Whether representing an individual or a class action case, DannLaw is committed to protecting the rights of those who have been harmed and holding powerful institutions accountable.
Currently, our team is investigating cases involving:
DannLaw advocates for consumers and families harmed by financial institutions, debt collectors, servicers, and companies that rely on deceptive or abusive practices. Our consumer protection attorneys use powerful federal and state laws to stop unlawful conduct, challenge abusive collection activity, pursue damages, and hold powerful institutions accountable.
We handle complicated consumer protection matters involving debt collection abuse, consumer fraud, student loan disputes, forced arbitration, electronic transfer issues, deceptive lending, and mortgage servicing misconduct. These cases are not always simple, but DannLaw has built its reputation on taking on well-funded institutions and using the law to create real leverage for ordinary people. If you’re unsure if you have a case, reach out to us at 216-373-0539 to discuss your situation today.
A consumer protection attorney steps in when a company or financial actor crosses legal boundaries through unfair practices, deceptive conduct, abusive collection behavior, or unlawful discrimination. That can include filing lawsuits, defending consumers against collection-related claims, stopping foreclosure or collection activity, challenging misleading contracts, and seeking compensation for financial harm.
For our clients, consumer protection work is about more than explaining legal rights. It’s about using those rights to force accountability, protect homes and finances, and pursue outcomes that make a meaningful difference for our clients and their families.
Not Sure if Your Rights Have Been Violated?
Talk with our team about what happened, your legal options, and what you can do next.
A consumer protection claim may exist when a business or financial institution causes harm through deception, abusive conduct, discriminatory treatment, or violations of disclosure and servicing requirements. You may also have a claim:
Many valid claims start with a simple concern. Something about the transaction, collection effort, or servicing process did not seem right, and the company refused to fix it. That is often the point where a review by DannLaw can help determine whether the conduct violated consumer protection laws and what remedies may be available.
Yes, in many situations consumers can sue companies, debt collectors, lenders, servicers, or other institutions for fraud, deceptive conduct, unlawful collection tactics, servicing violations, and other misconduct.
The right claim depends on the facts, the type of transaction, the state involved, and the laws that apply. In New Jersey, for example, the Consumer Fraud Act is one of the strongest such laws in the country and may allow victims to recover up to three times their actual damages along with attorney’s fees.
Depending on the statute and facts involved, a consumer protection case may allow recovery of financial losses, statutory penalties, fee awards, court costs, injunctive relief, and in some matters punitive damages.
The available recovery depends on the law involved and the facts of the case. In some matters, the most important relief is stopping a foreclosure, collection effort, or abusive pattern of conduct. In others, the focus is on financial compensation and long-term accountability.
Consumer protection cases often turn on details, timelines, account records, notices, contracts, and communications. At DannLaw, our process typically includes:
This is why early case review matters, especially when a collection lawsuit has already been filed or when foreclosure or ongoing account activity is creating immediate risk.
DannLaw’s consumer protection attorneys have a long-standing focus on using powerful laws to protect consumers and families, stop foreclosures and collection activity, and secure justice and financial damages against lenders, banks, mortgage servicers, debt collectors, and other corporate predators.
The attorney you choose matters because these cases are often document-heavy, aggressively defended, and shaped by technical statutes that reward precision and experience. DannLaw has handled hundreds of consumer protection matters and has substantial experience in RESPA litigation.
If a company, lender, servicer, or debt collector has harmed you, DannLaw is ready to review your situation and explain your options. Call 216-373-0539 to speak with DannLaw about a potential consumer protection claim.
DannLaw’s consumer protection practice covers a wide range of cases involving financial abuse, fraud, and unfair business conduct. If you believe a lender, debt collector, or company has violated your rights, contact DannLaw at 216-373-0539.
Many companies bury arbitration clauses in contracts to keep disputes out of public court and limit accountability. We handle forced arbitration matters for consumers who have been pushed into one-sided dispute systems after being harmed by a company’s conduct.
We assist borrowers dealing with private student loan lawsuits, aggressive debt buyers, and collection pressure tied to private education debt, including defenses such as lack of proof, overstatement of the balance, identity theft, and statute-of-limitations issues.
We represent consumers who were misled by false promises, hidden terms, deceptive sales tactics, unlawful fees, bait-and-switch practices, or other dishonest conduct in a consumer transaction. Consumer fraud claims may arise in lending, servicing, sales, home-related transactions, and many other business dealings where a company’s misrepresentations caused financial harm.
Older adults are often targeted by scams, deceptive solicitations, high-pressure sales, and financial exploitation. We evaluate whether those acts support claims under consumer protection laws and whether legal action may help recover losses and impose accountability.
Debt collectors cannot use harassment, false statements, unfair pressure, or deceptive tactics to collect money. We represent consumers facing repeated calls, misleading collection notices, improper threats, and other abusive conduct that may violate federal consumer protection laws.
Consumers are increasingly pushed into fraudulent electronic transactions, including scam-induced transfers and Bitcoin ATM payments. Because the Electronic Fund Transfer Act and related statutes already address unauthorized transfer issues, this service area fits naturally within the broader consumer-protection framework for unlawful or deceptive electronic payment activity.
Many valid consumer claims start with conduct that seems frustrating but manageable at first, only becoming clearly actionable after the harm escalates. Common warning signs include:
Other examples include a mortgage servicer moving forward with foreclosure while a loss-mitigation application is under review, a lender failing to provide required disclosures, a company making unauthorized electronic withdrawals, or a collector calling after consent has been revoked. These are the types of issues consumer protection laws were created to address.
