McLaughlin & Nardi's experienced consumer protection attorneys are aggressive in enforcing the rights of New Jersey's consumers.Consumer Protection Laws
Both New Jersey and federal law offer extensive protection from consumer fraud, deceptive sales practice, inaccurate credit reporting and defective products. They also provide for judicial enforcement of warranties. For example, the Consumer Fraud Act was enacted by the Legislature in 1960 for three reasons: (1) to compensate consumers who have been harmed by deceptive sales practices; (2) to deter fraud through the award of triple damages; and (3) to attract skilled lawyers to represent consumers by making a merchant which has engaged in deceptive practices pay the victim's attorneys fees, even though their loss may have been minor. Other laws afford consumer protection as well, such as the Uniform Commercial Code, the Lemon Law, the Magnusson-Moss Warranty Act, the Fair Credit Reporting Act, the Fair Foreclosure Act and the Fair Debt Collection Practices Act.
These are some of the major laws which protect New Jersey consumers.
- Consumer Fraud. New Jersey has some of the strongest consumer protection laws in the country. The chief protection is the Consumer Fraud Act, which prohibits deceptive sales practices. This includes both affirmative misrepresentations and omissions of important facts. If you prevail, you will be awarded three times your damages and the defendant will have to pay your attorneys fees. The consumer Fraud Act prohibits deceptive sales practices in almost all industries. There are specific regulations which go beyond even these protections, with specific regulatory requirements in:
- Auto sales, leasing and repair
- Home improvement contracts
- Health club contracts
- Employment agency contracts
- Real estate sales and services
- Internet dating agencies
- Banks and lending institutions
- Kosher and halal foods
- Personal information security
- Information services.
- Pet purchases (the “Puppy Lemon Law”)
- Home appliance repair and service
- Warrantees. Contract law and the Uniform Commercial Code protect purchasers of all types goods. However, the federal Magnuson-Moss Warranty Act goes even further, and requires the company to pay your attorneys fees if it fails to live up to its warranty.
- Lemon Law. New Jersey’s Lemon Laws protect the purchasers of new and used automobiles with persistent defects which the dealer cannot (or will not) fix.
- Credit Reporting. The Fair Credit Reporting Act provides a remedy when creditors or other institutions provide false information to a credit reporting agency.
Our New Jersey consumer protection lawyers have extensive experience representing consumers who have been harmed by unfair sales practices. We seek redress for those who have been unable to enforce the protections of warranties from the vendors.
Examples of our lawyers' experience includes:
- Suits by homeowners against construction companies and engineers for misrepresenting their services and qualifications, and breaching warranties.
- Representing consumers against retailers which have engaged in many different types of deceptive practices.
- Litigating on behalf of businesses which were "consumers" and the victims of consumer fraud.
- Representing individuals where automobile manufacturers could not or would not repair their "lemons."
- Representing consumers who were the victim of "bait and switch" advertising.
- Serving as mediator in numerous lawsuits under the Lemon Law Act and the federal Mangason-Moss Warranty Act for breach of automobile warranties.
McLaughlin & Nardi's experienced New Jersey consumer protection lawyers assist people who have been victims of consumer fraud or breach of warranty from Bloomfield to Butler, Montclair to Morristown, Little Falls to Lodi. Our attorneys can help if you have been a victim. To find out more about New Jersey consumer protection lawyers, please call (973) 890-0004 or e-mail us.