Consumer Protection

CONSUMER LAW FIRM OF JOHN W. ROPER

CONSUMER RIGHTS
- Auto sales/financing
- Predatory lending
- Credit reporting
- Health clubs
- Illegal debt - collection
- Marketing scams
- Insurance bad faith
- Auto dealer fraud
- Equal Credit Opportunity
- Warranty fraud
- Unfair business practices
- Landlord/tenant
- Truth in Lending
- Home construction fraud

EMPLOYMENT RIGHTS
- Sexual Harassment
- Gender discrimination
- Equal pay
- Title IX
- Race discrimination
- Age discrimination

The Law Offices of John W. Roper will be happy to review your on-line case information at no charge. Please completely fill out the form below and this office will contact you as soon as possible to discuss your situation and/or give recommendations on how to proceed.

Contact Information

First Name:	Last Name:
City:	State:	Zip Code:
Home Phone:	Work Phone:	Cell Phone:

Please leave at least one phone number.

Preferred number to contact you at: Home Work Cell

Best time to reach you: Morning 9 AM-12 PM Afternoon 12 PM-5 PM Evening after 5 PM

Email Address:

How did you learn about this firm:

Please select your problem category. If you have more then one problem, please fill out the information in each category:

Auto Sales or Financing or Repair
Collection Agency Harassment
Credit Report Problem

Car Buyers

There are many Federal and state consumer protection laws that may help you.

Have you been treated unfairly, abused or deceived by a car dealer?: Yes No

Please give the name of the dealer that sold you the car:
How long ago did you have your experience?
Where is the dealer located?
Do you have the papers you got?
Please tell us what troubles you about the deal or car or financing.
Have you suffered any financial damages? If so, describe:

Have they done any of the following:

Yes	No	Misrepresented mileage on the vehicle?
Yes	No	Failed to disclose car's wreck history?
Yes	No	Failed to disclose car's history as a commercial vehicle?
Yes	No	Checked your credit without your permission?
Yes	No	Had you sign a new contract because "financing fell through"?
Yes	No	Sold extended warranty that covered period manufacturer's warranty was in effect?
Yes	No	Failed to timely pay off the loan on your trade-in?
Yes	No	Not properly account for downpayment or trade in sales contract?
Yes	No	Fail to disclose that car was a manufacturer's "buyback".
Yes	No	Forged your signature on one or more documents.
Yes	No	Failed to make warranty repairs as agreed?

Please give any additional detailed information about what the dealer did that was abusive or unfair if not already described above.

Please list any other general questions or concerns regarding auto fraud.

Collection Agency Harassment

If you have been harassed by more than one collection agency, please fill out and submit a separate form for each agency and only include information pertinent to that particular agency.

Have you been treated unfairly, abused or harassed by a collection agency: Yes No

Please give the name of the collection agency that contacted you:
From what states did the collection agency call you?
Do you have any letters from the collection agency?
Please tell us when the harassment or abuse started:
Have you suffered any financial damages? If so, describe:

Have they done any of the following:

Yes	No	Contacted you before 8 AM or after 9 PM?
Yes	No	Contacted friends, relatives, or neighbors after they know where you live?
Yes	No	Called work after being told not to?
Yes	No	Threatened to have you arrested if you did not pay?
Yes	No	Threatened to garnish your wages or bank account without a judgment?
Yes	No	Failed to validate the debt after your request within 30 days of their initial contact?
Yes	No	Did they curse or belittle you?
Yes	No	Made a settlement with you that they breached?
Yes	No	Took unauthorized money (or more money than agreed to) from your bank account?
Yes	No	Failed to report an item as being disputed on your credit report?
Yes	No	Sued you on an account that had been in default for more than 4 years?
Yes	No	Reported an item on your credit file that had been discharged in bankruptcy?
Yes	No	Failed to honor your "drop dead" do not contact me letter?

Please give any additional detailed information about what the collection agency did that was abusive or unfair if not already described above.

Please list any other general questions or concerns regarding credit agency harassment.

Credit Report Problems

Do you have a problem on your credit report? Yes No

Please describe in detail your problem:

Yes	No	Do you have a copy of your report(s) showing errors?
Yes	No	Are you the victim of identity theft?
Yes	No	Has your file been merged with that of another family member or other person with a similar name?
Yes	No	Do any of your credit files show a false negative payment history?
Yes	No	Do any of the accounts show a balance when they were paid in full?
Yes	No	Have you already requested that the false or incorrect information be removed from or corrected on your report?

Did you make this request to the creditor or to the Credit Reporting agency:
Both Neither Creditor only CRA only

Were you denied a mortgage or refinance? If so, please describe the facts of denial.

Were you denied any other credit ( i.e. auto loan, credit card)? If so, please describe.

Any other problems (i.e. universal default rate on credit card, insurance premium increase, denied employment)? If so, please describe.

Aside from this item, what is the general condition of your credit?

How long has this problem been going on?

Please list any other general questions or concerns regarding credit reports.