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Consumer Class Actions

Large corporations cut corners wherever they can and its generally consumers that pay the price. Oftentimes, the unlawful conduct results in small damages to individual consumers. For example, mortgage servicers may charge a small amount of money to consumers to make mortgage payments over the phone that they are prohibited. It is hard for individuals to file a lawsuit over these illegal fees on an individual basis.

These small damages, when done to thousands of consumers, can end up costing millions of dollars in the aggregate. In these situations, it may be best to explore filing a class action lawsuit. Class actions can be used by individuals to enforce the law and obtain compensation against corporations on behalf of numerous victims.


Some of the more common types of violations include:

Unlawful fees: banks, mortgage servicing companies, landlords, and other creditors are prohibited from assessing fees or interest unless allowed by law.

Collecting debt after bankruptcy: many collection agencies have insufficient procedures to protect against contacting consumers after a bankruptcy discharge.

Unfair Debt Collection Practices: original creditors and collection agencies are prohibited from using deceptive and/or abusive tactics in collecting debts, such as misrepresenting the amount or status of the debt or making false or misleading threats.

False Advertising: advertisers cannot make deceptive or untrue statements about a product or service, such as misleading product labeling, false representations about product features, or deceptive information regarding product pricing.

Billing Fraud: there are restrictions against unfair and deceptive billing practices, such as hidden fees and improper auto-renewal charges.

Robocalls:   Unsolicited calls, text messages, and faxes by companies in violation of the Telephone Consumer Protection Act (TCPA).

Unfair Bank and Lender Practices: financial institutions, banks, and mortgage lenders are restricted from including hidden charges, overcharges, or other improper charges and fees to their consumer clients.

This is not a complete list so please do not hesitate to contact our firm for a no-cost consultation if you believe you may have a consumer claim.

North Carolina has a variety of beneficial consumer protection laws that our attorneys can use to obtain compensation for a company’s illegal conduct.


Contact Maginnis Law, PLLC if you believe that you have been a victim of consumer fraud or other unlawful conduct by a business, or just have questions about your rights.


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