Consumer Protection

Seeking Economic Justice for Consumers

We understand that hard-working people often don’t get the value they deserve for their money. Businesses, especially big ones, are usually more interested in taking your money than they are in giving you value for it. They do this because they can. But sometimes they break the law in the process. That’s when we can help even the score for you. Here are some areas where we can help you.

Michael is a proud member of the National Association of Consumer Advocates:
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Automobile Fraud

Buying a car is usually the most expensive purchase you will make other than your home. Since most people need cars, and they cost a lot of money, there are literally hundreds of billions of dollars spent on them every year in America. This means that there is a lot of room for unscrupulous practices in automobile dealerships and that people are often taken unfair and illegal advantage of. Here are some car buying scenarios that we can often help with.

  • When the Dealer Hides or Lies About the Car’s Negative History
  • When the Dealer Sells you a Lemon
  • When the Dealer Uses Illegal Pricing, Sales, or Financing Techniques
  • Dealer Add-ons, Yo-yo Sales, Vehicle Leasing Scams
  • Auto Subleasing Brokerage Scams
  • Unauthorized Credit Checks
  • Discrimination Against Women and Minorities
  • Wrongful Repossession and Illegal Collection Activities

Residential Real Estate Sales and Home Rental or Improvement Fraud

  • When the Seller or Broker Hides or Lies About the Condition of the Home
  • When Mobile Home Manufacturers and Dealers Fail to Live Up to Their Warranties
  • When Landlords Abuse their Tenants (More about this under ” Landlord/Tenant”)
  • Home Improvement Scams

Fraud in the Sales of Goods and Services

  • Telemarketers
  • Vocational Schools and Student Loans
  • Immigration Consultants — Notarios
  • Telephone Service Frauds — Slamming
  • Timeshares, Resorts, Massage or Health Spa Membership Scams
  • Nursing Home Facilities Frauds

Credit Reporting Violations and Debtor’s Rights

  • Harassment by Debt Collectors
  • Consumer Credit Counseling Scams
  • Debt Settlement or Debt Elimination Scams
  • Credit Reporting Violations
  • Credit Repair Scams

Predatory Mortgage Lending and Home Defense

  • Predatory Lending
  • Foreclosure Defense
  • Home Rescuer Foreclosure Rescue Scams

Non-mortgage Credit and Fringe Lenders

  • Payday Loans
  • Title Lenders and Pawn Brokers
  • Refund Anticipation Lenders
  • Rent to Own

Contact us at  info@winget-hernandez.com or 434-589-2958