Category: The Illinois Consumer Fraud and Deceptive Business Practices Act

Avoid buying a stolen car or truck, but what happens if you do?

Internet and social media technology opened the door to new marketplaces where consumers can buy just about everything, including cars and trucks. There are popular Facebook groups where people buy and sell new and used vehicles. There are cost benefits to buying directly from individual sellers, such as avoiding dealership fees and higher prices. Buyers with experience purchasing used cars and trucks may ask the seller if they can take the car to a local mechanic or have one come by and inspect the vehicle before they buy it. An experienced mechanic can inspect and offer their opinion on the condition of a car or truck, but they may not be able to know anything about its ownership history, much less knowing whether it was stolen. An advantage to buying from a reputable auto dealership may be their offer of a Carfax Report, which lists the known vehicle history. Despite the appearance of safely knowing what you are buying, even from a well-known dealership, they could mislead you, right into the front seat of a stolen car or truck.

Who steals and sells stolen cars and trucks?

From individuals looking to make a hot profit to organized crime rings, there are countless people involved in the illegal theft and sale of automobiles. Cars and trucks may disappear and quickly be shipped out of state or overseas. Likewise, stolen vehicles can be smuggled into the U.S. and end up for sale anywhere from big dealerships to local neighborhood car lots and the guy across town offering an amazing deal on the car or truck you really want.

While many of us think about the expensive import and sports cars as being the most likely to be stolen, that is not the case. The most stolen cars are also the most common vehicles you might see in average middle-class American driveways; they are easier to steal, have more valuable parts and higher resale values.

The National Insurance Crime Bureau (NICB) is a not-for-profit working with insurance companies to track, report and offer education about fighting fraud and crime. In its recent report, “Hot Wheels,” the NICB identified a list of the 10 most-stolen cars and trucks in the U.S. in the year 2014[i]:

  1. Honda Accord
  2. Honda Civic
  3. Ford Full Size Pickup
  4. Chevrolet Full Size Pickup
  5. Toyota Camry
  6. Dodge Full Size Pickup
  7. Dodge Caravan
  8. Nissan Altima
  9. Acura Integra
  10. Nissan Maxima

What can you do to prevent accidentally buying a stolen vehicle?

The NCIB offers a free vehicle identification number (VIN) check. Using the website https://www.nicb.org/vincheck you can enter the VIN of any vehicle you are considering purchasing and research the vehicle history. Specifically, the VINCheck database will tell you whether the VIN is reported as stolen, and whether the vehicle was listed as a total loss, following an insurance claim. So if the vehicle was reported stolen, its VIN should be on the NCIB database. However, if for some reason the vehicle was not reported as stolen, it may appear that the vehicle was legitimately acquired and offered for sale, despite the possibility it was stolen.

The CARFAX reporting system should have the information on every vehicle registered and on the road. If http://www.carfax.com/ does not have a report on the vehicle, you could either start asking questions or move onto another vehicle. You can purchase individual Carfax reports for $39, or for $49 you can get up to 5 reports, and for $54 you can obtain unlimited VIN reports for up to 60 days.

Despite your best consumer efforts, you still end up with the stolen vehicle, now what?

A few years back a Chicago area woman was more than surprised when local police and a tow truck arrived at her house to seize her Lexus SUV. The woman had absolutely no idea it had been stolen from another state, and its VIN switched out from another Lexus that was totaled in a junk yard. To add insult to injury, the woman stilled owed money to the lender who financed her purchase of a stolen car.

If you knowingly purchase a stolen vehicle you can be charged criminally. Most people do not know and have no reason to suspect the car is stolen, except for when the price is shockingly different from the fair market value of the vehicle, or the VIN is noticeably not the original, for example.

The day you become aware that you own a stolen vehicle, your first call should be to an experienced consumer law firm. The Zamparo Law Group, for example, can advise you of your rights and what recourse may be possible. If you bought the vehicle from a large dealership or local car company, their insurance may pay your claim for reimbursement for the money you paid in a fraudulent car purchase. If they don’t pay, a lawsuit may be filed and settled out of court or proceed to a court judgment. If you purchased the car from an individual seller, they could be long gone, and not likely to answer your calls or correspondence.

