Practice areas
These are the eight areas of consumer law we practice. Find your situation, then call for a free consultation.
- Admitted in New York, 2004
- S.D.N.Y. and E.D.N.Y.
- Representing consumers since 1999
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01
Wrong information in your reports
The Fair Credit Reporting Act requires reporting agencies to assure the maximum possible accuracy of what they report about you. When they fail, you can sue for a corrected report and compensation.
- Credit Reporting ErrorsMistakes on your credit report that the bureaus will not fix.FCRA
- Criminal Background ErrorsA background check that shows a record that is not yours.FCRA
- Student Loan Reporting ErrorsClosed or resolved student loans that are still reported wrong.
- Mortgage Reporting ErrorsReporting errors that cost you a home loan or a better rate.
02
Fraud in your name or your accounts
Identity theft, unauthorized charges and transfers you never made. The FCRA, the Fair Credit Billing Act and the Electronic Fund Transfer Act give you the right to dispute them.
03
Harassment by debt collectors
The Fair Debt Collection Practices Act sets clear rules for when and how collectors may contact you. If they break them, you can sue.
Under the FDCPAFDCPA
What collectors cannot do
- Call you before 8 am or after 9 pm
- Call you at work after you ask them not to
- Keep collecting while the debt is in dispute
- Contact your employer, family or other third parties
- Use obscene language or threaten actions they cannot take
- Mislead you to collect a debt
- Send papers made to look like they come from a court or government agency
Deadlines that matter
Several consumer protection laws come with short deadlines. Here are four to know.
- Days for credit bureaus to block accounts an identity thief opened
- 4Counted from when they receive your identity theft report (15 USC 1681c-2).
- Days to dispute a credit card billing error in writing
- 60Counted from when you receive the statement with the error.
- Days for your card issuer to acknowledge the complaint
- 30Counted from when the issuer receives it.
- Business days a bank typically has to resolve a fraud claim on a transfer
- 10For fraud claims. The Electronic Fund Transfer Act gives you the right to dispute unauthorized transfers.