Category Archives: Consumer Law
Understanding Your Credit Report: Common Errors And How To Fix Them
Credit reports play a major role in our lives. They have an impact on whether you can apply for a mortgage, get the apartment you want, apply for a car loan, and even certain employers might want to check your credit before hiring you. That being said, credit reports are not always accurate. Errors… Read More »
Consumer Contracts 101: What To Watch Out For Before Signing Service, Subscription, Or Home-Repair Agreements In Ohio
Most of us sign everyday contracts without giving them much thought. You could be hiring someone for home repairs, joining a gym, starting a streaming subscription, or picking a new phone plan. But in Ohio, a lot of legal headaches actually start with these kinds of routine agreements. Things like hidden fees, automatic renewals,… Read More »
Your Rights When Creditors Call: How To Handle Debt Collection Harassment In Ohio
When financial pressure builds, the stress of unpaid bills is difficult enough. But for many Ohio consumers, the situation becomes overwhelming when creditors and debt collectors begin calling relentlessly. While collection efforts are legal, harassment is not. Federal and state laws strictly regulate how collectors may contact you, what they can say, and what… Read More »
Understanding Ohio Eviction Laws: Rights And Remedies For Tenants And Landlords
Evictions are tough, no matter which side you’re on. Whether you’re a landlord trying to take back your property or a tenant worried about losing your home, the process can be overwhelming. Ohio has clear, specific rules around evictions, and following them closely is key. Knowing your rights (and your responsibilities) can help you… Read More »
When A Contractor Disappears After A Deposit: Legal Options For Ohio Homeowners
Letting someone into your home to handle renovations or repairs takes some amount of trust. You’re counting on their know-how, management of your deposit upfront, and hoping the job gets done on time. But what if the contractor suddenly stops replying? Or they drag the project out with excuse after excuse. Or worse, they… Read More »
Credit Repair Scams: How Ohio Consumers Can Spot And Stop Them
Many Ohio consumers are working to improve their credit scores, often after financial hardship, medical bills, job loss, or unexpected debt. This has created fertile ground for “credit repair” companies offering quick fixes, fast score boosts, or the promise to “erase” negative marks from your credit report. While some legitimate organizations offer budgeting assistance… Read More »
Your Rights Under Ohio’s Consumer Protection Rules: What To Do If A Business Breaks The Law
Ohio’s consumer protection laws are there to level the playing field between individuals and businesses. Deceptive car sales, unfair debt collection tactics, or misleading advertisements are all conduct that Ohio law protects consumers from. Ohio consumers have strong legal protections that are designed to stop abuse and recover damages from offending businesses. Those who… Read More »
Ohio Consumer Protections You Probably Don’t Know About (And How To Use Them)
The majority of folks don’t necessarily think about consumer protection laws until something in their life goes wrong. A company overcharges, a contractor doesn’t deliver on their promises, or a debt collector refuses to stop calling. What many Ohio residents don’t realize is that both state and federal law provide powerful rights and remedies… Read More »
Understanding HOA Foreclosure In Dayton, OH
Homeowners Associations (or HOAs) are quite common in planned communities. They help maintain shared spaces and enforce community rules. Homeowners in these communities generally pay periodic fees to the HOA to cover costs. If you fall behind on these payments, it can have serious consequences, including the possibility that the HOA will place a… Read More »
How Can Ohio’s RESPA Rights Stop A Wrongful Foreclosure?
Receiving a foreclosure notice can be a frightening experience. The very thought of losing your home, a place where you’ve built so many memories, raised your family, and invested your savings, can overwhelm most people. But before you assume that foreclosure is inevitable, it’s important to know that you have rights under the law…. Read More »