To exert your rights and protect yourself against unscrupulous marketplace practices, you need to turn to legal counsel if you feel that you have been victimized in a sales or purchase transaction. Consumer laws in Massachusetts prohibit the stealing of identities and protect consumers from buying a “lemon”, or a car with continual mechanical problems. Laws under this category also cover homestead legislation, interest rates, pyramid or Ponzi schemes, and telemarketing.
For example, you may want to speak to a consumer law attorney in Northampton, MA if you have been threatened with eviction or foreclosure. Homestead laws protect people who find themselves in these circumstances. If you feel that your landlord or lender is not following fair practices, you can get the help you need from an attorney.
Excessive Interest Rates
Maybe you suspect that the interest you have been charged for an item is excessive. If so, you should contact a consumer law attorney. He or she can determine if your situation involves usury. For example, the law sets a maximum interest rate for creditor charges and penalizes creditors for rates that go above this set percentage.
Pyramid or Ponzi Schemes
A consumer law attorney can also determine if you have been scammed through a pyramid or Ponzi scheme. These schemes involve the illegal making of money through business models meant to finance the perpetrator while ripping off the consumer.
Did You Buy a “Lemon”?
Many of the lawyers who handle consumer issues deal with identity theft. Identify theft involves using another person’s identifying information, such as birth date or Social Security number, to obtain loans or make purchases. A lawyer can help you too if you bought a car that does not operate as it should. In this case, he or she can help you get a replacement car or refund.
As noted, telemarketing is also covered under consumer law. Telemarketers can only call during certain hours and consumers can get on a “Do Not Call List” to keep from receiving the calls. At Connor Morneau & Olin LLP, attorneys can help you receive the help you need to keep from being treated unfairly or being scammed in the consumer marketplace. Call them to schedule a consultation today.