The Zamparo Law Group is advocating for consumers and sharing information about how to be more vigilant when buying a new vehicle, avoiding the stolen cars and trucks that might be sitting on the lot down the street or a neighbor’s driveway.

The Zamparo Law Group, P.C. is a consumer protection law and litigation firm, representing consumer plaintiffs. Zamparo Law Group in the northwest suburbs of Chicago sues and wins against the companies who refuse to follow the law.

To learn more about consumer protection law and the Zamparo Law Group, please visit the firm’s website. You may also ask for a free case review. The Zamparo Law Group is connected on social media, please follow us and share our resources we share on our FacebookTwitter and LinkedIn pages. You may call the Zamparo Law Group with any questions by dialing (224) 875-3202.

 

 

[i] NCIB’s Hot Wheels: America’s 10 Most Stolen Vehicles, published Aug. 31, 2015

Image source: http://bit.ly/29mzBb9

Advertising Material

Image source: FDA Health Fraud For Consumers http://1.usa.gov/1Rebco7

Women targeted in consumer fraud

March is Women’s History Month. When we focus on the consumer marketplace, we often find that women make a considerable amount, if not the majority of decisions regarding purchases and finances for themselves and families. Women make up more than 50 percent of our U.S. population[i] and the individuals engaged in deceptive business practices and consumer fraud use scams targeting women. In several reported cases, unscrupulous individuals and companies appealed to women’s emotions in trying to sell those products, hoping their guard would be down. Women should be particularly aware of consumer fraud and should learn to spot it when salespeople make claims that seem to good to be true. When the consumer fraud operation violates consumer rights laws, individual women and members of class action lawsuits can sue and win in court, helping shut down scammers who prey on women.

The Federal Trade Commission (FTC) recently published an article highlighting their noteworthy efforts in stopping scammers targeting women.

The FTC enforces federal consumer protection laws that prevent fraud, deception and unfair business practices. There FTC is engaged in the administration and enforcement of more than 70 laws relating to competition and consumer protection.[ii] With so many actors in the consumer marketplace, it is no wonder many deceptive business operators get creative with their scams. The following examples highlight frauds and scams aimed at women.

Revenge porn

Section 5 of the FTC prohibits “unfair or deceptive acts or practices in or affecting commerce,[iii]” and unfair acts or practices are those which cause or are likely to cause substantial injury to consumers, cannot be reasonably avoided by consumers, and are not outweighed by their purported benefits to consumers or competition. Deceptive acts or practices include a representation, omission or practice likely to mislead a customer, and a consumer who interprets that material misrepresentation and reasonably relies upon it is as true or reasonable under the circumstances.

The FTC used Section 5 to shut down the revenge porn website operated by Craig Brittain, who solicited sexually explicit pictures of women for his website. In many cases, Brittain paid some individuals to find pornographic images of women along with their names, addresses and Facebook pages.[iv] Women who found out private pictures of themselves on Brittain’s revenge porn website, could pay hundreds of dollars to have their profiles stricken from the site. Following the FTC takedown and order to destroy all the images, many individuals concerned about this type of scam, are working on additional legislation specifically addressing this type of consumer fraud involving elicit images.

Bogus health and weight loss

Women are constant targets of health and weight loss products. The claims that new discoveries in science and health may be used to sell hope for a quick fix for all that ails an individual. Lunada Biomedical advertised their “revolutionary formula” in the drug, Amberen, promising to relieve menopause symptoms, including weight gain and hot flashes.[v] The FTC claims there is no evidence supporting the claims made by Lunada Biomedical, who is currently under investigation and the case is ongoing.

