Consumer Protection Claims
When you buy a product, sign up for a service, or enter into a financial transaction, you have the right to expect that the company you are dealing with is being honest and fair. Federal and state consumer protection laws exist to make sure businesses do not take advantage of their customers through deceptive advertising, hidden fees, fraudulent schemes, dangerous products, or abusive collection practices. When companies break these rules, consumers have the right to fight back and seek compensation for the harm they suffered.
At Justly Prudent, we represent individuals who have been cheated, deceived, or harmed by unfair business practices. We understand that going up against a large company can feel intimidating, especially when you are already dealing with financial loss or personal harm. That is why we work hard to level the playing field, using federal and state consumer protection laws to hold businesses accountable and help our clients recover the compensation they deserve. We serve clients in Maryland, the District of Columbia, Virginia, Florida, and Massachusetts.
Contact us to discuss your specific situation and legal needs.
Consumer Protection Practice Areas
Unfair & Deceptive Trade Practices
Unfair and deceptive trade practices laws (sometimes called "UDAP" laws) prohibit businesses from using misleading, fraudulent, or unfair practices in the sale of goods and services. These practices can include making false claims about a product's quality or features, using bait-and-switch tactics, hiding important information from customers, charging for services that were not requested, or engaging in high-pressure sales tactics that take advantage of vulnerable consumers. Every state has its own consumer protection statute that addresses unfair and deceptive practices, and many of these laws allow consumers to recover not only their actual financial losses but also additional penalties and attorney's fees. Our firm helps consumers who have been victimized by unfair and deceptive business practices seek full compensation under applicable law. Contact us to discuss your specific situation and legal needs.
False Advertising
When a company makes false or misleading claims about its products or services (whether in television commercials, online advertisements, product labels, or marketing materials), consumers who rely on those claims and are harmed as a result may have a legal claim for false advertising. False advertising can include exaggerated performance claims, misleading pricing, fabricated endorsements or testimonials, and failure to disclose important product information. Our legal professionals assist consumers who have been misled by false advertising and work to hold companies accountable for the harm caused by their dishonest marketing practices. Contact us to discuss your specific situation and legal needs.
Debt Collection Harassment
The Fair Debt Collection Practices Act (FDCPA) and similar state laws set strict rules about how debt collectors may communicate with consumers. Debt collectors are prohibited from using abusive or threatening language, calling at unreasonable hours, contacting consumers at their workplace after being asked to stop, misrepresenting the amount or status of a debt, and using other unfair or deceptive collection tactics. When debt collectors violate these rules, consumers have the right to sue for damages. Our legal professionals assist individuals who have been subjected to harassment, threats, or deception by debt collectors and work to hold these companies accountable. Contact us to discuss your specific debt collection harassment matter with a knowledgeable legal representative.
Warranty Violations
When you purchase a product, it typically comes with warranties. These are generally either express warranties made by the manufacturer or seller, or implied warranties that are automatically provided by law. When a product fails to meet the promises made in a warranty and the manufacturer or seller refuses to honor the warranty by repairing, replacing, or refunding the product, consumers may have a legal claim for breach of warranty. The Magnuson-Moss Warranty Act and state warranty laws provide consumers with the right to enforce warranty protections and recover damages when companies fail to stand behind their products. Our firm represents consumers in warranty disputes and works to ensure that companies honor their obligations. Contact us to speak with a knowledgeable legal representative about your warranty issue.
Defective Products & Product Liability
When a product is defective and causes injury or financial harm to a consumer, the manufacturer, distributor, or retailer may be held responsible under product liability law. Consumer protection claims related to defective products can address situations where a company sold a product it knew was dangerous, failed to issue a recall when safety issues were discovered, or made misleading claims about a product's safety or effectiveness. Our legal professionals help consumers who have been harmed by dangerous or defective products pursue compensation and hold companies accountable. Contact us today to discuss your specific situation and legal needs.
Predatory Lending Practices
Predatory lending occurs when a lender uses unfair, deceptive, or abusive practices to push borrowers into loans with unreasonable terms. These terms may include extremely high interest rates, hidden fees, unnecessary add-on products, or loan terms that the borrower clearly cannot afford. Predatory lending disproportionately affects low-income communities and communities of color, and it can lead to financial devastation, including foreclosure, bankruptcy, and long-term debt. Federal laws such as the Truth in Lending Act (TILA) and the Equal Credit Opportunity Act, along with state lending regulations, provide protections against predatory practices. Our firm represents borrowers who have been harmed by predatory lenders and works to recover damages and void unfair loan terms. Contact us today to discuss your specific predatory lending issue.