Have you ever felt like the system is rigged against you? Did a company take advantage of your good nature or ignorance to give you the short end of the stick? Kane County consumer rights attorneys at the Bach Law Offices, Inc can help you find out if they broke the law and help you hold them accountable.
Sometimes, it can feel like the system is only built for big companies and lenders, and the law is bent to their purpose and serves only their interests. If you have been taken advantage of, been the victim of practices that seem dodgy or outright wrong, you might feel like you have no leverage to exact justice or recover what they took from you.
You could not be more wrong.
In Kane County and throughout the greater Chicago area, everyday consumers just like you can turn to consumer protection law and litigation lawyers at the Back Law Offices for guidance. If you have been deceived by a creditor, treated unfairly by a credit reporting agency, or been taken advantage of by a banker who offered a mortgage whose terms you never really understood, we can help you claim justice and compensation.
No matter what some justices might say, companies are not people, and one of the clearest ways this is demonstrated is in how callously organizations like companies will sometimes treat the very people they are supposed to be helping. Over the decades, the country has seen every manner of unfair, misleading, or downright practices by companies trying to squeeze extra cash out of each client.
To prevent these abuses, numerous laws have been passed (most often at the federal level, but Illinois has some at the state level) to protect the ordinary everyday folks. These are collectively known as consumer law or consumer protection laws.
While new laws are always needed to keep up with dubious practices, once they are in place, they provide clear rules over what companies can do in various sectors, from real estate to banking. And when the rules are broken, these laws provide mechanisms for fixing the harm they caused or recovering damages to cover the costs of their misbehavior.
Unfortunately, you will most likely still need a lawyer to do so, as while they have been built to protect ordinary consumers, the laws are complex, and big companies may not make it easy. But at least with a skilled lawyer on your side, you can make the law work for you for once, and maybe even recover what you lost.
Consumer laws come in a variety of forms and are suited for different sectors, industries, and situations, all of which are relevant in Kane County. Here at the Bach Law Offices, Inc we have experience advising clients on a broad number of claims, including under all of the following examples of consumer rights protection laws:
To spare debtors unfair harassment by creditors, the U.S. protects you from certain practices by those to whom you owe money. This law, the Fair Debt Collection Practices Act (FDCPA), protects against dishonesty and harassment, as well as actual criminal behavior.
For example, if you have been the victim of a creditor or debt collection agency doing any of the following:
Then they may have broken the Fair Debt Collection Practices Act, and a consumer law attorney may be able to help you. We can certainly get them to stop, and might even be able to get you financial compensation for any harm caused.
Another area where we see a lot of misbehavior, as Kane County consumer rights lawyers who also handle a fair number of bankruptcies, is credit reporting. So much of our financial lives and health depends on our credit score; it can be infuriating and harmful when creditors or reporting agencies make “mistakes” that cost you precious credit.
The Fair Credit Reporting Act is the consumer law that governs their behavior, and it forces them to:
If they do not, a consumer law lawyer can step in to force them to comply with the FCRA, and you may even be eligible for compensation if their “errors” caused you any losses or harm.
Company dishonesty and misrepresentation are particularly painful when applied to the biggest purchases you ever make: real estate. To help deal with such complex transactions for property purchases and mortgages, the Real Estate Settlement Procedures Act was created to impose transparency and accountability rules.
The RESPA applies to everyone involved in real estate transactions and closings, from real estate agents and brokers to home inspectors and appraisers, including mortgage, warranty, and title companies, as well as the banks, of course.
If they collude or dissimulate anything to increase the fees you have to pay, or fail to provide sufficiently transparent reports and evidence about the conditions of the purchase and property, they may have broken the law. At that point, you may be able to make a claim against them for the costs and harm you endured as a result with the help of a consumer law attorney.
Bach Law Offices, Inc | Real advocates who care about your rights.
If you feel you have been taken advantage of by a company with greater knowledge, power, or leverage over you, even if it does not fall into one of the three examples above, chances are your rights as a consumer may have been trampled on.
When that happens in Kane County, you can count on the consumer law attorneys of the Bach Law Offices, Inc to have your back, hold the culprits accountable, and help you claim compensation for the harm caused.
To find out if your consumer rights have been violated, call
(847) 440-5998 or reach out online to set up a consultation with lawyers who care.
