 2017

What is the California ‘Lemon Law’?

When you purchase a product, you expect it to live up to the warranty and for any defects to be addressed by the manufacturer. Technically, the California Lemon Law applies only to motor vehicles. However, you have the same protection as a consumer when you buy a product such as a boat, RV or even a computer. Learn more about types of lemon law in California from our consumer rights attorney, Howard Silver, in the video above.  

If you have questions about lemon law, please contact The Law Office of Howard D. Silver in Oak Park at (855) 341-2611 for a FREE consultation. Our lawyer serves clients throughout California including the Los Angeles, Riverside, Ventura and San Bernardino counties. 

Posted Date: 
Monday, February 27, 2017

Is It Important to Hire a Consumer Protection Lawyer?

If you’ve purchased something that was fraudulently manufactured, marketed, or sold, you may have been the victim of consumer fraud. In this video, our lawyer explains how a consumer protection lawyer can help you get compensation for such a fraudulent purchase:

 

To schedule a consultation with Mr. Silver, please contact us for free at (855) 341-2611. We are proud to serve clients in San Bernardino, Los Angeles, Ventura, and other parts of California.

Posted Date: 
Friday, January 27, 2017

What is the Fair Debt Collection Practices Act?

If you have a debt, you may find yourself being harassed by a debt collection agency. These practices are illegal and protected against the Fair Debt Collection Practices Act (FDCPA) which ensures that debt collectors can’t harass you or treat your unfairly. Find out more about how the FDCPA protects you in this video from our attorney, Howard D. Silver:

 

To schedule a free consultation with Mr. Silver, please call us at (855) 341-2611. Our lawyers helps members of the Los Angeles community and nearby.

Posted Date: 
Monday, January 23, 2017

Are You Being Illegally Hassled by Debt Collectors?

Debt Collection Harassment | LA LawyersJust because you have an outstanding debt does not mean that debt collection agencies are allowed the full gamut of tactics to try to get you to pay. In fact, there are several regulations about what debt collectors can and cannot do with regard to communicating with you.

When you have a debt that is legally documented, it is now covered under the Fair Debt Collection Practices Act (FDCPA). The FDCPA regulates the ways in which a debt collector is allowed to reach you and, when they violate the requirement, they can be held legally liable for such actions.

Under the FDCPA, the following practices are illegal for debt collectors to commit:

  • Harass or abuse you
  • Use any threats against you or your family
  • Repeated and consistent phone calls
  • Making false statements including claiming the penalties that can be imposed upon you, how high the interest will be, that they’ll publish your information publicly, etc.
  • Threaten you with arrests or that your money or property will be seized or garnished
  • Send documentation that isn’t official
  • Use a false name

Contact Our Attorney for Help

If you have been badgered by a debt collection agency, our lawyer, Howard D. Silver, can help. He can represent you and help you restore your credit rating, get your debts paid for, and seek compensation if you’ve been the victim of unfair debt collection practices. Contact The Law Office of Mr. Silver today by calling (855) 341-2611. We serve clients in Los Angeles, Ventura, Riverside, San Bernardino County, and the surrounding parts of California.

Posted Date: 
Monday, January 16, 2017

Video - Protecting Yourself Against Consumer Fraud

 Consumer fraud occurs whenever you make a purchase without having all of the required knowledge for that purchase. This can occur because you weren’t given the exact cost in the contract or not given the proper information about the warranty, but any time that a seller or manufacturer withholds information from you, it is considered consumer fraud.

In this video, our attorney, Howard D. Silver, explains what consumer fraud is and the best ways to avoid falling victim to it:

 

For help with a consumer fraud case, please contact our experienced attorney by calling (855) 341-2611. Mr. Silver proudly serves clients in Los Angeles and all of California. Call today for your free consultation.

Posted Date: 
Friday, July 22, 2016

Westgate Resorts Hoping Their Case to be Overturned by Supreme Court

Westgate Resorts was found guilty of consumer fraud in a lawsuit in April and are now hoping that the U.S. Supreme Court will review the lawsuit with the hopes that it will be overturned. Westgate Resort is a timeshare company that was sued for allegedly not providing accurate information to timeshare purchasers.

In the case, timeshare purchasers claimed that they were told they'd receive multiple benefits after purchasing their timeshare and those benefits were falsified. They also alleged that they were given information that was outdated and inaccurate.

