Cash for Gold Fraud

The Division of Consumer Affairs found extensive fraud in the cash for gold business. the urban crackdown resulted in nearly 10,000 citations for alleged, civil violations of State consumer protection laws at 71 jewelry stores, pawn shops, and other locations.  In addition, officers confiscated 35 scales that were of types not approved for cash-for-gold transactions, [...]

Overcharging and Deception at Auto Parts Store

A New Jersey investigation found overcharging and misleading advertising at auto parts stores. The State said,  "The investigation, undertaken early last year, found that seven AutoZone stores in Newark, Carteret, Elizabeth, Linden, Flemington, and Plainfield, failed to plainly mark the total selling price on some merchandise." http://www.njconsumeraffairs.gov/News/Pages/03292016.aspx.  A consent order was later executed.  http://www.njconsumeraffairs.gov/News/PressAttachments/03292016_AutoZone_att.pdf The Division [...]

Defective Artificial Turf Claims

  A class action alleges defects in artificial turf athletic fields including premature deterioration. Towns and stadiums may be entitled to compensation or reimbursement.  .The class action suit follows a series of articles in early December by NJ Advance Media, which accuses FieldTurf of covering up defects with its artificial turf products while selling nearly 1,500 fields [...]

Debt Collection Violations

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. (2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. (3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a(f) or 1681b(3)1 of this title. (4) The advertisement for sale of any debt to coerce payment of the debt. (5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

False Advertising and Telemarketers

"The telemarketers generally began their calls by congratulating consumers for qualifying for a special expense reduction program or asking whether the consumer was interested in decreasing his or her debts. Telemarketers generally stated that they were affiliated with the consumer's creditors or lenders, were calling on behalf of the government, or had special relationships with creditors or lenders that enabled them to negotiate debt management deals that were unobtainable by other service providers."

Automobile Extended Warranty Information Sources

lack of maintenance         coverage should accord with the reasonable expectations of the insured and minor gaps should not bar coverage. bogus report                     Frequently the warranty sends out an inspector whose job it is to avoid coverage.             

Automobile Service Plan or Extended Warranty Claims

While many consumers purchase warranty plans for piece of mind, they may find companies refusing to provide coverage.  Here are some typical defenses. pre-existing condition-  any evaluation of the vehicle should have taken place when the policy was written hidden disclaimers           check the company's literature and see if the promises conflict with disclaimers.  If so, that may be false advertising. lack of maintenance         coverage should accord with the reasonable expectations of the insured and minor gaps should not bar coverage.

False or Misleading Made in the U.S.A. Claims

A company which proclaims its product is made in the U.S.A. must live up to that promise.  The FTC has filed actions and private enforcement is equally possible.  For example one case prohibits ae company from making unqualified Made in USA claims for any product unless it can show that final assembly or processing – and [...]

Used Computer & Cellphone Trade-in-Deception

consumers popped their gear in the mail and waited for the defendants to make good on their offer. But once the company had consumers’ equipment in hand, they dropped their buyback price to as little as pennies on the dollar – sometimes just 3%-10% of the original quote.