Consumer Fraud Claims

We understand the frustration and impact that consumer fraud can have on individuals and families.

Insurance Policy Review

Our dedicated team of lawyers is here to provide you with the legal guidance and support needed to seek justice.

Why Choose Us?

  1. Experience: With over 25 years of experience in consumer fraud cases, our legal team has a deep understanding of the laws and regulations governing consumer protection. We have successfully represented numerous clients in similar cases, achieving favorable outcomes and substantial compensation for our clients.
  2. Expertise: Our lawyers specialize in handling various consumer fraud claims, including false advertising, deceptive practices, financial scams, product misrepresentation, and identity theft. We stay up-to-date with the latest developments in consumer protection laws to ensure the best representation for our clients.
  3. Personalized Approach: We believe in providing personalized attention to each client. Our lawyers will listen to your concerns, assess the unique aspects of your case, and develop a tailored legal strategy to achieve the best possible outcome. We understand that every situation is different, and we will work closely with you to protect your rights and seek the compensation you deserve.
  4. Strong Advocacy: Our law firm is dedicated to advocating for consumer rights. We are passionate about holding fraudulent companies accountable for their actions and ensuring that consumers receive fair treatment. We will fight on your behalf, both in and out of the courtroom, to seek justice and obtain compensation available though we cannot guarantee a particular result.

How We Can Help You:

  1. Case Evaluation: Our team will carefully evaluate your case to determine its merits and potential for success. We will gather evidence, review documents, and consult with experts if necessary to build a strong foundation for your claim.
  2. Legal Representation: Should you choose to proceed with your consumer fraud claim, our experienced lawyers will guide you through the entire legal process. We will prepare and file all necessary paperwork, negotiate with the opposing party, and represent you in court if litigation becomes necessary.
  3. Compensation Recovery: Our primary goal is to help you recover the financial losses and damages caused by consumer fraud. We will seek compensation for any monetary losses, emotional distress, and other damages you have suffered as a result of the fraudulent practices.

Take the First Step:

If you have been a victim of consumer fraud or suspect any deceptive practices, we urge you to take action today. Contact us to schedule a free consultation. Our team is ready to listen, understand your situation, and provide expert legal guidance.

I have been a victim of fraud and would like to take action.
I have been a victim of fraud and would like to take action

Remember, time can be important when it comes to consumer fraud claims. Don’t delay in seeking legal advice and representation to protect your rights and hold the responsible parties accountable.

We look forward to assisting you in your fight against consumer fraud.

If you have been a victim of consumer fraud or suspect any deceptive practices, we urge you to take action today. Contact us at (973-598-1980[Office Phone} or (973) 479-5515) (Attorney Cell [or email] to schedule a free consultation. Our team is ready to listen, understand your situation, and provide l guidance.

Defending Claims of Debt Buyers

  1. File Your Answer and Meet Deadlines Someone said, 50% of success in the theatre is just showing up.  Same with debt defense.   Make sure you file your answer in a timely fashion and if there is a court or motion date, you are present.
  2. Require Proof of the Ownership of the Debt from the Alleged Buyer Where’s the proof.  Sometimes a debt buyer will say it was assigned or purchased debt and reference an assignment or other document.
    There is no evidence before the Court of the assignment from GE Capital Retail Bank to Cavalry SPV I LLC. Defendants submit the affidavit of  the Lead Litigation Analyst for Synchrony Bank, formerly known as GE Capital Retail Bank. In ¶ 7, she states: “Synchrony’s records reflect [Plaintiff’s] Account charged-off due to non-payment and was later sold to Cavalry SPV I, LLC.” There is no copy of a bill of sale nor of a contract of assignment. Therefore, Cavalry SPV I LLC, the alleged assignee, has failed to satisfy its burden by a preponderance of the evidence that it is entitled to enforce the arbitration provision in the Bank’s credit card agreement with Plaintiff.  Williams v. Cavalry SPV I LLC, CASE NO. 1:18CV1479, at *6 (N.D. Ohio Aug. 19, 2019).
  3. Serve Discovery  as appropriate

    You may be able to request information about the claim called discovery.  You can generally request documents pertaining to the debt or serve written questions.
    Insurance Policy Review
  4. Consider Arbitration  Some claims may be subject to arbitration which can provide a more consumer-friendly approach.
  5. Consider Representation or Speaking with an Attorney to Discuss Strategy

    We represent clients facing claims and also provide an initial consultation to represent yourself.
    yourself.    Young female executive using phone at office

New Jersey Automobile Dealer Fraud

Frustrated Woman Looking At Broken Down Car Engine

A press release by the Division of Consumer Affairs discusses consumer fraud.   If you

have been a victim of consumer fraud by a dealer, you may be entitled to compensation.

