SouthCoast Class Action Lawyers Protecting Your Consumer Rights

As consumers, you put your trust and hard earned dollars in the hands of corporations, banks, and insurance companies every time you do business. In return for that business, you are guaranteed protections under the law when those companies fail to live up to their end of the bargain.

While the voice of one wronged consumer can easily fall on deaf ears, consumer class action lawsuits are the people's voice, allowing individuals and families who have been taken advantage of the right to seek justice after they have been cheated, scammed or mislead by the unfair or deceptive practices of a company or employer they trusted.

The experienced Massachusetts class action lawyers at Phillips & Garcia have over 10 years of experience defending the rights of consumers against corporate greed and helping those victims receive the financial justice they never would have been able to achieve on their own.

How Do Consumer Class Action Lawsuits Work?

Unlike other types of civil litigation, class action lawsuits can help the interests of everyone who has fallen victim to the unfair and deceptive business practices of a company who put profits before fairness to consumers and employees.

One of the general purposes of class action lawsuits is to give the common person the power to take on Big Corporations or private entities - who can afford the very best legal services - and ensure that those companies are held accountable for unfair business practices which deprived consumers and employees of hard earned money.

If you have been mislead or treated unfairly by a credit card company, mortgage lender, cable or phone company, an insurance company, your employer or a large retailer, you may have questions such as:

How do I file a lawsuit against a business or corporation?
How do I know if my case can be brought as a class action case?
What are the benefits of filing a class action lawsuit?
Do I have to pay the class action attorneys' legal fees and expenses?
Can I file a class action lawsuit with a local Massachusetts attorney?

The class action attorneys at Phillips & Garcia know how to combat large corporations and can answer these questions and more.

Get your questions answered about:

Credit Card Scams, Rate Hikes, and Fees
Insurance Company Denials and Claim Reductions
Forced Placed Insurance
Insurance Company Policy Cancelations
Abusive Debt Collectors
Wrongful Internet Transaction Scams
Phone and Cable Termination and Reinstatement Fees
Wage and Hour Cases and Employee Misclassification Cases
Illegal Bank Loans and Fees
Privacy Class Actions
Disclosure of Private Financial or Medical Information

Get the Justice & Compensation You Deserve

Our firm is devoted to helping you and other victims of unfair corporations seek the justice and financial compensation you deserve. We are dedicated to handling your case with the compassion, professionalism, and legal expertise necessary to protect your rights as a consumer.

If you have been scammed, ripped off, mislead or wronged by a company or employer you trusted, remember that you have the right to hold that company accountable for the money it has deprived innocent consumers and employees. Phillips & Garcia are committed to giving you a voice!

Contact the law firm of Phillips & Garcia today to schedule a FREE legal consultation - (508) 998-0800.

To learn more about class action lawsuits in Massachusetts, request a FREE copy of our book Do I Have A Massachusetts Class Action Case? The Ultimate Hands-On Guide to Wage and Hour and Consumer Class Action Cases in Massachusetts.

A Sample of Class Action Settlements Where Phillips & Garcia
Was Either Lead Counsel and/or Co-Counsel with Other Law Firms

$100 Million class action settlement against Providian Financial Corp. for packing their customers' statements with various fictitious and unauthorized credit card charges.
$100 Million class action settlement against General Electric Capital Corp. for collecting credit card debts discharged in bankruptcy.
$30 Million combined class action settlements against Florida automobile insurers for reducing PIP medical expense claims based on the application of PPO discounts.
$13 Million (approx. value) class action settlement against TOUSA, C. A. (a real estate developer who rescinded on approximately 90 property sales in Naples, FL including the New Bedford class representative's property) for breach of the form P&S and unfair and deceptive acts and practices.
$10 Million class action settlement value against Webloyalty.Com, Inc. for charging consumers memberships in a discount club as part of online transactions with certain online retailers.
$6 Million class action settlement against Mulligan, as CJAM, DCAM and Bristol County Commissioners (estimated $6M in benefits for physical modifications and administrative changes to 6 Bristol County courthouses and 3 registries of deeds to bring them in compliance with the ADA).
$500,000 class action settlement against First USA Bank for mailing credit cards to consumers who had not requested them.
$410,000 class action settlement against PCS, Inc. and Banker=s Life Insurance Company for charging illegal health insurance co-payments due to the wrongful designation of the generic breast cancer drug, Tamoxifen, as a brand-name drug.

