If you or someone you love were harmed by deceitful, misleading, or negligent business practices, there are a number of consumer protection laws that can come into play. Both federal, New Hampshire, and Massachusetts governments have guidelines that businesses must follow to reduce risk and eliminate potential harm to consumers.
You have the right to bring forward legal action if you or a family member were injured or suffered damages due to unlawful or deceitful business practices.
Consumer protection actions are lawsuits made against companies whose product or service has injured or caused harm to customers. They also include claims against landlords, debt collectors, and insurance companies for deceitful practices.
These actions aim to cease illegal or negligent business practices and compensate victims who have suffered physical and financial damages as a result.
There are many restrictions on what businesses can and cannot do when designing, manufacturing, advertising, or selling their products or services. Some industries have stricter regulations than others. There are also restrictions on how real estate, insurance, and debt collection organizations can conduct their businesses. These are regulated by the U.S. Bureau of Consumer Protection, under the Federal Trade Commission.
Consumers in the United States have legal protection against:
Companies may not use false or misleading advertising in print, on television, in social media, or elsewhere to promote their products or services. Information used in the marketing of the product or service must be accurate and may not make incorrect or erroneous statements.
Insurance companies have an obligation to investigate claims from a neutral standpoint, objectively analyzing the facts to determine if an insured is eligible for a settlement. However, because insurance companies make more money by denying claims than approving them, some will act in bad faith to avoid paying out a settlement.
For example, insurance companies are prohibited from causing unreasonable delays in the review and processing of your claim, as well as from denying your claim without cause.
The Fair Debt Collection Practices Act was enacted in 1977 and provides consumers with protection against predatory collections activities.
Under this law, debt collectors or creditors may not harass you, lie to you, call you without stating their identity, or engage in any other predatory behavior to force you into paying the debt. It’s important to be aware of your rights as a creditor and what you can do to take action against debt collectors who may be harassing or otherwise harming you.
Under the Fair Housing Act, discrimination in the rental or sale of residential homes due to a person’s race, skin color, national origin, familial status, gender, religion, or disability is strictly prohibited. Very few types of housing are exempt, like homes rented out by the owner without the use of a real estate or rental agency.
The Act prohibits members of the above protected classes from discrimination in the form of:
Mortgage lenders also may not refuse to provide loan information to someone due to their race, gender, disability, etc., or deny financing to a person in a protected class who would otherwise qualify for the mortgage.
The regulations against deceitful, unlawful, or predatory business practices are in place to protect consumers from the harm that can occur when companies don’t abide by these guidelines.
Consumers can quickly become disadvantaged by deceptive companies, losing time and money when the product or service they believe they are getting turns out to be different than they expected.
Families can lose hundreds of thousands of dollars, or even be left without a home. In some cases, negligent business practices can cause the injury or wrongful death of another person.
If you feel that you may have been the victim of deceitful, unfair, or illegal business practices and have suffered damages as a result, you may be able to take legal action.
Mazow | McCullough, PC has fought for justice for families for years in severe injury cases. Together, we’ve helped our clients win millions in settlements and have a proven track record of success working difficult cases where the client was at the disadvantage.
We’re experienced in helping our clients identify deceptive or illegal practices and holding companies responsible for damages they cause as a result. We have the skills and expertise to represent consumers who have been harmed by the negligent or unscrupulous activities of a business.
We can assist you in determining if your case falls under consumer protection action and give you information about your rights and what legal options are available to you. Contact us today for your initial consultation locally at (978) 744-8000 or toll free at (855) 693-9084.