Binghamton Consumer Lawyer

The proven Binghamton consumer lawyers at the Coughlin & Gerhart, LLP law firm are experienced in the effective resolution of consumer lawsuits as related to protecting consumers from inferior products in New York. Binghamton consumer attorneys are knowledgeable in all areas of general consumer law, including but not limited to consumer fraud, consumer class actions cases and the Fair Credit Reporting Act in Binghamton New York. Clients will have the confidence of knowing that the case is being handled by an experienced and knowledgeable Binghamton consumer lawyer.

Contact a Binghamton Consumer Attorney with
Experience Litigating Many Types of Consumer Claims:

  • Consumer Arbitration
  • Consumer Class Actions
  • Consumer Collections
  • Consumer Credit
  • Consumer Credit Compliance
  • Consumer Finance
  • Consumer Fraud
  • Consumer Law
  • Consumer Litigation
  • Consumer Protection
  • Consumer Rights
  • Fair Credit Reporting Act

Experienced Binghamton Consumer Attorney

New York consumer law, also termed consumer protection law, revolves around the New York and federal laws and agency regulations established to protect the common consumer from inferior, hazardous and/or deceptively marketed products and services, as well as fraudulent or deceptive sales and promotional practices. Both Congress and New York legislatures have passed consumer protection laws tailored to limit conflict in common law that would otherwise let the buyer beware.

Federal and State statutory laws govern consumer protection issues, such as credit transactions, inferior, adulterated, hazardous or deceptively advertised products, and deceptive or fraudulent sales practices. Federal statutes and regulations govern mail fraud, wholesome poultry and meat, misbranding and adulteration of food and cosmetics, truth in lending, false advertising, the soundness of banks, securities sales, standards of housing materials, flammable fabrics, and various business practices.

Congress passed the Consumer Protection Act in part to regulate the consumer credit industry. Credit card companies and credit reporting agencies are governed by the Act, as well as certain debt collectors. It requires creditors to disclose credit terms to consumers. The Consumer Protection Act also protects consumers from loan sharks, restricts the garnishing of wages, and established the National Commission on Consumer Finance to investigate the consumer finance industry. The Act also prohibits discrimination based on sex or marital status in the extending of credit.

The Magnuson-Moss Act (1973) sets minimum standards for product warranties, makes a company that financed the sale responsible for product defects, and creates liability for “implied” warranties (when the circumstances show that a warranty of the product was intended) as well as express (stated) warranties. Some states’ laws regulate door-to-door sales, false labeling, unsolicited merchandise, abusive collection practices, misleading advertising and referral and promotional sales.

Contact A Proven Binghamton Consumer Lawyer

A local Binghamton consumer attorney should be consulted for specific requirements in your area. A Binghamton consumer lawyer is professional and knowledgeable in understanding the details, facts, complications, and circumstances that arise in a Binghamton consumer case.