Blog for Consumer Class Action Lawsuits

Library for Consumer Class Action Lawsuits:

Fighting Your Unfair Bank Overdraft Fees (Part B)
Description: President Obama took steps to protect consumers against the banking industry with the Credit Card Law of 2009. Included were new rules to regulate the practice of unfair bank overdraft fees. To know your rights in fighting unfair bank overdraft fees, you can contact a Massachusetts class action attorney at Phillips & Garcia today to schedule your FREE legal consultation – (877) 892-5620.
Fighting Your Unfair Bank Overdraft Fees (Part A)
Description: One of the latest ways for big banks to make money is by charging unfair bank overdraft fees. While new legislation is meant to protect consumers from unfair bank overdraft fees, it is still common, and as a victim you have the right of fighting back. To know your rights in fighting unfair bank overdraft fees, you can contact a Massachusetts class action attorney at Phillips & Garcia today to schedule your FREE legal consultation – (877) 892-5620.
Understanding Unfair Insurance Claim Reductions (Part B)
Description: Generally your insurer will give benefits for out-of-network medical fees, though the benefits will be less, and you will have to pay a higher percentage of the costs. If you’ve been hit insurance rate reductions, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an insurance class action lawsuit.
Understanding Unfair Insurance Claim Reductions (Part A)
Description: Insurance companies often find creative ways to avoid paying the money that they owe. One way they may do this is by UCR rate reductions for out-of-network medical fees. In the insurance industry the term UCR stands for “Usual, Customary, and Reasonable” fees. If you’ve been hit UCR rate reductions, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an insurance overcharge class action lawsuit.
Treble Damages Awarded In a Massachusetts Wage and Hour Violation Dispute (Part B)
Description: Knowing what is fair or not in a class action lawsuit for a wage and hour violation dispute is key to receiving the compensation you and your class deserves. Contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Treble Damages Awarded In a Massachusetts Wage and Hour Violation Dispute (Part A)
Description: Massachusetts law allows victims of wage and hour violation disputes to be awarded damages up to triple the initial amount due. To make sure you are receiving fair compensation for your dispute, contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Determining a Fair Settlement in a Class Action Lawsuit (Part B)
Description: Knowing what makes a class action lawsuit settlement fair will help you get the compensation you and the others in your case deserve. Contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Determining a Fair Settlement in a Class Action Lawsuit (Part A)
Description: If you want to walk away from a class action lawsuit with a fair settlement you must consider the other class members. If you ever doubt an offer you’ve received in a class action lawsuit, contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Fighting False Debt (Part B)
Description: Too many people are victimized by false debt claims. If this has happened to you, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.
Fighting False Debt (Part A)
Description: Many Americans are victimized by false debt claims each year. If debt collectors are contacting you about a debt that isn’t even yours, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to talk about your options for filing an illegal debt collection lawsuit.
Illegal Debt Collection Practices (Part B)
Description: Understanding illegal debt collection practices is the first step in seeing if you have an illegal debt class action case. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Illegal Debt Collection Practices (Part A)
Description: Understanding illegal debt collection practices is the first step in seeing if you have an illegal debt class action case. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Filing a Class Action Lawsuit to Fight Illegal Debt Collection (Part B)
Description: If you’ve suffered from illegal debt collection, you should know that you may be able to fight back with help from a Massachusetts class action attorney. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.
Filing a Class Action Lawsuit to Fight Illegal Debt Collection (Part A)
Description: Are you a victim of illegal debt collection practices and need help in filing a class action lawsuit? Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.
Guidelines for Legal Communication by Debt Collectors (Part B)
Description: If a creditor communicates in violation of FDCPA laws, you can file a debt collection lawsuit. An alternative to suing individually is to file a debt collection class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit
Guidelines for Legal Communication by Debt Collectors (Part A)
Description: In order to protect consumers from harassment by creditors and debt collectors, there are federal laws that define the terms of illegal debt collection practices, including guidelines for legal communications. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Cancellation of Insurance May Violate Your Rights (Part B)
Description: If a health insurance company wants to avoid paying your medical claim, they might issue you a cancellation of insurance letter. In such a case you may want to file a class action lawsuit. Consult with an attorney at Phillips & Garcia today - (877) 892-5620.
Cancellation of Insurance May Violate Your Rights (Part A)
Description: If you fail to provide your insurance company with an honest and detailed medical history, you risk the cancellation of insurance policy. However, in some cases a cancellation of insurance policy may violate your rights. Contact Phillips & Garcia today - (877) 892-5620.
Insurance Sales Disclosures (Part B)
Description: Did your bank fail to disclose the terms and conditions of your insurance purchase? If so, you may have grounds for a class action case. Contact Phillips & Garcia today for a free consultation regarding your insurance sales disclosure case - (877) 892-5620.
Insurance Sales Disclosures (Part A)
Description: Were you recently misinformed by your depository institution regarding your insurance purchase? If so, you may have a class action case. Contact Phillips & Garcia today for a free consultation regarding your insurance sales disclosure case - (877) 892-5620.