Meanwhile, most women know that spilling coffee on their skin does not cause weight loss, but there were two companies called Norm Thompson and Wacoal America who advertised caffeine-infused underwear/shapewear designed to reduce weight by taking inches off hips and thighs, and reducing cellulite.[vi] Women watching these advertisements may be aware about laws against false advertising, and assume the products perform as they are advertised. Unfortunately, unscrupulous business operators do not follow the law. Of course the claims made by these companies were unsubstantiated and claims that undergarments could include caffeine and other substances to be absorbed by the skin to reduce weight and cellulite were absolutely unfounded, with no adequate support for the claims made. By administrative agreement, both companies are barred from making weight loss claims and they are refunding women customers duped by bogus claims.

Income scams

The FTC obtained a temporary court order shutting down Oro Marketing, a company who made phone calls to Spanish-speaking Latinos, advertising high-end goods they were selling in packages to customers who could re-sell the items for a profit.[vii] Oro Marketing sold packages of goods for $400 to $500, and when these packages of high-end goods were received, the purchasers quickly learned the contents were of little or no value, were not the quality promised, and had little to no value in a re-sale market. The FTC settled its case with Oro Marketing in which a permanent ban prevents Oro Marketing or it’s principal from doing business in the telemarketing industry. The FTC used this case to produce a Spanish-language graphic novel, Estafa de Ingresos, to highlight the risk of income scams.

Women consumers and compensation for fighting against consumer fraud

Individual consumers who spot consumer fraud and unfair or deceptive practices, and work with consumer rights lawyers to file complaints, can and do receive statutory damages, direct damages and they payment of their attorney’s fees, depending on the consumer laws violated. The responsible course of action is reporting consumer fraud when you think you encounter it, to help prevent others from being taken and swindled by frauds who prey on women.

The Zamparo Law Group helps women fight back against the individuals and organizations who target women in consumer fraud. We fight and win in court, individually and in class action lawsuits.

The Zamparo Law Group, P.C. is a consumer protection law and litigation firm, representing consumer plaintiffs. Zamparo Law Group in the northwest suburbs of Chicago sues and wins against the companies who refuse to follow the law.

To learn more about consumer protection law and the Zamparo Law Group, please visit the firm’s website. You may also ask for a free case review. The Zamparo Law Group is connected on social media, please follow us and share our resources we share on our FacebookTwitter and LinkedIn pages. You may call the Zamparo Law Group with any questions by dialing (224) 875-3202.

 

[i] United States Census Bureau, Quick Facts, Age and Sex.

[ii] U.S. Federal Trade Commission, Enforcement, Statutes Enforced or Administered by the Commission.

[iii] Federal Reserve website, Federal Trade Commission Act, Section 5: Unfair or Deceptive Acts or Practices.

[iv] FTC Consumer Information, Is anybody horrified?, by Melinda Claybaugh, Jan 29, 2015.

[v] FTC Consumer Information, Attention Women Over 40: Claims may slim your wallet, not your waist, by Coleen Tressler, May 12, 2015.

[vi] FTC Consumer Information, No support for shapewear’s slimming claims, by Coleen Tressler, Sept. 29, 2014

[vii] FTC Consumer Information, Shutting down an income scam, by Laura Solis, Jan 13, 2015.

Advertising Material

Image Source: Consumers Union website https://consumersunion.org/end-robocalls/

Campaign to stop robocalls: Consumers Union has a plan to fight illegal robocalls

To date, more than 600,000 consumers from coast to coast signed the online petition on the Consumers Union website, sharing their stories, and fighting to end robocalls. Despite our efforts to sign up on the National Do Not Call Registry and pay extra fees to our phone companies to restrict access to our phone numbers, we all receive annoying and unwanted robocalls from telemarketing companies telling us we won a free trip to an exotic location, to others offering payday loans, always interrupting us from anything we would rather be doing than receiving these calls. Consumers Union is a nationwide entity with offices located in New York, Texas, Washington D.C., and California. The company’s mission is, “Unleashing the world-changing power of consumers.[i]

The law on robocalls:

  1. Without express written consent, many telemarketing calls are illegal;
  2. Political and nonprofit groups need consent to call mobile phone numbers;
  3. It is however, legal for political and nonprofits to call landline phone numbers;
  4. Emergency and health-related robocalls are legal to both landline and mobile numbers.