NEWARK – Attorney General Christopher S. Porrino and the Division of Consumer Affairs today announced that a Middlesex County car dealership has agreed to pay $136,000 and change the way it does business in order to resolve the Division’s consumer fraud investigation of the dealership’s advertising, sales, and leasing practices.

Sansone Hyundai, Inc., located on US-1 in Avenel, entered into the settlement to end the Division’s investigation of its alleged activities, including failing to disclose the total price for certain advertised vehicles, and charging consumers for aftermarket merchandise that was listed at “no charge” on certain leases and sales contracts.

“Consumers should be able to purchase a new car without having to worry about misinformation and hidden costs,” said Attorney General Porrino.  “This settlement ensures that consumers will receive transparency and honesty from this dealership, as required by law.”

​“Dealerships must fully disclose all costs and fees associated with the purchase or lease of a vehicle before consumers sign on the dotted line,” said Steve Lee, Director of the Division of Consumer Affairs.  “We will continue to enforce the laws and regulations in place to ensure consumers have the facts they need to make informed decisions.”

In a Consent Order with the Division, Sansone Hyundai, among other things, agreed to:

  • comply with all applicable state and/or federal laws, rules, and regulations, including the Consumer Fraud Act, the Motor Vehicle Advertising Regulations, the Automotive Sales Regulations, and the Consumer Leasing Act;
  • not misrepresent the terms and conditions of any financing or lease plan;
  • not add and charge for aftermarket merchandise, such as window etch or service contracts, without consumers’ knowledge and/or authorization;
  • not represent to consumers that certain dealer-installed options and/or aftermarket merchandise are mandatory when, in fact, they are not;
  • not sell consumers aftermarket merchandise that overlaps or provides similar benefits in part to merchandise the consumer has already purchased through the lease or sale transaction;
  • accurately reflect in leases the “gross capitalized cost” as required by the consumer leasing act;
  • provide consumers with an opportunity to review all leases and/or sales documents and/or aftermarket contracts prior to signing; and
  • not identify the advertised prices of a motor vehicle by reference to the MSRP sticker, when the motor vehicle includes an addendum to the MSRP sticker that reflects a higher total price.

Sansone Hyundai also agreed to make a $136,250 settlement payment to the State.

Investigator Patrick Mullan, of the Division of Consumer Affairs’ Office of Consumer Protection, conducted this investigation.

​ Deputy Attorney General Cathleen O’Donnell from the Consumer Fraud Prosecution Section within the Division of Law represented the State in this matter.

Overpayment Claim Against Health Care Company


The New York Attorney General announced a settlement with a health insurance company regarding overbilling  consumers.

The company charged its insureds improperly out-of-network rates for certain medical providers, including radiologists, pathologists, and anesthesiologists.  Many of the people faced debt-collection lawsuit as a result of overbilling.  The company was also required to  Diagnostic Center, Inc. (“NYMDC”), a New York City health care provider, agreed to cease its practice of balance billing.  When a health care provider “balance bills” a patient, it sends the patient a bill for any amount of its charge that an insurer did not cover—despite the fact that the provider is required to accept the insurer’s payment as payment in full.  New York Attorney General Settles Balance Billing and Overpayment Disputes

If you believe you have been a victim of overbilling, call for a free consultation.


Man in home office on telephone using computer smiling


Common Fraud Complaints

Angry woman sitting on stairs and using tablet

The FTC issued its report on common complaints.

Sometimes victims may be able to obtain recovery from the perpetrator or others.  We provide a free consultation on fraud claims.








1 Imposter Scams 347,829 19% $328M $500
2 Telephone and Mobile Services 149,578 4% $17M $223
3 Prizes, Sweepstakes and Lotteries 142,870 9% $95M $511
4 Shop-at-Home and Catalog Sales 126,387 58% $94M $261
5 Internet Services 45,093 14% $19M $183
6 Foreign Money Offers & Counterfeit Check Scams 31,980 33% $34M $1,008
7 Travel, Vacations, and Timeshare Plans 22,264 18% $38M $1,710
8 Business and Job Opportunities 18,702 34% $47M $1,063
9 Advance Payments for Credit Services 17,762 74% $15M $318
10 Health Care 10,321 8% $1M $175


Call or email us for a Free Consultation.

