The Law Offices of Daniel O. Myers focuses on the representation of consumers individually and in class actions against abusive debt collectors, predatory lenders and others.
Predatory mortgage lending practices may include excessive costs and fees, “flipping” a loan by inducing a borrower to refinance to generate fees with no tangible benefit to the borrower, “stripping” equity by making loans based not on the borrower’s income but on the value of the home and “packing” a loan with insurance or other products that are expensive and unnecessary.Other predatory lending practices may feature high-fee credit cards, payday loans, title loans, rent-to-own contracts or Refund Anticipation Loans (RALs).Although anyone may be the victim of predatory lending, the elderly and minorities are especially at risk. For more than 10 years, Dan Myers has been pursuing cases against predatory lenders and has obtained over $100 million in settlements for consumers.
Job loss, illness or divorce can create a situation where consumers fall behind on their bills through no fault of their own.Sometimes a collection agency or debt purchaser may seek to collect a debt on based on incomplete or incorrect information, from the wrong person or for debts already paid off, discharged through bankruptcy or no longer legally enforceable.Even if the original debt was valid, the amount sought by the debt collector may have improperly added fees or incorrectly calculated interest tacked on to it.The law requires people in debt to be treated fairly, and provides for penalties when a debt collector acts abusively.Dan Myers is knowledgeable regarding Fair Debt Collection laws and will ensure consumers are treated fairly.
CONSUMER CLASS ACTIONS
A consumer class action involves one or more class representatives who agree to represent not only themselves but also other consumers in the same situations.Because class claims typically involve financial losses that are too small to be litigated efficiently as individual cases, a class action can provide a powerful tool for redressing systematic wrongs resulting from corporate misconduct, fraud and discrimination.Dan Myers has been appointed lead class counsel or class counsel for classes of consumers in numerous national and state class actions and continues to use the class action device when appropriate.
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