Deterrence and Accountability
By taking legal action against wrongful repossession, individuals contribute to the deterrence of such practices. Holding creditors and repossession agents accountable for their actions helps prevent future instances of wrongful repossession, protecting other consumers from similar injustices. It also sends a powerful message that consumers are aware of their rights and will not tolerate their violation.
Empowerment and Peace of Mind
Learning about one’s rights and seeking justice through legal avenues can bring a sense of empowerment and peace of mind to victims of wrongful repossession. Understanding the legal process and having competent legal representation empowers individuals to assert their rights confidently. This can alleviate stress and anxiety caused by the wrongful repossession experience, allowing victims to focus on rebuilding their lives.
Wrongful repossession can be a distressing experience, causing financial and emotional turmoil for years to come. Fortunately, there are dedicated attorneys who focus on assisting consumers who have fallen victim to this injustice. Let’s discuss two primary forms of wrongful repossession—“breach of peace” and “no right”—and the benefits of learning and enforcing one’s rights, including seeking financial compensation for any and all damages incurred.
Breach of Peace
Breach of peace wrongful repossession happens when repossession agents employ aggressive or unlawful tactics during the repossession process. This can involve acts of physical force, threats, intimidation, or trespassing on private property. Such actions violate an individual’s right to be free from harm and coercion during a repossession.
No Right
No right wrongful repossession encompasses situations where repossession occurs without the creditor having the legal authority to do so. Examples include cases where the repossession agent mistakenly takes the wrong vehicle, seizes a vehicle even though the person is not delinquent, or the bank lacks proper documentation or ownership title. These instances highlight the importance of understanding and asserting one’s rights as a consumer.
Class actions ensure companies who commit widespread harm are held accountable. Often, the injury is too small to justify any one individual bringing a lawsuit. But small individual losses usually mean a large corporate gain, and a class action can be brought efficiently on behalf of everyone else wronged. Class actions thus ensure compensation to those wronged, while imposing the costs of wrongdoing on the bad actor, deterring future wrongdoing. If you think what’s been done wrong to you may have also been done wrong to others, submit your investigation today.
Your telephone privacy has value and must be respected. Under the Telephone Consumer Protection Act (“TCPA”) businesses must have your express consent to autodial or robocall (or robotext) your phone. If you have received robocalls or robotexts to your cell phone without your consent, you may be able entitled to an award of $500 or more per call or message. Our attorneys can help you regain your privacy and seek compensation.
Fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nation’s consumer reporting agencies. These requirements are critical, as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate. Further, the privacy of your information guards against identity theft, a very serious problem that affects your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated, and where your information has not been properly safeguarded. If your credit report is wrong or has been illegally accessed, you may be entitled to cash damages and removal of the inaccuracies.
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There are numerous ways in which a consumer protection attorney can help you, and many of them do not require anything from you. Our attorneys work hard to protect your consumer rights, and you can turn to us when you are facing a variety of legal challenges. In many cases, the defendant pays our fees, meaning many of our services are at no cost to the consumer. Contact our office today to see how our experience and our know-how can help you. We will evaluate your rights at no cost, and help you fight back if you have been harmed or treated unfairly by a company or business.
