Evans Law Firm, PLLC represents Mississippi Gulf Coast clients in various consumer law matters. If you have a consumer law issue on the Mississippi Gulf Coast, Harrison County, Jackson County, or Hancock County, including Biloxi, D'Iberville, Gulfport, Long Beach, Pass Christian, Bay St. Louis, Ocean Springs, and Pascagoula, contact our office.
Our office is conveniently located in Biloxi, Mississippi, and could assist you. Our goal for each case is to ensure that the consumer law matter is completed with the best possible outcome. Our office has experience in consumer matters. The representation of an attorney increases your chances of a favorable outcome.
The automobile financing industry can be ripe with abuse, and a consumer
can be a victim of an automobile loan scam. Automobile fraud can include
financing that charges for add-ons that were not requested or received, fake
or disappearing down payments, fake trade-ins, and charges for an auto-
mobile turned in for trade. Consumers that have been victims of consumer
abuse need an attorney to assist them in getting out of unfair or oppressive
Mississippi law protects consumers in the purchase of a new defective vehicle. The lemon law can require the manufacturer to provide a refund or replacement for an automobile that has not been repaired within a reasonable number of attempts.
In Mississippi a car dealership cannot represent that the consumer has purchased an automobile and then later repossess the automobile because the financing was not completed or tell the consumer that he/she will need to pay additional money because financing was not completed. This is known as "spot deliver" or "yo-yo" scam. This type of scam violates Mississippi and federal law. An individual that has experienced such a scam should contact an attorney in order to determine if the automobile financing transaction was a scam and to protect his/her rights for compensation for losses and achieve a fair result.
Consumer fraud is a broad term which refers to a number of deceptive and unfair business practices. Consumers may be subjected to corporate wrongdoing from misleading advertising to fraud which involves large amounts of money. Protection against consumer fraud is available through both federal and state laws. A knowledgeable attorney can assist a consumer in recovering his/her losses.
One of the most common types of disputes, between both private individuals and businesses, involves contracts. Contracts can be oral or written. If an individual is planning to utilize a contract then he/she should consult an attorney in order to ensure that the provisions within the contract are valid and well written. If the contracting party has not performed his/her obligations under a contract, then it is important to contact an attorney to bring an action for breach of the contract.
There are three main consumer credit reporting agencies, Equifax, Experian, and Trans Union. These agencies collect information from various public sources, including banks, credit card companies, court records, finance companies, cell phone companies, and other entities issuing credit. All three credit reporting agencies do not necessarily have the same information, because a creditor may not send all reports to all three agencies or the agencies do not use the same public records to collect credit data on the consumer. Credit reports are supposed to contain correct up-to-date credit information that belongs to the individual; however, there are times when the consumer's credit report is incorrect. It is important for the consumer to correct his/her credit report, and may find the guidance of an attorney helpful in this process.
Debt collectors may sue the wrong person on a debt or seek collection of the debt past the statue of limitations, or time period by law, for which the collector is entitled to collect the debt. Additionally, the debt collector may lack the necessary documentation to substantiate the debt. Hiring a knowledgeable attorney can assist the individual in understanding what rights are available.
If someone makes a statement against an individual that is false, that person may be guilty of defamation, also called libel or slander. It is illegal in Mississippi to make false statements against another, whether written or spoken. If an individual is subject to the false statements of another he/she may be entitled to damages.
The Fair Debt Collection Practices Act (FDCPA) protects consumers from harmful collection practices. The Act was enacted to stop abusive practices in the collection of consumer debts, and to offer consumers a means to dispute and validate debt information. The Act creates specific guidelines under which debt collectors may conduct business, and prescribes remedies and penalties for consumers that violate the Act.
Mississippi has its own set of procedures and considerations for foreclosure. Mississippi is a nonjudicial foreclosure state, where the foreclosure takes place without the supervision or involvement of a court of law. A homeowner needing to raise defenses to the foreclosure must file an affirmative action in court which requests an injunction to stop the foreclosure. It is a complicated process to defend against foreclosure, and it is important for consumers to meet with an attorney in order to protect their rights.
Identity theft is a growing problem and requires that a victim fight to get his/her identity back. It can cause various problems with credit reports and debt collection. A victim may find it beneficial to hire an attorney to represent them against creditors in order to resolve issues caused by the identity theft. Additionally, a victim may have to initiate a lawsuit to dispute the fraudulent acts of the identity thief.
Landlord-tenant law affects all aspects of tenancy, and both landlords and tenants have specific rights and responsibilities under the law. Disputes occur when the landlord or tenant fail to comply with those rights and responsibilities. In such disputes a landlord and tenant can benefit from an experienced and knowledgeable attorney that can advise on the proper ways to resolve the issue or to represent them in court if the issue cannot be resolved.
Predatory lending comes in several different forms and involves a financial institution taking unfair advantage of a consumer's financial needs by charging high interest rates, fees, and charges. It may also include unscrupulous, abusive, or illegal actions on the part of the lender to take advantage of the consumer.
If an individual has a claim for a relatively small claim an attorney can assist the individual in preparing his/her case. Even if the individual has claim for a small amount, his/her changes are greatly improved if there is a qualified attorney that can provide representation.
The TCPA prohibits creditors and debt collectors from engaging in certain acts in the collection of debts, including refusing to reveal the creditor's name or contact information, using an artificial voice to communicate with debtors via telephone, and calling after 9:00 p.m. in the evening. Consumers that have experienced abusive practices by debt collectors may have the right of file a law suit against the offending creditor.
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