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Consumer Protection & Unfair Debt Collection

Florida Consumer Protection Lawyers

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Reporting and resolving a scam or creditor abuse

Whether you have been victimized by fraudulent charges or creditor abuse, the attorneys at Kaleel Law, LLC can help correct the wrongs done to you. We offer you one-on-one personal attention as you work through your legal issue.

Our attorneys are thoroughly familiar with the Florida state and federal laws that can help you. We provide comprehensive legal advice on each of the following legal matters:

Fair Credit Billing Act — Creditors are responsible for correcting billing errors with due diligence. When your creditor has failed to reverse unauthorized charges, charged the wrong amount, charged you for merchandise you never received, failed to post payments and other credits, failed to send bills to your current address before they came due, or failed to provide you with written proof of purchase, our attorneys can help.

Fair Debt Collection Practices Act — Your creditors do not have the right to harass you to collect debts. They are not permitted to release false information about your outstanding debts to anyone, including your employer or a credit reporting agency.

Fair Credit Reporting Act — As a consumer, you have the right to review your credit score and dispute any mistakes in your credit report. In addition, if you have been a victim of identity theft, you can dispute any of those fraudulent charges. Since interest rates, financing charges and required deposits are closely tied to your credit score, it is in your best interests to contact us to help you resolve these issues.

Truth in Lending Act — Your creditors are required by law to explain — conspicuously, in print — the precise terms of any loan, including the amount being financed, the required minimum monthly payment, the number of payments to be made and the annual percentage rate (APR). If you discover that a loan you were led to believe was a fixed rate loan is actually a variable rate loan, you may have a claim against your creditor.

Real Estate Settlement Procedures Act — Mortgage lenders are not allowed to advertise low interest rates but then charge high rates through their affiliates for a kickback. Such bait-and-switch tactics are illegal. As a consumer, you can sue if you have been a victim of deceptive real estate practices.

Contact us to schedule an initial consultation

Knowing your rights is the first step toward correcting the wrongs done to you. At Kaleel Law, LLC, our attorneys understand your sense of frustration with the bureaucratic red tape that stands in the way of justice. Let our lawyers take action on your behalf. Call 904-683-8823 or contact us online to schedule a consultation at our Jacksonville office.

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