Man in home office on telephone using computer smiling


Angry woman sitting on stairs and using tablet
This is not what they said it would cost.  

Nearly nine months ago, a federal court in California ruled that an online grocer must refund customers the amount of money they were overcharged when the company broke its own terms and conditions by marking up prices of items ordered online. We finally know how much the supermarket chain will hand over: about $30.9 million.

The fine marks the end of a four-year legal battle in which the plaintiffs alleged that the company  marked up prices for home-delivered groceries by nearly 10% in apparent violation of its own online customer agreement.

Our office is evaluating claims and class action for undisclosed charges, late fees, and unauthorized add-ons.

Call (973) 598-1980 for a Free Consultation on Your Claim

Business call





Angry woman sitting on stairs and using tablet

When you get promised one rate and charged another, it’s frustrating. When it happens to thousands of customers getting service from the same company all at once, it’s probably a sign of a systematic problem. And one report now says thousands of AT&T and DirecTV customers have been complaining about exactly that for years.
When CBS News went digging, it found more than 4,000 complaints against AT&T and DirecTV (the two merged in 2015) over the last two years relating to overcharges, deals, and promotional pricing gone awry.

If you have been deceived by your cable company, you may be entitled to compensation.

Man in home office on telephone using computer smiling


Frustrating Phone Conversation

Are you getting fleeced on appraisal charges when you buy a house or refinance? Could you be paying as much as double what the appraiser is receiving for actually doing the work, with the excess going to an undisclosed third party? Many appraisers say yes. And they’re eager to let consumers know that when the appraisal charge is $500 or $800 or $1,000, they’re frequently being paid just a fraction of that. The rest is going to an “appraisal management” company under contract with the lender to oversee the appraisal process. Management companies hire the appraiser, negotiate fees, review the appraisal and send it to the lender. Management companies often select appraisers willing to work for relatively low fees. In exchange, they make assignments available to appraisers that they might not otherwise receive.   Controversy arises when management companies add 35 to 50 percent surcharges — or more — onto the final bill to the consumer.

Have you been overcharged for goods or services.  Call (973) 598-1980 for a
Free Consultation

Man in home office on telephone using computer smiling

New Jersey Automobile Dealership Investigation

Two New Jersey car dealership have agreed to pay $50,000 to settle claims that they violated New Jersey rules. .  This claim involved something called packing involves telling the consumer the price of the vehicle and then adding additional costs to the purchase.    The dealerships agreed that they would not add additional costs to contracts for car purchases without the customer’s consent.  Other typical claims involve,


  • Sales of Defective Cars
  • Breach of implied or express warranties or service contracts,
  • Sales of salvage vehicles,
  • bait and switch

    Here is a list of dealership where we or other counsel have presented claims, or state records show investigations.*

    Sansone Galleria  (failing to disclose the total price for certain advertised vehicles, and charging consumers for aftermarket merchandise that was listed at “no charge” on certain leases and sales contracts.)
    Loman Ford
    21th Century Auto
    Cars on 21   (dealership allegedly engaged in a host of “unconscionable and deceptive business practices,” including “bait and switch” schemes where the business advertised vehicles at low prices and then refused to sell the cars at the advertised prices.)

    Call for a Free Consultation to Discuss Your Claim

Frustrating Phone Conversation
This is my third call, can I speak with someone about my purchase.  .




*The listing is not intended to express a statement about the dealership practice or assert that they been involved in deception in a particular case.




Towing Company Fraud


A New Jersey Court recently allowed a class action for towing company overcharges.  If your vehicle has been recently towed, you may be entitled to compensation.


Towing Company Defenses

The towing company argued it was authorized to tow vehicles by the town.  The Court rejected the argument,

Here, Pisack is not complaining about the authority of the police to move her illegally parked car. Instead, she complains about certain of the towing charges. The police did not supervise the towing charges. Moreover, the municipal ordinance allowing towing and storage charges does not insulate from challenge a towing company’s actual charges. Indeed, the statute that authorizes municipalities to regulate towing services requires each municipality to provide a dispute resolution procedure, effectively recognizing that towing companies will sometimes overcharge or charge for services  hat are not permitted. N.J.S.A. 40:48-2.54. Furthermore, Pisack did not sue Newark. She sued a privately-owned towing company that charged her for towing her car.

If you have been Overcharged by a towing company, Call (973) 598-1980 for a Free Consultation

Frustrating Phone Conversation
The law says the charges are supposed to be $134.00, but they told me they would not release the car till I paid them $247.00 cash.

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