Ohio Consumer Law Attorneys
Money and managing finances can often be a sensitive issue. When it comes to your money, you have worked hard and honestly for every dollar that you have earned. No one plans to struggle financially. Sometimes things do not go according to plan, and undue hardships arise. Unfortunately, financial hardship is a common scenario that befalls many Americans. Whether you’re having financial difficulty, being harassed by creditors or looking to settle your debt, there is a solution for your problems and you do not have to continue to face them alone. You are entitled to fair debt collection practices, information and your privacy.
Consumer law consists of federal and state laws that regulate sales and credit practices involving goods and services sold by businesses to individual consumers. These laws specifically deal with deceptive and unfair sales practices, debt collection, settlement and management, bankruptcy, unfair business practices, fraud, loans and foreclosures in addition to other areas involving consumer transactions.
As emotionally trying as a financial crisis can be, debt collectors and creditors often sadly take advantage of debtors through oppressive and abusive tactics. It can be easy to fall victim to unjust treatment, as this kind of behavior is unwarranted and illegal. Debt collectors and agencies are notorious for obnoxious and rude treatment, from using offensive language to using scare tactics. However, other subtle tactics are used as well such as calling at inconvenient times or contacting family, friends or even your employer. Under no circumstances do you deserve to be treated unjustly, threatened into compliance or harassed.
Key Information About Consumer Debt in Ohio
- Bankruptcy — There are several different chapters under bankruptcy law. Learn more here.
- Being Sued by a Creditor — If you are being sued by a creditor, there are many options and defenses to help you avoid default judgement or wage garnishment. Learn more.
- Consumer Credit Counseling — When deciding if you should engage a credit counseling company, you must determine if they are complying with your state’s laws regulating such companies, if the company is reputable, and most importantly, if such a program is right for you. Learn more here.
- Debt Consolidation Loans — There are several advantages and disadvantages when choosing to take out one loan to pay off others. Though a debt consolidation loan could get the right option for you, consulting with an experienced Ohio consumer debt lawyer is always a good step in the right direction.
- Debt Collections — The right Ohio debt lawyer can help you during a debt collection process.
- Debt Management — Debt management can describe consumer credit counseling, debt consolidation loans, debt settlement, and various payment plans that consumers may have to deal with regarding their unsecured debt.
- Debt Settlement — Debt settlement needs to be handled legally and correctly. If properly handled, you could settle your debts for far less than you owe in a shorter amount of time. When looking for debt settlement options, it is important to select an Ohio consumer law attorney to represent you.
- Defenses for a Debt Collection Lawsuit — There are many, possible defenses when you are faced with a lawsuit, but an experienced Ohio debt defense attorney will examine your case and may help you find an option you were not aware existed.
- Foreclosure — This is a legal process when a borrower defaults on a loan from a bank or lender. The foreclosure process is complicated and stressful, but consulting with the right Ohio foreclosure attorney will help you receive the correct guidance and advice as to what your rights and options are.
- How Can I Stop Telemarketer or Collections Calls? — You have certain rights to ask the creditor or collection agency not to contact you by telephone, even if you do actually owe the debt. Learn more.
- How Do I Respond to a Debt Collection Lawsuit? — Every case is unique. A qualified Ohio consumer law attorney can help you respond appropriately to a debt collection lawsuit. Learn your options today.
- Judgments — This is a complex process that a creditor must undertake to collect. During this process a creditor may garnish wages, place a lien on a bank account, or place a lien on or seize an individual’s real property. Often a judgment can be avoided with the help of an Ohio debt attorney.
- Your Rights Against Abusive Debt Collection Practices — Abusive, threatening or misleading debt collection activities are a violation of your rights. Learn more.
Federal Acts to Protect Consumers
- Fair Debt Collection Practices Act (FDCPA) — Passed in 1977, the FDCPA was enacted to stop deceptive and harassing collection tactics frequently known to happen in the debt collection industry.
- Fair Credit Reporting Act (FCRA) — This act was enacted to protect consumers’ in the collection, reporting, access and dissemination of credit reporting information. Learn more about the FCRA and how it affects you.
- Telephone Consumer Protection Act (TCPA) — This federal statute was passed in 1991 to protect consumers from various types of telephone solicitations. Facing telephone harassment? Learn your options.
If you have concerns or questions about a consumer law issue or feel as though you have been a victim of unethical treatment, it is vitally important that you contact our Ohio consumer debt attorneys as soon as possible. They are on your side when it comes to dealing with consumer law issues. Their experienced legal team will be able to provide knowledgeable experience and counsel as well as compassion for your situation.
The Luftman, Heck and Associates’ Ohio consumer law attorneys are here to help you and are committed to fighting for your legal rights and on behalf of your best interests. To receive a free, legal consultation today, call (888) 726-3181.
Proudly serving all of Ohio
Including the following areas:
- New Philadelphia
Getting Debt Help in Ohio
Being sued or harassed by creditors? Get info about your rights from the experienced Ohio consumer law attorneys from LHA. When it comes to your money, you have worked hard and honestly for every dollar that you have earned. Whether you’re having financial difficulty, being harassed by creditors or looking to settle your debt, there are options.
If you have concerns or questions about a consumer law issue or feel as though you have been a victim of unethical treatment, it is vitally important that you contact one of our Ohio consumer law attorneys as soon as possible. They are on your side when it comes to dealing with consumer law related issues. Their experienced legal team will be able to provide knowledgeable experience and counsel as well as compassion for your situation.
Key Information About Consumer Debt in Ohio
- Being Sued by a Creditor
- Consumer Credit Counseling
- Debt Consolidation Loans
- Debt Collections
- Debt Management
- Debt Settlement
- Defenses for a Debt Collection Lawsuit
- How Can I Stop Telemarketer or Collections Calls?
- How Do I Respond to a Debt Collection Lawsuit?
- Your Rights Against Abusive Debt Collection Practices
Federal Acts to Protect Consumers
- Fair Debt Collection Practices Act (FDCPA)
- Fair Credit Reporting Act (FCRA)
- Telephone Consumer Protection Act (TCPA)
No one plans to struggle financially. Sometimes things do not go according to plan, and undue hardships arise. Unfortunately, financial hardship is a common scenario that befalls many Americans. Call the Ohio consumer law attorneys with LHA to receive a free, legal consultation today at (888) 726-3181.