Dayton Consumer Law Attorney
Consumer protection laws prohibit creditors, retailers, debt collectors, credit reporting agencies, solicitors, and many other parties from engaging in certain practices that can harass or otherwise harm consumers. When a consumer has questions about their rights, it is important to find out about filing a claim by speaking with an attorney. Contact our Dayton consumer law attorneys to learn more about the protections you have as a consumer under Ohio state and federal law.
Types of Consumer Law Cases Our Attorneys Handle in Dayton, Ohio
At Kohl & Cook Law Firm, we represent clients in many kinds of consumer protection cases, including but not limited to those involving the following issues:
- Creditor and debt collector harassment;
- Defective vehicles;
- Door-to-door home sales;
- Telephone solicitations;
- Consumer sales and false or misleading advertising; and
- Credit repair.
Consumer Protections in Dayton Under State and Federal Law
Consumers in Dayton, Ohio have a wide range of protections under both state and federal law. The following are examples of some of the Ohio state and federal laws that provide important protections to consumers:
- Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits unfair, deceptive, and fraudulent debt collection practices that harm consumers, and the law prohibits debt collectors from contacting consumers at certain times and places, and it also prevents debt collectors from threatening consumers or providing false or misleading information;
- Ohio Consumer Sales Practices Act is a state law that prohibits unfair, deceptive, and unconscionable business practices in certain types of consumer transactions involving suppliers, including prohibitions concerning false advertising of products or failing to allow a consumer to lawfully cancel a sale, for example;
- Fair Credit Reporting Act (FCRA) is a federal law that protects a consumer’s credit information, including, for example, a consumer’s right to know what is contained in their credit report and to dispute inaccurate information in a credit report;
- Telephone Consumer Protection Act (TCPA), which is a federal law that governs telephone solicitations and protects consumers against harassing telephone solicitations and allows consumers to seek a set amount of monetary damages for each violation;
- Lemon Law, which is a state law in Ohio (similar to laws in other states) that protects consumers who have purchased defective automobiles and entitles consumers to be eligible for repairs or refunds in various circumstances;
- Home Sales Solicitation Act, which is an Ohio state law that provides consumers with protections concerning door-to-door sales and the right to cancel door-to-door sales within three days so that consumers are not unfairly pressured to make purchases; and
- Real Estate Settlement and Procedures Act (RESPA), which is a federal law that protects homebuyers from various unfair practices by mortgage servicers.
Contact Kohl & Cook Law Firm
If you are a consumer who was harmed by an unfair or fraudulent practice, or if you believe your rights under a state or federal law were violated, you may be able to file a claim for compensation. Many consumer protection laws in Ohio and under federal law allow consumers to seek a remedy for a mere violation, along with additional damages for a legal injury that may have occurred. Contact our experienced Dayton consumer lawyers to learn more about our services.
