Consumer Protection

We Protect Your Home, Your Assets and Your Legacy.

Consumer protection services are available to address credit reporting errors, debt collection harassment, and unfair financial practices. Contact us to schedule a free consultation and learn how we can help protect your rights.

Long Island Consumer Protection Lawyer

Consumer Protection laws are designed to safeguard the rights and interests of individuals in their dealings with businesses, defective products and financial transactions. Two laws that have been put into effect since the 1970s for consumer protection related to credit and debt are the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).

Fair Credit Reporting Act (FCRA)

The FCRA is a federal law established to protect consumers from prejudiced and inaccurate credit reporting. This law encompasses harassment and abuse, and debt verification.

Fair Debt Collection Practices Act (FDCPA)

The FDCPA protects you as a consumer from intolerant debt collection practices. For example, sharing your debt information with others, repeatedly contacting and calling debtors at unreasonable hours or threatening legal action.

Know Your Rights

Debt Defense Attorneys

Dealing with debt collection can be stressful and overwhelming, especially when faced with aggressive tactics or inaccuracies on your credit report. If you’re facing unfair practices by debt collectors or errors in your credit report, Sugarman Law is here to help. Our experienced attorneys specialize in protecting your rights under the Fair Debt Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), two critical laws designed to safeguard consumers like you.

Contact us today to check availability and let us support your practice with trusted debt defense.

Why Choose Sugarman Law to Protect Your Rights as a Consumer?

When it comes to protecting your financial rights, experience and dedication matter. At Sugarman Law P.C., we understand how overwhelming it can be to face aggressive debt collectors or credit report inaccuracies that impact your financial stability. With a strong focus on consumer protection, we help clients enforce their rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Our team is committed to holding credit bureaus and debt collectors accountable for unlawful practices, ensuring that your credit report is accurate and that you’re treated with the fairness and respect you deserve. If you’re facing harassment, false reporting, or other consumer violations, Sugarman Law is here to advocate for you with the experience, integrity, and personal attention that sets our firm apart.

Integrity

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FAQs

Frequently Asked. Confidently Answered.

What is the Fair Debt Reporting Act (FCRA)?

The FCRA regulates how credit reporting agencies manage your credit information. It ensures that the information in your credit report is accurate, fair, and private. If your credit report contains errors, such as incorrect late payments or outdated information, the FCRA gives you the right to dispute and correct those inaccuracies.

Example: Credit Report Error

Imagine you’ve recently paid off a credit card, but your report still shows a delinquent payment from several months ago. Under the FCRA, you have the right to dispute this error with the credit bureau. If the credit bureau fails to investigate or correct the mistake, an attorney can help you take legal action to ensure your credit report is accurate and reflects your financial standing.

What is the Fair Debt Collection Practices Act (FDCPA)?

The FDCPA protects you from harassment by debt collectors. It prohibits abusive, deceptive, or unfair practices when collecting debts. Debt collectors are required to treat you with respect, and they must follow strict guidelines when contacting you, including restrictions on the times and methods of communication.

Why You Need an Attorney for FCRA or FDCPA Violations?

If you’re dealing with mistakes on your credit report or harassment from debt collectors, a skilled attorney can:

Dispute Inaccurate Information: If your credit report has errors, we’ll help you file a dispute and ensure the credit reporting agencies correct any false or outdated information.
Negotiate Debt Settlement: We can work with creditors on your behalf to find solutions, such as debt settlement or payment plans, to ease your financial burden.
Take Legal Action: If necessary, we can file lawsuits against debt collectors who violate the FDCPA or credit bureaus who fail to investigate credit report errors under the FCRA.

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Sugarman Law, P.C. offers dependable legal support across a broad range of practice areas, including court appearances, consultations, and ongoing representation. Whether you need assistance with a specific matter or per diem attorney coverage, we’re here to help with timely, professional service.

Fill out the form or contact our office at 631-406-7600 to speak with a member of our team.