Oregon Consumer Protection Lawyer
Reporting and resolving a scam or creditor abuse
Whether you have been victimized by fraudulent charges, creditor abuse, violation of personal privacy rights, or an unsafe product, Ian Shearer Bankruptcy Law Firm can help correct the wrongs done to you. I offer you one-on-one personal attention as you work through your legal issue.
I am thoroughly familiar with the Oregon state and federal laws that can help you. I 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, I 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 me 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.
- Health Insurance Portability and Accountability Act — Your privacy with regard to your medical history is an enforceable right. Patients who have had this right violated may pursue legal action, and I stand ready to help.
- Pure Food and Drug Act — The government regulates labels on food for human consumption as well as the manufacture and sale of edible products. If a food product has made you ill, you may have a legal claim against the retailer or manufacturer. I can explain your rights and outline your options.
- Consumer Product Safety Act — If you have been injured by a dangerous or unsafe product, contact me for assistance.
- U.S. National Do Not Call Registry — Registrants with the U.S. National Do Not Call Registry have a right not to receive unsolicited calls from telemarketers. If your right has been violated, I can help you take legal action.
Contact me to schedule an initial consultation
Knowing your rights is the first step toward correcting the wrongs done to you. Ian Shearer Bankruptcy Law Firm understands your sense of frustration with the bureaucratic red tape that stands in the way of justice. Let me take action on your behalf. Call 503-810-0471 or contact me online to schedule a consultation at my Lake Oswego office.