Consumer Protection Legal Services
Newhart Legal, P.A. represents Florida consumers in four kinds of cases. Each page below explains what the law requires, what you can recover, and what to do first. The firm also handles deceptive sales and lending claims under Florida's Deceptive and Unfair Trade Practices Act and the Truth in Lending Act.
Credit report errors and identity theft
Equifax, Experian, Trans Union, and the companies that report to them must get your file right and block identity theft accounts.
Debt collector harassment
The FDCPA and Florida's FCCPA forbid harassment, threats, and collecting debts you don't owe, and the FCCPA covers original creditors too.
Mortgage servicer errors
RESPA and Regulation X set deadlines for answering your letters and fixing errors, and Florida law bars collecting charges you don't owe.
Unauthorized charges and billing errors
Federal law limits what you owe for charges and transfers you didn't make and sets deadlines for banks and card companies to investigate.