What is Consumer Law?

There are federal and state laws which exist to protect consumers against mistreatment by companies in credit-related situations. Some of the major areas addressed by these laws include credit reporting, debt collection, credit card accounts, mortgages, foreclosures and identity theft. Most of these laws provide specific guidelines as to what corporations can and cannot do. Most of these laws provide you the right to sue for damages when your rights have been violated and to force the violator to pay attorneys fees. Knowing your consumer rights gives you a powerful tool for solving problems commonly faced by Alabama consumers, including the following:

• fraudulent information reported on your credit report
• harassment or other illegal actions by debt collectors
• suits filed by debt collectors on debt you do not owe
• mortgage companies that lose payments, fail to properly credit payments, fail to pay taxes or insurance or make other mistakes in servicing your mortgage
• wrongful foreclosure
• unauthorized charges on your credit card account
• purchase of a new defective vehicle
• identity theft

The existing consumer laws provide specific rights and remedies for each of these problems, and many others. These rights and remedies are often overlooked by consumers and lawyers not familiar with them. This can result in consumers assuming that drastic measures, like bankruptcy, are the only way out of these problems, when in fact the problem could have solved by exercising the existing consumer rights.

The purpose of this site is to provide helpful information explaining what your rights are and how they can help you in these and other situations. This site also provides a way for you to contact an Alabama consumer lawyer for a free consultation regarding your particular situation.

To find out more about your rights or to contact a consumer lawyer for a free consultation, call 1-877-432-9212 or email Kenneth J. Riemer, Attorney at Law.