Consumer Law Attorneys in Phoenix, AZ

At Ramos Law, we have a well-established track record of success in consumer law cases. Our lawyers are experienced in various aspects of consumer law, including:

Claims 

If you are in an accident or your insured asset loses value, it’s crucial to have your insurance claim accepted, approved, and settled promptly. However, taking immediate action is essential if your valid claim is wrongfully denied. If you believe you’ve been unjustly denied an insurance claim, don’t hesitate to contact our team of consumer law attorneys in Phoenix for assistance.

Bad Faith Insurance

Insurance companies must act in good faith and uphold an “implied covenant” to safeguard consumers in every insurance contract in the United States. If your insurance provider acts in bad faith, such as causing unwarranted delays, denying fair settlements, or misinterpreting policy terms, holding them accountable is essential. 

Ramos Law will examine your insurance company’s actions, leverage consumer protection laws, and uncover any loopholes to ensure you receive the rightful compensation you deserve.

Bad Credit Reporting

Your credit score plays a significant role in your ability to acquire major assets like a car or a home, and it should reflect your credit history fairly and accurately. Rectifying inaccuracies when credit card companies, banks, or other financial institutions provide incorrect information to credit reporting agencies is crucial. Consumer rights attorneys at Ramos Law will assist those facing this issue.

Identity Fraud / Theft

Identity thieves exploit your personal information for their benefit, often selling it on illicit platforms like the dark web and black markets. Reclaiming control of your identity is a lengthy journey. However, with the assistance of skilled consumer law attorneys, you can gain the necessary expertise and support to restore your credit standing to its previous status.

Mixed File Cases

Errors frequently occur during the calculation of credit scores by the three major credit reporting bureaus in the United States. If another individual has a similar Social Security number or shares other identifying information with you, their credit history can inadvertently merge with yours, leading to potential issues when they have delinquencies or bankruptcies. 

When a credit bureau generates a “mixed file” due to such mistakes, it becomes the responsibility of the consumer to rectify it, and Ramos Law is here to provide assistance and support.

False Background Check

There are instances where the criminal records of individuals sharing similar identifying information can mistakenly appear on your background check. A single erroneous background check can devastate your employment prospects, leaving you feeling helpless, defeated, and bewildered. However, you don’t have to face this situation alone; the consumer rights attorneys at Ramos Law are skilled in challenging inaccurate criminal records and advocating for you to federal and state authorities to rectify the mistakes.

Unlawful Property Repossession

Regardless of your financial circumstances, you can challenge unlawful repossession. While specific criteria must be met for a legal repossession, if the lender fails to comply with consumer laws, there may be valid grounds for legal action. Seeking guidance from the knowledgeable consumer rights attorneys at Ramos Law is the most effective way to protect your rights and fight against injustice.