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Articles Posted in Consumer Protection

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Antitrust Law – Promoting Fair Competition in Commerce

https://www.youtube.com/watch?v=POSFITzU–c Antitrust laws in the United States – commonly known as competition laws outside of the U.S. – have evolved over the years with an ongoing effort to maintain and support fair competition. The major statute which concerns antitrust law is the Sherman Antitrust Act, originally enacted in 1890. One…

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The New Jersey Consumer Fraud Act

New Jersey’s Consumer Fraud Act (the “CFA”) is one of the broadest, strongest, and most far-reaching consumer protection laws in the country. The CFA states that it is unlawful for any person to use any unconscionable commercial practice in the sale of any goods, services, or even real estate in…

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Collection of Consumer Debts: the Fair Debt Collection Practices Act

In 1978 Congress passed the Fair Debt Collection Practices Act (FDCPA) in an effort to eliminate the abusive tactics used by unscrupulous consumer debt collectors. The Act also provides consumer debtors with a procedure for which they may dispute and obtain verification of the debt. New Jersey business owners need…

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Employers, Consumers, and Contractors in New Jersey Should Be Cautious with Check-Writing

Under New Jersey law, anyone authorized to write a check can issue a stop payment order. A stop payment order tells the bank that it should not honor a check already written and given to someone, but not yet cashed. In New Jersey, a stop payment order is effective for…

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Registration and Contracting Requirements for New Jersey Home Improvement Contractors – a Sword and a Shield

New Jersey’s Contractors’ Registration Act, passed in 2004, requires contractors to register with the Division of Consumer Affairs (known as “the DCA,” a part of the Department of Law and Public Safety in the Attorney General’s Office) and disclose specific information to homeowners in a written contract. Violation of this…

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Proposed Regulations May Give New Jersey Residents and Homeowners Relief in Credit Issues

New Jersey residents face many financial issues – layoffs, business failures, depressed housing prices, reduced wages and overtime, high interest rates, credit card debt, loan and mortgage payments. For years, many New Jersey residents have been pursued by debt collection agencies and attorneys. While some individuals do owe money, some…

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