Consumer Protection
Stand Up for Your Rights
Consumer protection laws exist to guard against unfair and deceptive business practices. From misleading advertising to fraudulent schemes, understand how these laws defend your interests.
Illinois Consumer Fraud Act
Illinois law safeguards consumers against deceptive practices.
Common Violations:
- False advertising
- Deceptive sales tactics
- Hidden or unexpected fees
Your Rights:
- Right to truthful information
- Right to take legal action against violators
Class Actions
When multiple consumers are harmed by the same issue, a class action lawsuit can offer a collective path to justice.
Benefits:
- Strength in numbers
- Shared legal costs
- Potential compensation for affected individuals
RESPA (Real Estate Settlement Procedures Act)
RESPA protects you in real estate transactions.
Important Protections:
- Transparency in closing costs and loan terms
- Limits on escrow account requirements
- Protection from kickbacks and referral fees
Regulation X & Z
Federal regulations that protect your rights in mortgage servicing and credit disclosures.
Important Protections:
- Clear disclosure of credit terms and conditions
- Transparency in loan servicing practices
- Legal recourse if these rules are violated
Mechanics Liens
Mechanics liens can affect your property rights if not properly managed.
Essential Information:
- When a lien can legally be placed
- How liens affect your property ownership
- Steps to dispute or remove invalid liens
Frequently Asked Questions (FAQs)
Quick answers to common questions about consumer rights and protections.
Topics Include:
- Recognizing consumer fraud
- Legal actions you can take
- Resources for consumer complaints
Protect Yourself Today
You deserve fair treatment in all consumer interactions. If your rights have been violated, we’re here to help.