The lawsuit was tried in Tennessee and the judge ruled in favor of the purchasers saying that Westgate Resorts "engaged in intentional and fraudulent conduct." The purchasers were awarded $500,000. Westgate Resorts is concerned that this lawsuit will spur multiple more lawsuits which is why they're hoping the Supreme Court reverse the decision.

When a company sells a product or service fraudulently, you have rights. Contact our Los Angeles consumer fraud attorney for help with your case. Our attorney, Howard D. Silver, can help you determine if you have recourse to file a lawsuit and can help you get compensated for your financial losses and suffering. Call us today at (855) 341-2611.

Posted Date: 
Friday, September 18, 2015

GM May Face Federal and State Criminal Fraud Charges

State and federal prosecutors are currently working to build criminal fraud cases against General Motors (GM) due to their actions in handling the ignition switch defects that have been linked to at least 54 car accidents and 13 deaths. While the federal charges mainly focus on mail and wire fraud charges, the state cases are seeking to demonstrate that the auto manufacturer violated consumer protection laws.

Currently, federal prosecutors are investigating potentially misleading statements made by GM regarding the ignition switch defects that led to a recall of millions of vehicles earlier this year. In particular, they are seeking to prove that GM officials were aware of this serious defect when they informed regulators that they had addressed the issue. Additionally, prosecutors are looking into the statements and instructions released to consumers regarding how to handle a vehicle that had lost power from the ignition switch defect.

Investigators have already released reports detailing incidents dating back nearly a decade, such as a 2005 notice to dealers, which instructed them to tell customers to remove unimportant items from key chains. GM officials consciously chose to remove the word "stall" from the notice out of fears that it would cause safety concerns among consumers. In 2007, GM officials told the NHTSA that there was "no specific problem pattern" in a series of car accidents the company already knew were associated with ignition switch defects.

If federal prosecutors move forward with a criminal case, they likely will seek to hold GM accountable for incidents occurring prior to the auto manufacturer's resolution of bankruptcy proceedings in 2009. Bankruptcy protections will not absolve GM from liability in a consumer fraud case.

Currently, at least 12 states have launched investigations into GM's activities. State investigations have been focusing more on whether GM violated state consumer fraud laws. In particular, they are being investigated for potentially committing unfair and deceptive practices such as product misrepresentation and failure to disclose a known defect to the general public.

Howard D. Silver is a Los Angeles consumer protection lawyer with more than 25 years of experience. If you have been injured in an accident caused by one of these defective GM vehicles, Mr. Silver will fight aggressively to ensure your rights are protected every step of the way.

Please contact the Law Office of Howard D. Silver today to schedule your free consumer fraud consultation. Mr. Silver serves clients in Los Angeles, Riverside, Ventura, and San Bernadino Counties, and throughout California.

Posted Date: 
Thursday, July 17, 2014

Consumer Financial Protection Bureau to Target Private Firms Committing Debt Collector Harassment

In a recent statement released by Consumer Financial Protection Bureau (CFPB) Director Richard Cordray, he announced the agency will begin to shift their focus away from the banking industry and instead start targeting private firms which violate the fair debt collection regulations established by the Dodd-Frank Act.

"For the first time at the federal level, nonbank financial institutions are subject to supervisory oversight that holds them accountable for how they treat consumers," Cordray said in his statement.

This shift in focus has been brought about due to the rampant debt collector harassment being committed by nonbank institutions across the country. Common illegal debt collection practices used by many of these organizations include:

  • Making excessive calls to consumers outside of the mandated 8 am to 9 pm calling window
  • Calling consumers at their place of business
  • Visiting consumers at their workplace to collect a debt
  • Threatening consumers with a lawsuit solely for the purpose of intimidation
  • Threatening consumers with arrest and jail time for failure to pay a debt

By law, debt collection agencies are required to verify the existence of a debt before commencing debt collection proceedings. Many of these organizations fail to take this important step, resulting in consumers being harassed for debts that they have already paid and sometimes even for debts which they do not rightfully owe.

If you've been a victim of debt collector harassment, you have rights. Howard D. Silver is a consumer protection lawyer with more than 25 years of experience handling debt collector harassment cases. He can help you file a lawsuit in order to stop this harassment and recover compensation for your damages.

Please contact the Law Office of Howard D. Silver today to schedule a free debt collector harassment consultation. Mr. Silver serves clients in Los Angeles, Riverside, San Bernadino and Ventura Counties, and throughout California.

Posted Date: 
Friday, June 13, 2014

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