Robocalls are a big problem and disturb consumers who do all they can to prevent unwanted calls.

Robocalls are a compelling problem, causing significant irritation to consumers, including the consumer rights lawyers who also receive these annoying calls. It is one thing to come home to a digital answering machine or voicemail full off robocalls from telemarketers, but it is another to receive those calls on cell phones, especially when busy, driving, or doing anything else where being disturbed is a problem. Many consumers elect not to give out their cell phone number, and others give to everyone and use it for business. In either scenario, most of us program saved numbers and contacts in our phones and we can be distracted by numbers we do not recognize.

New technology allows the robocallers to mask and hide their source location, so we cannot track them down. Similar technologies are used to assign area codes to phone numbers (spoof numbers), and it might appear to be a local call coming in, when it may actually be a computer calling you from overseas in an unknown location. If you think you can call the number back and have a word with them, good luck. Being annoyed is one thing, being scammed is another. According to the Consumer’s Union, “telephone scammers target vulnerable consumers, including the elderly. Consumers lost some $350 million to scams in 2011, according to the latest available FTC data.[ii]

Consumers Union calls on the phone companies to reduce the number of robocalls.

The technology exists but it not always used where it could be effective to the benefit of consumers. In Canada there is a service called Primus Telemarketing Guard, which identifies and intercepts telemarketing phone calls, similar to the SPAM filters we use to protect us from online viruses and emails posing security risks. Why can’t U.S. landline providers offer a similar technology? There is a service offered by Internet-based phone providers, called Nomorobo, however the phone companies do not directly offer the service to customers. Cell phone users can download and purchase apps that block telemarketing calls, but they are not offered directly by the service providers.

Consumers Union, collecting petitioners from all over the U.S., to present to phone companies, telling them that consumers want action and services and technologies directly from providers, to help combat robocalls and consumer fraud. Consumers Union states, “The FCC has authorized phone companies to use blocking technologies. Now we’re harnessing your outrage to demand the phone companies offer free, effective call-blocking solutions. And we’ll fight every effort to expand the use of robocalls to cell phones.”

Spreading the word among other consumers is helpful, in drawing awareness to problems and solutions to help protect consumers from unwanted communication, telemarketing and fraud schemes.

When you sign the online petition on the Consumers Union website, you receive an email encouraging you to share the campaign with more people, as Consumers Union states, “As individuals – filing complaints with the FTC, or trying to block unwanted calls on our own – we can be ignored. Together, we can be powerful.[iii]

DISCLAIMER: The Zamparo Law Group has no affiliation with Consumers Union, and this article is not an endorsement or makes any claim to the propriety of the company or its owners or affiliates. Having said that, the Consumers Union and their petition has reached news desks and has achieved considerable attention. The Zamparo Law Group, advocating for consumer rights, reports and shares consumer protection news.

The Zamparo Law Group can help consumers fight against robocallers and win in court, individually and in class action lawsuits.

The Zamparo Law Group, P.C. is a consumer protection law and litigation firm, representing consumer plaintiffs. Zamparo Law Group in the northwest suburbs of Chicago sues and wins against the companies who refuse to follow the law.

To learn more about consumer protection law and the Zamparo Law Group, please visit the firm’s website. You may also ask for a free case review. The Zamparo Law Group is connected on social media, please follow us and share our resources we share on our FacebookTwitter and LinkedIn pages. You may call the Zamparo Law Group with any questions by dialing (224) 875-3202.

 

[i] ConsumersUnion.org, About, Mission

[ii] ConsumersUnion.org, End Robocalls, Problems

[iii] Consumers Union autoreply email in response to signing petition, subject line: Can you share EndRobocalls.org with your network?

