Tough financial times taking a toll? You deserve a fresh start.
Contact DannLaw today. We'll help you decide if bankruptcy is right for you...
Phones are open 24/7
Cleveland #216-208-5851
Columbus #877-475-8100
Cincinnati #513-951-7124
New Jersey/New York
#201-355-3440
Toll-free for all offices:
877-475-8100
Nosotros hablamos español. Para contactarnos, por favor llame al 877-515-5583 o envíenos un correo electrónico a [email protected]
DannLaw’s highly skilled attorneys use a bountiful “alphabet soup” of federal and state laws that enable us to act as private “attorney generals” who fight for consumers and hold lenders, banks, mortgage servicers, debt collectors and other corporate predators accountable for their misdeeds.
In this capacity we file suit on behalf of consumers, stop foreclosures and other collection activities, and secure justice and substantial financial damages for our clients. Yes, it’s true, the cases are often complicated and our adversaries formidable and well-heeled, but the hundreds of victories we’ve achieved in and out of court clearly demonstrate how effective these legal tools can be in the hands of attorneys who know how to use them.
These are just some of the most common situations where bankruptcy can be the best choice available. It is also important to understand the difference between the two primary types, as they afford you different options.
The Act’s rigid guidelines govern every aspect of mortgage loan servicing after origination including the loan modification process. It prohibits dual tracking, which occurs when servicers foreclose on a home while a loan modification is being reviewed, requires servicers to provide homeowners and their attorneys with detailed information upon request, and establishes specific methods for resolving disputes. Servicers are subject to statutory damages of up to $2,000 per violation of the law’s provisions and may be liable for attorney’s fees and court costs.
Because successful suits can generate six-figure settlements, RESPA makes it economically feasible for attorneys who practice consumer law to take on and pursue difficult cases against well-heeled banks and mortgage companies and the “tall building” law firms that represent them. Despite the complicated nature of the cases and the time it takes to prepare and litigate them, we decided to focus on this area of practice for two reasons: first because the Act provides an effective way to help people save their homes and rebuild their lives and, second, because the financial costs violators incur may deter future abuses.
Over the past two years, the DannLaw has become a national leader in RESPA litigation. We conduct seminars and training sessions on the law and are currently serving as co-counsel with outstanding law firms that have filed RESPA actions in federal courts across the nation. We firmly believe this area of the law will expand in the years ahead as more homeowners and attorneys become aware of its potential for securing justice and just financial settlements for borrowers who have been abused.
The Act requires financial institutions and companies that facilitate electronic fund transfers to provide consumers with the following:
A notice about the fees that may be charged for using a third-party ATM.
The EFTA is administered by the Federal Deposit Insurance Corporation but consumers do have a private cause of action under the Act. Institutions that violate the EFTA may be liable for actual damages, statutory damages of up to $1,000.00, along with reasonable attorney’s fees and costs.
ECOA makes it unlawful for any creditor to discriminate against any applicant for any credit transaction on the basis of race, color, religion, national original, sex, marital status, age, because an applicant’s income is derived in any part from a public assistance program, or because an applicant exercised their rights under the Consumer Credit Protection Act/Truth in Lending Act. Any entity that regularly makes credit decisions: banks, retailers, bankcard companies, finance companies, and credit unions are covered by the act. ECOA liability has not, however, been expanded to include mortgage loan modifications.
The Act is a powerful tool for consumers because civil penalties can include $10,000.00 in punitive damages, actual damages as well as attorney’s fees.
Because the Supreme Court has yet to define many aspects of the FDCPA, its impact and application varies across the nation. For example, within the Sixth Circuit Court of Appeals’ jurisdiction which includes Ohio, Michigan, Kentucky, and Tennessee, consumers may only be awarded one statutory damage recovery regardless of how many times a debt collector violated the Act.
While the Act has not completely evolved to keep pace with the seismic shift away from the use of landlines to cell phones, thanks to guidance issued by the Federal Communications Commission in 2016 the TCPA now applies to cell phones if an affected consumer does not have a landline. Under the guidance, debt collectors may not call a cell phone unless the owner gives consent. That means it’s important for consumers to deny consent verbally during the initial call and then to immediately withdraw consent in writing.
Statutory damages under TCPA range from $500.00 to $1,500.00 per call and may be applied to each and every call made if it is found that a debt collector willfully violated the Act. The ability to “stack” damages serves as an effective deterrent and provides just compensation for consumers who have been victimized by aggressive debt collectors who willfully violate the law.
Lenders that violate TILA are subject to statutory damages, actual damages, and may be forced to pay court costs and plaintiff’s attorney’s fees. Because the Act covers a broad spectrum of issues in very specific ways, consumers, as well as lawyers who do not regularly practice this type of law, should consult with DannLaw’s highly experienced attorneys before pursuing claims.
The CFA also permits victims to recover attorneys’ fees. This fee-shifting feature of the law enables us to cases on a contingency fee basis. That means in most situations we don not charge an up-front fee—DannLaw will only get paid if we win or settle a client’s case. And of course, there is never a charge for an initial consultation with one of our highly experienced consumer protection attorneys. To schedule a consultation click here.
The specific areas of our New Jersey consumer-fraud practice include:
For specific information about Lemon Law claims click here.
Fortunately, New Jersey law affords many protections to homeowners against contractor misconduct. All home improvement contractors must be licensed with the state, and their licensing information must be printed on their contracts and all other documents and signs they use.
All home improvement contracts over $500 must be in writing and must allow the homeowner to cancel the contract within 3 days. The contract must also include all of the details of the job, including the beginning and end date, a description of the materials to be used and the work to be performed. If the job is delayed, the contractor must notify the homeowner of the reason for the delay and provide new timeframes for the job in writing. The contractor may not accept final payment until the job is finished and passes inspection. If your contractor failed to follow these laws and caused you to suffer damages, you may be entitled to relief.
Under the laws of most states, most products automatically come with two implied warranties: the warranty of merchantability and the warranty of fitness for a particular purpose. These warranties are designed to ensure that when you buy a product, it does what it was designed and marketed to do. For example, a cell phone that was too fragile and broke during normal use would violate these warranties. DannLaw represents victims of warranty fraud, including fraudulent denial of warranty claims for vehicles, electronics, and other products.
Cleveland, Ohio 44107
Phone:
216-294-3226
Phone:
877-475-8100
Milford, Ohio 45150
Phone:
513-951-7124
Suite 101
North Brunswick, NJ 08902
Phone:
201-355-3440
Phone:
15000 Madison Avenue
Cleveland, Ohio 44107
Phone: 216-294-3226
or toll-free 877-475-8100
25 North Street
Dublin, Ohio 43017
Toll-free: 877-475-8100
220 Mill Street
Milford, Ohio 45150
Office hours by appointment
in Hyde Park & Mason
Phone: 513-951-7124
or toll-free 877-475-8100
1520 Highway 130, Suite 101
North Brunswick, New Jersey 08902
Phone: 201-355-3440
or toll-free 877-475-8100
26100 Town Centre Drive
Foothill Ranch, CA 92610
Phone: 213-320-5706
or toll-free 877-475-8100