The ethics of today’s business climate aren’t always what they should be, and consumers of all kinds need to be protected from illegal practices. Whether it’s a company that has tried to deceive you or an error in your background check, you need a consumer protection attorney who can offer recourse with experience and understanding. We can offer that and a lot more.

CONSUMER PROTECTION

At Johnson, Rosen & O’Keeffe, we know from experience that good people—smart people–can be victimized by abusive banks or businesses. There’s no shame in falling for an elaborate trick. We can help put your financial life back together by offering sophisticated advocacy to redress corporate abuse and deceit. Our goal is to help you get justice through all available forms of relief. Luckily, many federal and state consumer statutes require the wrong-doer to pay attorney’s fees. This lets us help people in a cost-effective way.

We represent consumers harmed in these situations, among others:

DECEPTIVE ACTS AND PRACTICES

False advertising, bait-and-switch scams, padded prices, and high-pressure sales techniques – there are so many ways that people can get swindled. State and federal laws, including the Virginia Consumer Protection Act, or “VCPA,” often prohibit this sort of nonsense. If you’ve been the victim of this kind of deception, we’ll help you get justice.

LENDER FRAUD AND ABUSE

It’s a fact of modern American life: People borrow money. Credit is so common that a whole complicated area of law called “consumer financial services” has developed to protect people in their dealings with lenders, including banks, credit-card companies, payday lenders, title-providers, and even auto-finance companies. When lenders don’t live up to their obligations, our firm will help protect your rights.

CREDIT-REPORT ERRORS

Under the Fair Credit Reporting Act, or “FCRA,” consumers are legally entitled to the “maximum possible accuracy” of the information contained in their credit reports. Yet credit-report mistakes happen much more often than most people realize. We’ll help defend your credit reputation and get compensation for any harm you’ve suffered.

BACKGROUND CHECK ERRORS

Many employers and landlords use background checks to vet job candidates or potential tenants. Yet errors in credit reports and background checks are all too common. They can unfairly end career moves and limit access to housing. Our firm represents victims of inaccurate background checks and credit reports that violate the FCRA.

AUTO FRAUD

We think you probably know what we’re getting at here. And we’ve got a consumer protection lawyer ready to help.

TELEMARKETER HARASSMENT

Telemarketer and robocall solicitation can be anything from a minor annoyance to a life-deranging disruption. And those calls, along with unsolicited texts and faxes, can often violate federal law. The Telephone Consumer Protection Act, or “TCPA,” bans many types of solicitations and provides a number of remedies to victims of telemarketer harassment. Our firm can help stop the harassment.

RESIDENTIAL CONSTRUCTION

We see it all the time: Honest homeowners get ripped off by shady home-improvement and construction contractors. Inflated prices, poor workmanship, lack of qualifications and licensing, failure to abide by the terms of a contract, broken promises, and even outright fraud – none are uncommon. Virginia has laws to protect you from this sort of abuse. If a contractor fails to comply with them, or has breached your contract, our firm will help you recover compensation.