Image Source: Consumers Union website https://consumersunion.org/end-robocalls/

Advertising Material

Image Source: Consumer Affairs, Fed Action Halts Debt Relief Marketing Operation. http://bit.ly/1mKzYA2

Debt relief companies posing as law firms, leader of fraud faces 20 years

The United States Department of Justice (DOJ) Consumer Protection Branch frequently announces news and alerts to warn consumers of fraudulent business operations. Investigations and prosecutions of wrongdoers can involve federal, state and local agencies working together to share information and bring individuals to justice. In consumer fraud cases there may be criminal and civil penalties and fines imposed on organizations and their owners who make false promises to consumers and take their money, often without providing any services, or certainly not what was offered to the consumer. Certain consumers are specifically targeted based on their age, race, and income bracket. When something seems too good to be true, it may be. Spotting and reporting consumer fraud is an important first step in stopping scammers and preventing others from trying defraud consumers.

Scammers masquerading as debt relief companies are common, and this one falsely claimed to be a law firms and companies run by lawyers.

A California man recently pleaded guilty to allegations of conspiracy to commit mail and wire fraud in the operation of companies, Nelson Gamble & Associates and Jackson Hunter Morris & Knight LLP. The DOJ press release reports that, “Nelson and his employees portrayed the debt relief companies as law firms and attorney-based companies that would negotiate favorable settlements with creditors. Clients made monthly payments expecting the money to go toward settlements. Nelson and his co-conspirators instead took at least 15 percent of the total debt as company fees, within the first six months of payments going almost entirely toward undisclosed up-front fees.[i]

The DOJ and the U.S. Postal Inspection Service[ii] (USPIS) spokespersons commented on their efforts to protect consumers against fraud schemes: “This scheme victimized people already in financial distress…the Justice Department is committed to protecting consumers, particularly those who are vulnerable to fraud schemes designed to prey upon people already in perilous economic conditions,” stated U.S. Attorney Eileen M. Decker; “The U.S. Postal Inspection Service will continue to vigorously pursue those who use our nation’s mail system to commit fraud or other illegal activity,” said Acting Inspector in Charge Daniel Brubaker.[iii]

The Federal Trade Commission (FTC) filed its civil case against Nelson and his companies in September 2012 and the case was settled by agreement in August 2013. Information obtained in investigations showed Nelson operated his scheme from February 2010 through September 2012, for which he faces a potential 20-year prison sentence.[iv] While the DOJ and FTC news releases do not mention any privately filed civil complaints against Nelson, there may be several consumer protection laws he and his group violated, for which the individuals filing private lawsuits can collect actual damages, statutory damages and private attorney’s fees.

Make note of common telemarketing and sales pitches with amazing claims.

In its consumer protection news report, the FTC discussed how Nelson and his group robo-called phone numbers listed on the National Do Not Call Registry in attempting to sell their debt relief services. The FTC complaint cites language in a website operated by Nelson, “Nelson Gamble works with the utmost diligence to obtain the best possible outcome for our clients, with over $90 million of debt settled in the past 12 months – and over $800 million since our inception,” using “proven tactical methods to settle debt by 50% to 80%…in three years or less.[v]” Nelson and his cohorts likely assumed that most of the consumers they were targeting would have access or ideas on how to research the claims made by these companies.

Make the call to report potential crimes and consumer protection violations to stop the scammers.

If you receive an offer from a company that sounds too good to be true, do some research. If a debt relief company is able to knock out 50 to 80 percent of your debt, are all bankruptcy lawyers going out of business? If you believe you are communicating with a potentially fraudulent company trying to swindle you, tell someone. The next person they call could be your elderly mother or another family member, friend or neighbor; there is no telling who is on the robo-call list.

The Zamparo Law Group receives phone calls and emails from consumers who believe their rights and the laws were violated by telemarketers and debt-relief-type companies that make claims that sound too good to be true. The attorneys at the Zamparo Law Group can tell you whether you have a legal right of action and whether higher federal, state or local authorities and agencies may be appropriate to contact. If you have a case, the Zamparo Law Group can get to work advocating for your consumer rights.

