Today, there are 30.2 million small businesses in the United States. Even if they follow all of the rules for signing up as a business, it doesn’t mean that their ethics will be up to speed.

What do you do when you experience malicious business tactics and who can help? A consumer law attorney can protect those when it comes to business dealings. Read on to explore how a consumer law attorney can help you out and get the help that you deserve today.

What Is Consumer Law?

Consumer law by companies such as is about consumer protection. When you buy services or products, you’re protected by different consumer laws. They prevent sellers from using dishonest tactics to sell you items.

There are laws at both the federal and state level. They handle any false advertising, unfair debt collection, and unsafe products.

If you experience this, you can receive legal assistance. This can include having your identity stolen, hidden defects, or an injury from unsafe products.

Since consumer protection keeps changing, it’s possible that businesses don’t stay up-to-date with the different changes. If you file a complaint with a company and don’t receive full satisfaction, you can look into filing a complaint with the federal or regulatory agency.

A lawyer with business law experience will know which direction that you can take. They’ll be able to tell you whether you have a case in embezzlement, fraud, and a civil suit. They can also help out with repairing personal credit, product warranties, consumer protections, proper legal financing of products, and different product laws.

Bankruptcy Filings

Some consumer attorneys can help you out with filing for bankruptcy. They can also help you with stopping harassment from a creditor.

When you file for Chapter 7, the automatic stay stops a creditor from taking further action. It can stop foreclosures, collecting a debt, calling you at work, repossessions, debt collection lawsuits, etc.

When you file this, you’ll receive full protection from the bankruptcy court. If a creditor wants to collect a payment, they’ll first need to receive permission from the bankruptcy court.

A consumer protection attorney can go over your protections in Chapter 13 or Chapter 7 bankruptcy filing. They’ll provide you with legal advice since bankruptcy filing can be overwhelming. If you don’t have much money then you can file Chapter 7 bankruptcy without an attorney.

What To Know Before Hiring a Consumer Attorney

If a business takes too long to comply with new changes, then a consumer can file a complaint. If you hire an attorney early then you can choose the best method for consumer protection.

Consumer law is mostly there to solve problems, lawsuits, and civil remedies. It can also help out with criminal sanctions. Attorneys can also file cases for criminal misconduct as well including embezzlement or fraud.

Fair Credit Reporting Act

The Fair Credit Reporting Act is there to help protect the privacy and accuracy of your information that credit reporting agencies have access to. This can help them determine credit amounts, housing applications, loan approval, interest rates, and employment background checks.

Under this, you’re allowed to receive a free copy of your report once a year. You can dispute errors that occur within 30 days.

You can sue for damages if your rights are violated under this. If your information is used against you then you have to be notified.

It prevents collection agencies and debt collectors from using deceptive and unfair practices to collect money. You’ll want to find out what different tactics they’re not allowed to use.

Under this, you can receive cease and desist restrictions, contact restrictions in time and place, validation on the declared debt, and representation from an attorney. They can also help you out with identity theft as well. This is due to identity theft having an impact on your credit score.

Lemon Law

This is when there’s product liability. You’ll receive a replacement or a refund for a car that has a mechanical defect that’s covered by a warranty.

Under this, you can bring your car to the dealer. If after a few times they aren’t trying to fix it then you might be able to receive a replacement vehicle. Work with a consumer attorney who can help guide you in this process.

They can help as well when a dealer doesn’t want to admit that they’re selling defective vehicles. Maintain detailed records of all repairs that are performed on the vehicle. Show that you have repeated visits and nothing is done about it.

Keep in mind that the Lemon Law is specific to each state as far as rules and regulations. Find out what’s covered in your state whether it’s for warranties, safety, financing, and others.

Truth-in-Lending Act

This is where lenders have to fully disclose the terms and conditions when they give you credit. This includes time limits and due dates, the amount of the loan, penalties, etc. You can sue if they try to push something that wasn’t initially laid out.

Exploring What Consumer Law Attorneys Do

After exploring this guide, you should have a better idea of what a consumer law attorney does. Determine whether or not a consumer law attorney is necessary in your case, and will be beneficial. Keep these in mind as you go.

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