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Consumer Class Action Lawsuits
- Do Fall River Residents Billed By MassDOT for Railroad Use Owe the State?
- What is a lawsuit?
- Overdraft Fee Class Actions Help Consumers
- Bank Overdraft Fees in Massachusetts Will Not Stop with New Opt-in Rules
- Nevada Homeowners Sue Bank of America; Seek Class Action Status
- Bank of America Settles Mortgage Fee Case with FTC for $108 Million
- Toyota Allegedly Sought to Discredit Witnesses
- Toyota Financial Services Remains in Toyota Recall Lawsuit
- Toyota Financial Services Credit Rating Cut by Moody's
- Toyota Motor Credit Corp Added to Class Action by Massachusetts Couple
News
- Posted on 6/9/2011Employee Collects Triple Damages After Boston Business Violates Wage Law
- Posted on 3/12/20102000-2003 Toyota Tundra Recall Is Now Nationwide
- Posted on 3/3/2010Toyota Didn’t Properly Investigate Death Involving Acceleration Issue
- Posted on 3/2/2010Medford Man Sues Toyota After Wife Dies in Single-Car Accident
- Posted on 2/26/2010Credit Card Companies Can Still Profit Off Of Unsuspecting Consumers
Library
Testimonials
- "I sent this letter certified after receiving the free guide [from] Phillips & Garcia P.C. Saved Foreclosure. Thanks a million!" A.D. from Colorado
- After seeing first hand what you are up against concerning the big banking companies, we are even more amazed that you are willing to fight the fight. The little guy needs your help and your fearless attitude. You are good people and true Americans. We are honored to be called your friends. R.R. - Mich., Lockout & Trashout Victim
- The attorneys were very professional and I felt as though they always had my best interest in mind. Without them I would have been pushed around and just another number to the bank. N.L., Wrongful Lockout Victim
- Thank you Mr. Phillips. If we hadn't found you the [Bank] would have foreclosed on our property and I can't imagine the misery that they would have caused. S.N. - Arizona
Pay Close Attention to Your Credit Card Disclosures (Part B)
Penalties For Missing Credit Card Payments
The penalties for missing a monthly payment will vary with different cards. Some companies may charge you a substantial fee if your monthly payment is 1 day late. Some companies may raise your interest rate. No matter what your credit card company's approach is, the penalties for default should be clearly defined in any credit card disclosures.
Some company agreements will even penalize you for what they call a Universal Default. A Universal Default means that if you are in default on any of your financial accounts-even with another company-they will penalize you as well. This is just one underhanded tactic that lenders use to get more of your hard-earned money.
Hidden Costs and Unexplained Fees
Unfortunately, the credit card industry does not always have your best interests in mind. They have been known raise interest rates without any cause, and hit you with undisclosed fees or underhanded practices, such as Universal Default. But there is legislation-including the Credit Card Act of 2009-to protect you against these unethical practices.
If you have any questions about the legality of your credit card agreement or your credit card disclosure, or you believe that your rights as a consumer have been violated, you may have a case for a class action lawsuit.
The attorneys at Phillips & Garcia will fight for your rights in your credit card class action lawsuit. We are committed to protecting your best interests and helping you collect the damages you need and deserve to move on with your life. If you have been treated unfairly by credit card companies, contact Phillips & Garcia today to schedule your FREE legal consultation - (877) 892-5620.
Contact Information
Let our legal experts review your case, and we'll help you obtain the compensation you deserve. Begin your case review by filling out the form below:
Phillips & Garcia, P.C.
13 Ventura Drive
North Dartmouth, MA 02747
Toll Free: (888) 449-5343
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