The Zamparo Law Group, P.C. is a consumer protection law and litigation firm, representing consumer plaintiffs. Zamparo Law Group in the northwest suburbs of Chicago sues and wins against the companies who refuse to follow the law.

To learn more about consumer protection law and the Zamparo Law Group, please visit the firm’s website. You may also ask for a free case review. The Zamparo Law Group is connected on social media, please follow us and share our resources we share on our FacebookTwitter and LinkedIn pages. You may call the Zamparo Law Group with any questions by dialing (224) 875-3202.

 

[i] U.S. Department of Justice, Office of Public Affairs, California Man Operating Phone Room in Debt Relief Scam Pleads Guilty to Defrauding Consumers, Release Date Feb. 1, 2016.

[ii] The U.S. Postal Inspection Service investigates the use of the mail system to commit fraud or other illegal activities (the U.S. mail was used in connection with this fraud).

[iii] See DOJ press release, HNi above.

[iv] Federal Trade Commission, Cases and Proceedings, Nelson Gamble & Associates LLC, et al.

[v] See HNiv above.

Advertising Material

About the Illinois Consumer Fraud and Deceptive Business Practices Act

The Illinois Consumer Fraud and Deceptive Business Practices Act[i] (ICFA),identifies unlawfully deceptive business practices and provides legal remedies for consumers, borrowers and people doing business who are damaged by fraud and deception in the conduct of trade or commerce. The automobile sales, repossession and repair industries are historic in the incidence of fraudulent and deceptive practices where consumers too often rely on bad practices and faulty or missing disclosures of important information a consumer needs to make an informed decision. The ICFA covers commercial activity in a variety of product and service issues. The penalties for violating the ICFA include criminal and civil penalties and liability when a fraud or deception victim makes a complaint to the state or files a private lawsuit against the wrongdoing individual or business.

The ICFA defines unlawful practices as follows: “Unfair methods of competition and unfair or deceptive acts or practices, including but not limited to the use or employment of any deception fraud, false pretense, false promise, misrepresentation or the concealment, suppression or omission of any material fact, with intent that others rely upon the concealment, suppression or omission of such material fact, [omitted[ii]] in the conduct of any trade or commerce are hereby declared unlawful whether any person has in fact been misled, deceived or damaged thereby.[iii]

Examples of unfair or deceptive acts include chain letters and pyramid schemes.

Chain referral sales techniques are prohibited under the ICFA[iv]. Chain letter referrals involve a seller convincing a buyer to make merchandise purchases and receive a discount if that buyer offers up the names of other potential customers to the seller, and where the seller is actually makes sales to those buyers, at which time the original discount offered to the buyer becomes effective, often in the form of a credit or commission reduction in the originally stated price.

A pyramid sales scheme[v] involves an operation or plan where a person in exchange for money or something of value (most often the promise of income from others you bring into the plan) is to participate in the same plan or operation of signing other people up in the operation of plan, and income is not primarily a function of the actual sale of goods or services sold. In some examples, there is a fee to join the plan, and when the person who joins, gets others to sign up, they receive a percentage of the others who sign up and pay their fee. The person at the top if the pyramid wins and makes money on everyone below or after them in the pyramid, and this is illegal in Illinois under the ICFA.

Failures to disclose information, providing false reports and threatening conduct are also illegal.

Consumers rely on accurate legally required disclosures in the sale of certain items, such as automobiles. Auto dealers must make certain disclosures about the vehicles they sell and when, for example, they fail to disclose to buyers that a vehicle suffered certain damage, there is a violation of the ICFA[vi]. Where inspection reports are required by state or local municipalities, the reports must be accurate. In the sale of homes, especially older homes, there is a potential for payoffs and fraud. In the example where a false termite inspection report was provided in a home inspection, the false report[vii] is an ICFA violation.

