Our consumer fraud cases have involved mortgage overcharges and servicing issues, violations of federal statutes (e.g., RESPA, ECOA, TILA, CROA) and state laws (e.g., UDAP, deceptive trade practices), defective products, failure of companies to honor their product warranties, credit repair frauds, bankruptcy violations, wage-and-hour law violations, and unconstitutional taxes. » read more about our consumer fraud class actions
Contact David Guin, Tammy Stokes or Charles Watkins regarding any consumer law violations.
Pension Miscalculations/ERISA Violations – We have found that many pension plans miscalculate lump sum benefit payments. For some reason, the miscalculations tend to favor the employer. Filing suit under ERISA (the Employee Retirement Income Security Act), we have proven the calculation mistakes and recovered millions of dollars for retirees. Contact David Guin, Tammy Stokes, or Charles Watkins regarding ERISA breaches of fiduciary duty.
Mortgage Servicing and Real Estate Settlement Procedures Act (RESPA) Cases
Our firm has helped numerous consumers with a wide variety of loan servicing issues. Because of our extensive experience litigating RESPA class actions, we have an in-depth knowledge of the federal laws governing mortgage loan servicing. If the people who are servicing your loan have made a mistake and you are having trouble getting their attention, perhaps we can help. Click here for an example from our case files.
We filed the first REPSA case that resulted in a decision by an appellate court. In January of 2002 David Donaldson testified before the U. S. Senate Committee on Banking, Housing and Urban Affairs regarding abusive “yield spread premiums” used by mortgage lenders to pad the fees paid to mortgage brokers so that the brokers would steer loans to the lender. He has also testified before a HUD hearing regarding the racially discriminatory impact of “yield spread premiums” and the use of such fees in the mortgage industry to victimize disadvantaged home buyers. As a result of our RESPA class actions, HUD released its far-reaching 2001 Policy Statement prohibiting “mark ups” of settlement services. Our firm’s RESPA class actions also resulted in reforms in the disclosure of Yield Spread Premiums by the mortgage industry, including new rules requiring mortgage brokers to disclose the fees they are paid by lenders.
For mortgage-related issues, contact Tammy Stokes.
Deceptive Trade Practices
Unfortunately, many companies resort to misleading advertising or false claims of health benefits to sell their products. We have successfully prosecuted state and national class actions to force companies to sell their products honestly and to recover ill-gotten gains. Contact David Guin, Tammy Stokes or Charles Watkins regarding any deceptive trade practices or false advertising.
Building Products Litigation
We have filed numerous class actions against building product manufacturers for selling defective construction material or for refusing to honor their product warranties. Contact David Guin or Charles Watkins regarding any defective construction product issues.