PRACTICE AREAS INCLUDE:

· New Jersey Consumer Fraud Act
· Fair Debt Collection Practices Act (FDCPA)
· Fair Credit Reporting Act (FCRA)
· Telephone Consumer Protection Act (TCPA-junk faxes)
· Truth in Lending Act
· Fair Credit Billing Act

Some of the areas regulated under Consumer Protection Law include:

DEBT COLLECTION - Harassment, attempts to collect more than is actually due, instituting suit after the statute of limitations has passed, failure to provide mandated provisions in collection letters, failure to cease collection attempts after the debt has been disputed by the consumer, failure to follow the Fair Debt Collection Practices Act;

AUTO SALES/LEASES - Deceptive advertising, misrepresentations concerning financing arrangements, damaged vehicles sold without the damage being disclosed, odometer fraud, unfair leases, use of inferior/used parts in repairs, misleading warranties, undisclosed fees, representing to purchasers that they must buy "gap" and/or health or disability insurance, and countless other fraudulent misrepresentations made to convince consumers to buy or lease automobiles;

AUTOMOTIVE REPAIRS - Failure to provide a written estimate before work begins, unnecessary repairs, failure to provide regulatory protections in contracts;

HOME CONTRACTORS - Unfinished contracts, stolen deposits, misleading estimates, failure to build to code, unreasonable delays in completion, unauthorized changes to specifications, demanding full payment before the work is completed or a final inspection is made, dangerous electrical and plumbing work by unlicensed workers, and many other illegal and deceptive practices;

HEALTH CLUBS/GYMS - Undisclosed fees and terms, failure to provide regulatory protections in contracts;

SALE/DELIVERY OF HOME FURNISHINGS - Undisclosed terms, failure to deliver as promised, failure to provide regulatory protections in contracts;

BANKING AND CREDIT CARDS - Undisclosed fees and interest on loans and credit, unreasonable collection practices for delinquent accounts, outrageous late fees and interest, inaccurate credit reporting, and a myriad of other unfair advertising and promotional practices and many other areas;

Call The Law Office of Glen H. Chulsky today for a consultation.