DannLaw’s consumer protection practice is built on a group of federal and state statutes that give consumers the right to challenge unlawful conduct and, in many cases, recover damages and attorney’s fees.
RESPA is one of the most important consumer protection statutes enacted in the past 25 years because homeowners can now seek and receive substantial financial compensation from big banks and mortgage companies engaged in abusive and/or illegal practices.
The Act’s rigid guidelines govern every aspect of mortgage loan servicing after origination including the loan modification process. It prohibits dual tracking, which occurs when servicers foreclose on a home while a loan modification is being reviewed, requires servicers to provide homeowners and their attorneys with detailed information upon request, and establishes specific methods for resolving disputes. Servicers are subject to statutory damages of up to $2,000 per violation of the law’s provisions and may be liable for attorney’s fees and court costs.
Successful suits can generate substantial settlements. RESPA makes it economically feasible for attorneys who practice consumer law to take on and pursue difficult cases against well-heeled banks and mortgage companies and the “tall building” law firms that represent them. Despite the complicated nature of the cases and the time it takes to prepare and litigate them, we decided to focus on this area of practice for two reasons: first because the Act provides an effective way to help people save their homes and rebuild their lives and, second, because the financial costs violators incur may deter future abuses.
DannLaw has built extensive experience in RESPA litigation and handles RESPA cases in federal courts across the country. We conduct seminars and training sessions on the law and are currently serving as co-counsel with outstanding law firms that have filed RESPA actions in federal courts across the nation. We firmly believe this area of the law will expand in the years ahead as more homeowners and attorneys become aware of its potential for securing justice and just financial settlements for borrowers who have been abused.
Signed into law in 1978, EFTA, which establishes the rights and responsibilities of all parties who participate in electronic funds transfer activities, is growing in significance due to the explosion in internet commerce. The Act governs matters related to ATMs, direct deposit, pay-by-phone, payments made via the internet, electronic check conversion and debit card transactions.
The Act requires financial institutions and companies that facilitate electronic fund transfers to provide consumers with the following:
A notice about the fees that may be charged for using a third-party ATM.
The EFTA is implemented through Regulation E, which is enforced by the Consumer Financial Protection Bureau (CFPB) and other federal regulators. Consumers have a private right of action under the Act. Institutions that violate the EFTA may be liable for actual damages, statutory damages of up to $1,000.00, along with reasonable attorney’s fees and costs.
ECOA makes it unlawful for any creditor to discriminate against any applicant for any credit transaction on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant’s income is derived in any part from a public assistance program, or or because an applicant exercised rights under the Consumer Credit Protection Act or the Truth in Lending Act.
Any entity that regularly makes credit decisions including banks, retailers, bankcard companies, finance companies, and credit unions are covered by the act. ECOA applies to most credit decisions. Its application to mortgage loan modifications is more limited, so each situation has to be evaluated carefully.
The Act is a powerful tool for consumers because civil penalties can include $10,000.00 in punitive damages, actual damages as well as attorney’s fees.
Enacted in 1978, the FDCPA is the most well-known federal consumer protection statute. Its primary purpose is to prevent third party debt collectors from using abusive, unfair, false, or deceptive practices to collect debts. Violators of the Act may be liable for statutory damages, actual damages, and attorney’s fees. The FDCPA generally applies to third-party debt collectors, not to creditors collecting their own debts.
Courts in different regions have interpreted the FDCPA in different ways. For example, some courts in the Sixth Circuit have limited statutory damage awards in certain types of FDCPA cases, which makes the specific facts and legal strategy especially important.
The TCPA’s explicit purpose is to limit the use of automatic telephone dialing systems (ATDS) and artificial or prerecorded voice messages by telemarketers. Since its passage in 1991, the TCPA has been expanded to cover the use of ATDS’s and voice messages by debt collectors.
The TCPA limits the use of automatic dialing systems and prerecorded or artificial voice messages. It applies to calls and texts made to cell phones as well as landlines. In general, debt collectors and telemarketers may not call or text a cell phone using an autodialer or prerecorded voice without the consumer’s prior express consent. The Federal Communications Commission (FCC) has clarified that consent can be revoked orally or in writing, and that consumers may have claims when those rules are violated.
Statutory damages under TCPA range from $500.00 to $1,500.00 per call and may be applied to each and every call made if it is found that a debt collector willfully violated the Act. The ability to “stack” damages serves as an effective deterrent and provides just compensation for consumers who have been victimized by aggressive debt collectors who willfully violate the law.
TILA governs a wide range of credit transactions including mortgage loans, credit card transactions, student loan financing, and car loans. The Act requires lenders to disclose important information to borrowers before they sign credit applications. The required disclosures include the annual percentage rate (APR), term of the loan and total costs. TILA also gives borrowers a “right of rescission” that enables them to cancel home equity loans or lines of credit and mortgage refinancing transactions under certain circumstances.
Lenders that violate TILA are subject to statutory damages, actual damages, and may be forced to pay court costs and plaintiff’s attorney’s fees. Because the Act covers a broad spectrum of issues in very specific ways, consumers, as well as lawyers who do not regularly practice this type of law, should consult with DannLaw’s highly experienced attorneys before pursuing claims.
Not Sure if Your Rights Have Been Violated?
Talk with our team about what happened, your legal options, and what you can do next.
“The Marc Dann Law Firm represents people that struggle with corporate entities that take advantage when you are not looking. Honestly I really don’t advocate any legal service, but there are some seem to stand up for what’s right. Marc Dann firm falls in that group.”
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