Jones, Wolf & Kapasi, advocates on behalf of consumers who have been wronged by creditors, collection agencies, collection attorneys, banks, finance companies, landlords, credit reporting agencies, and telemarketers. We also represent those who have consumer fraud claims against health clubs, construction companies, motor vehicle repair companies and other businesses that violate consumer's rights.
New York and New Jersey have their own respective consumer protection laws. Our firm prides itself on representing consumers who believe a business has defrauded them by charging fees they are not entitled to charge, failing to complete services promised, or providing contracts to the consumer that violate state law.
Unfair Collection Practices
Personal, family, and household debts are covered under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692. This act was designed to protect consumers from undesirable actions on the part of debt collectors (and in some cases, debt buyers), which include collection activities regarding student loans, medical bills and credit cards. Many of the debts sought by collection agencies are not documented, beyond the statute of limitations, or even legally invalid. Consumers, borrowers and debtors are invited to fax, email or mail collection letters and/or loan documents to our office for an evaluation, or to contact the firm to schedule a consultation regarding your rights.
Unwanted Telemarketing Calls – Text Messages – Emails
The Telephone Consumer Protection Act (TCPA) of 1991 and other related laws regulate unwanted telemarketing calls. Specifically, the TCPA and other regulations make it illegal for advertisers to make calls using automatic telephone dialing systems or artificial or prerecorded voice to cell phones or to residential phone lines without consent of the called parties. It also spells out regulations for transmittal of faxes.
The issue of unsolicited advertisements sent by fax (“junk fax”) was addressed by Congress in 1991. Under the Telephone Consumer Protection Act (TCPA), 47 U.S.C. 227, it is illegal for companies to send you junk faxes. And, what’s more, the law entitles you to sue the sender in state court for a minimum of $500 per page. The law also allows the judge to triple the damage award to $1,500 per page under certain circumstances, and those circumstances are fairly easy to show.Contact Us