Credit Fraud

The Grubb Law Group - West Virginia Credit Fraud Attorneys

Consumer credit sales and home mortgages are some of the most regulated transactions in the American economy. Both West Virginia law and federal statutes place certain restrictions on the conduct of mortgage lenders, retailers, debt collection agencies, and credit reporting companies. Nevertheless, we hear so many complaints about fraudulent credit practices you'd think the fair credit laws had never been passed. One of our biggest class action cases involved a retail jeweler that engaged in illegal consumer credit practices.

If you think that you have been damaged by unlawful or deceptive credit practices by a mortgage company or bank, an auto dealer or sales financing company, a debt collector, or a credit reporting agency, contact a West Virginia consumer credit fraud attorney at The Grubb Law Group in Charleston. Our familiarity with the federal and West Virginia statutes that regulate consumer lending, together with our experience in proving all of the elements of our clients' specific claims, can be a major advantage for the prosecution and enforcement of your claim.

The West Virginia unfair credit practices lawyers at The Grubb Law Group represent consumer clients on claims involving the following:

• Unfair practices in the auto sales and retail credit markets, such as "loan packing", or undisclosed charges for credit insurance or disability insurance
• Violations of the Fair Credit Reporting Act, such as false reports of overdue payments or the confusion of another person's credit history with yours
• Predatory lending practices in the residential finance industry, including "mortgage flipping"
• Nondisclosure of balloon payments, adjustable rate terms, default conditions, or other terms in violation of the Real Estate Settlement Practices Act
• Violations of federal truth-in-lending requirements by credit card companies or other consumer retail lenders
• Unfair debt collection practices, such as harassing phone calls or attempts to collect satisfied or unenforceable claims

Our state has a powerful credit practices statute in the West Virginia Consumer Credit and Protection Act, which in many situations goes beyond federal law in protecting the interests of consumers and borrowers. For additional information about resolving your own problems with unfair credit practices, contact the Charleston credit card fraud attorneys at The Grubb Law Group.