Not only the information involved in a commercial transaction receives the attention and force of the ICFA, the process in which the deal is handled may also be protected. In the example where a homeowner and their contractor were in dispute over an invoice for services, the plumber[viii] violated the ICFA by threatening to rip our newly installed pipes and turn off the water service unless the homeowner paid the bill.

Violations and ICFA damages are sought in both Illinois criminal and civil courts.

The office of the Illinois Attorney General has broad power to investigate and enforce the elements of the ICFA to protect the safety of Illinois residents and consumers from fraudulent, unfair and deceptive business practices.[ix] The Attorney General can investigate suspects and defendants charged with violations, requiring them to submit written statements as the office also conducts discovery, issues subpoenas for individuals and documents and conducts prosecution hearings and trials. There are harsh penalties for contempt when an individual or organization fails to comply with the Attorney General.

In civil cases for damages, a private citizen, often hires a consumer rights lawyer to file an individual lawsuit for damages as result of a violation of the ICFA protections against consumer deception and fraudulent practices. The violated consumer may recover compensatory damages, punitive damages and attorney’s fees if they succeed in proving an ICFA violation.

In order to establish and prove a consumer fraud or deceptive practices violation the plaintiff must prove that there was, (1) a deceptive act or practice, (2) the defendant in the case relied on the plaintiff’s deception, and (3) that deception occurred in trade or commerce, (4) where the defendant suffered actual damages, proximately caused by the deception. For example, if you sell me a car from your dealership with a bogus damage disclosure, and the wheel falls off, leading to a car wreck, I can hire a lawyer, sue you and likely win money in court to pay for the damages, injuries, to punish you and pay for my lawyer.

Zamparo Law GroupThe Zamparo Law Group, P.C. will enforce the law and protect your consumer rights.

If you are involved in a bad business deal or transaction and believe that the other party violated the Illinois Consumer Fraud and Deceptive Business Practices Act, you may call the Zamparo Law Group and ask for a free case review. The Zamparo Law Group attorneys will tell you if your bad business deal is covered by the ICFA and whether you have a cause of action against another individual or organization that you may be able to win or settle in or out of court.

To learn more about consumer protection law and the Zamparo Law Group, please visit the firm’s website. You may also ask for a free case review. The Zamparo Law Group is connected on social media, please follow us and share our resources we share on our Facebook, Twitter and LinkedIn pages. You may call the Zamparo Law Group with any questions by dialing (224) 875-3202.

[i] The Illinois Consumer Fraud and Deceptive Business Practices Act, 815 ILCS 505/1 et seq.

[ii] Omitted: “or the use or employment of any practice described in Section 2 of the “uniform Deceptive Trade Practices Act”, approved August 5, 1965.”

[iii] ICFA 815 ILCS 505/2, Sec. 2 Unfair methods of competition and unfair or deceptive acts or practices.

[iv] ICFA 815 ILCS 505/2A

[v] ICFA 815 ILCS 502/1(g)

[vi] Totz v. Continental DuPage Acura, 236 Ill. App. 3d 891 (1992).

[vii] Warren v. LeMay, 142 Ill. App. 3d 550 (1986).

[viii] Ekl v. Knecht, 223 Ill. App. 3d 234 (1991).

[ix] ICFA 815 ILCS 505/3-6

Advertising Material

What exactly is “Consumer Law?”

When we tell people that we are lawyers, they inevitably ask, “What kind of lawyer are you?” When we say that we are consumer lawyers, they quickly move on to another topic of discussion. We find that few people—other lawyers included!—have an accurate conception of what consumer law is. Even other monikers like “consumer rights law” and “consumer protection law” still leave people at a loss concerning what we do.

It’s true: “consumer law” can be a bit confusing because it encompasses so many areas of the law. Generally, however, it deals with issues arising out of consumer credit transactions and deceptive sales practices. These seemingly simple areas involve a host of laws including federal laws like the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act and the Driver Privacy Protection Act, and state laws prohibiting unfair and deceptive business practices, mortgage foreclosure, and fraud, just to name a few!

