If you have been a victim of consumer fraud there are certain rights and protections afforded to you. There are many forms of consumer fraud. A Louisville consumer fraud attorney can help you discuss your options.
Fraud is intentional deception in order to gain something from the person being deceived. Consumer fraud takes many forms including ATM fraud, credit card scams, investment fraud, and more. Reporting consumer fraud is important to protecting other consumers. If you feel that you've been wronged by a business, you should speak to an attorney.
The most common types of consumer fraud include fake charity scams, identity theft, robocall scams, credit card and debit card theft, debt collection scams, or knowingly selling products in poor or non-working shape, such as used cars.
A phishing scam is when someone attempts to deceive you through email to gain access to sensitive data, such as your passwords, account numbers, Social Security number, or any other identifying information. They usually do this by trying to pass themselves off as an official entity, such as your bank. Be careful about messages that want you to turn over information on websites that you are not familiar with.
There are several government agencies you can file a consumer fraud complaint with. At the federal level, this is typically through the Federal Trade Commission. The Consumer Financial Protection Bureau also handles complaints about financial issues. Locally, your state's attorney general's office also will handle consumer fraud complaints.
It is in your best interest to get legal help early on in addressing your situation. There are times when hiring a lawyer quickly is critical to your case, such as if you are charged with a crime. It may also be in your best interest to have a lawyer review the fine print before signing legal documents. A lawyer can also help you get the compensation you deserve if you've suffered a serious injury. For issues where money or property is at stake, having a lawyer guide you through the complexities of the legal system can save you time, hassle, and possibly a lot of grief in the long run.
The goal of an initial consultation is to find an attorney you are comfortable working with and someone who can help you understand your options under the law. Seek to understand the relevant legal experience the attorney brings to your case. While it is not realistic to expect an attorney to resolve your legal issue during an initial consultation, you should gain a level of comfort with his/her ability to do so. A good consultation can clarify issues, raise pertinent questions and considerations for your case, and help you make an informed decision towards resolving your legal issue.
A reputable attorney will be very upfront about how he/she will charge you. The three most common fee structures that attorneys use to charge for their services are:
Depending on your specific legal situation, it's possible that only one type of fee structure is available. For instance, criminal defense attorneys almost always bill by the hour. In a flat fee arrangement, an attorney accepts a one-time payment to help you resolve your issue. With a contingent fee agreement, the client pays little to nothing upfront and the attorney receives a percentage of the money recovered if you win your case.