  1. Defending Debtors’ Rights

Stopping harassment, defending collections lawsuits, providing consumer credit counseling, and working to settle and eliminate consumer debt short of bankruptcy.

  1. Credit Reporting

Fighting the effects of identity theft and employment background check errors, correcting improper credit reporting; advising about bankruptcy, and stopping unauthorized credit inquiries.

  1. Mortgage Lending

Defending foreclosure suits, fighting foreclosure “rescue” scams; stopping predatory lending.

  1. Telephone Consumer Protection Act

Stopping abusive patterns of excessive and harassing collection calls to cell phones without consent.

  1. Unfair and Deceptive Business Practices

Holding businesses accountable for playing fair in the marketplace.

credit card sharksWe once met a client who had been searching online for a lawyer regarding a debt harassment issue that had plagued him for over five years. His searches, frustratingly, consistently led him to personal injury attorneys. Finally, a friend told him to look up “consumer” attorneys. He immediately found our firm and found the help he needed. Don’t let this be you! If any of the above describe what you’re dealing with, contact us today.

As consumer lawyers, we are proud to advocate for and protect the rights of everyday people from all walks of life. We look forward to serving you, too.

To learn more about consumer protection law and the Zamparo Law Group, please visit the firm’s website. You may also ask for a free case review. The Zamparo Law Group is connected on social media, please follow us and share our resources we share on our Facebook page. You may call the Zamparo Law Group with any questions by dialing (224) 875-3202.

Advertising Material

Roger Zamparo Jr. Attorney

Consumer Protection Podcast: Roger Zamparo walks us through an issue spotting exercise in a variety of consumer protection laws, state and federal.

Roger Zamparo recently presented an overview of consumer protection law and litigation on the podcast hosted by the Illinois Professional Licensing Consultants. The program titled, Spotting consumer protection issues and litigation with Roger Zamparo, highlights sources of consumer protection law and several examples of how unfair and deceptive business practices affect consumers.

Zamparo Law Group

The Zamparo Law Group defends consumers from deceptive and unfair business practices, abusive collection tactics, identity theft, and a host of other anti-consumer behaviors.

Topics covered in this podcast interviewclick here to listen now!

  • What is consumer protection law and how do attorneys help you recover from harm?
  • Does an injured victim pay attorneys fees or collect at the end, like in personal injury law?
  • What are the sources of law identifying conduct resulting in a consumer protection violation?
  • A brief overview of fair debt collection laws and what types of wrongs to watch for.
  • How the fair credit rules work and what the credit reporting agencies should do to protect you.
  • About the Driver Privacy Protection Act and concern about motor vehicle records.
  • What the Telephone Consumer Protection Act requires of telemarketers.

Roger Zamparo received a B.A. from Ohio University and his J.D. from The John Marshall Law School (where he is currently serves as a member of the Board of Trustees). In his 35-year litigation practice, he has represented individuals and corporations in both state and federal courts. He has concentrated on several areas, including consumer law and legal malpractice. Please contact the Illinois Professional Licensing Consultants at (224) 847-3202 to be connected with Roger Zamparo if you have a consumer protection question or need to consult on your legal matter.

Advertising Material

Zamparo Law

Consumer Rights

At the Zamparo Law Group, P.C., we focus on helping consumers enforce their rights under a variety of state and federal laws. These include…

  • The Illinois Consumer Fraud and Deceptive Business Practices Act
  • The Fair Debt Collection Practices Act
  • The Fair Credit Reporting Act
  • The Real Estate Settlement Procedures Act

Because of various provisions in many of these consumer protection laws, our services can often be provided to consumers at a much lower cost than traditional legal services, and sometimes for free (court costs excluded). We welcome the opportunity to meet with you and to discuss your rights under the law.

Contact Us for a free case review today or dial (224) 875-3202 now, and ask to speak to a consumer rights attorney.

Advertising Material