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In a three-year span ending June 4, 2021, the Consumer Financial Protection Bureau received 7,628 complaints from Mississippi residents — or 2.55 complaints per 1,000 people in the state’s population. The vast majority of these complaints concerned errors on consumers’ credit reports.

The CFPB is only one of many state and federal agencies protecting consumers and their rights. Lending practices, debt collections, credit card transactions, deceitful marketing and sales practices, and consumer privacy are all areas regulated by federal and state agencies. Product liability — products that cause injury or illness — is also actionable under common law.

If you find yourself dealing with issues in one of these areas, or any other concerning your rights as a consumer, you can rely on the Ware Law Firm, PLLC, to explain your options to you and help you pursue the best available result, whether it be a correction of a credit mistake or compensation for a wrong done to you. The Ware Law Firm, PLLC, has been serving clients in and around Magee, Mississippi, for more than 20 years. Contact the firm today to schedule a free consultation.

State Laws and Agencies for Consumer Assistance

Title 75 of the Mississippi Code created the state’s Consumer Protection Act. Section 75-24-5 delineates “unfair methods of competition and unfair or deceptive trade practices or acts in the conduct of any trade or commerce,” including misrepresentations of goods and services, false advertising, “bait-and-switch” pricing schemes, and more.

Section 75-24-1 further created an Office of Consumer Protection within the State Attorney General’s Department. The Mississippi Attorney General’s website says that its attorneys “civilly enforce the Mississippi Consumer Protection Act, Mississippi antitrust statutes, the Mississippi data breach notification statute, and other laws such as the federal Fair Debt Collection Practices Act in order to protect Mississippians.”

Federal Laws Protecting Consumer Rights

In addition to the already-mentioned CFPB, which was created as a result of the Great Recession “to provide a single point of accountability for enforcing federal consumer financial laws and protecting consumers in the financial marketplace,” other federal agencies and statutes also offer protection for consumers.

  • The Federal Trade Commission Act (FTCA), enacted in 1914, created the Federal Trade Commission (FTC), whose original goal was to enforce antitrust laws, but with the creation of the Bureau of Consumer Protection, the FTC now vigorously investigates consumer complaints, including deceptive trade practices and violations of consumer protection statutes.
  • The Fair Debt Collection Practices Act (FDCPA) protects consumers against improper debt collection practices. The law protects personal, family, and household debts but not business debts or debts taken out personally for business purposes. It defines a debt collector as anyone using mail or other instruments of interstate commerce to collect a debt. The FDCPA sets limits on times of the day during which debt collectors can contact consumers, and it allows consumers to require collectors to cease communications except through litigation.
  • The Fair Credit Reporting Act (FCRA) regulates the actions of consumer credit reporting agencies (CRAs) like Equifax and others, large and small.  The legislation requires the CRAs to both keep consumers informed of their credit information being stored and also verify information disputed by consumers. The Fair and Accurate Credit Transactions Act allows consumers to receive one free credit report each year from each agency.
  • The Truth in Lending Act (TILA) is aimed at preventing unfair and deceptive practices by bankers and other lenders. It requires full disclosure of all costs and fees associated with a loan, including interest payments and other costs to be paid over the term of the loan at the time of signing the promissory note. It further gives consumers a three-day right of rescission when it comes to loans and mortgages affecting their residence.

Protecting Your Rights

The agencies enforcing these laws are mostly investigative but can order the correction of wrongs and impose new operating procedures and standards on companies found to be in violation. As a consumer, however, you also have the right to bring a civil suit against an individual or company that has abused your rights as a consumer, or otherwise deceived or taken advantage of you. You can do so even while a federal agency is investigating.

If your claim is for damages of $3,500 or less in Mississippi, you can sue in small claims court either by yourself or with the assistance of legal counsel. There is a three-year statute of limitations for filing such a claim.

If the damages and compensation you seek are greater than $3,500, you would need the assistance of an attorney to file your claim in civil court. If others in addition to you have suffered because of prohibited business practices, you may wish to consider a class-action lawsuit. The standard for certifying class-action is that the number of harmed individuals must be too high to be tried separately, which is a fairly high bar.

If you have suffered injury from using a product you purchased, common law allows for you to file a claim based on three types of defects: defect in design, defect in manufacturing, and defect in marketing (the instructions or warnings were lacking or insufficient, leading to your injury). If you believe you have a case, call or reach out to the Ware Law Firm, PLLC today to schedule a one-on-one consultation!

Consumer Law Attorney Serving Magee, Mississippi

The Ware Law Firm, PLLC helps consumers in Mississippi with debt, credit reporting, and other issues. Reach out if you feel you’ve been cheated or defrauded and you’re not sure what steps to take. The Ware Law Firm, PLLC, is proud to serve clients in and around Magee, Mississippi, and throughout Simpson, Smith, Jefferson Davis, Covington, and Southern Rankin counties.

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Aggressive Consumer Protection & Litigation
As far as I’m concerned, you’re more than another case number. I see you — the real person behind the problem.
ONE-ON-ONE ATTENTION
A big advantage of being a solo attorney in a small town is that I can provide my clients with the exclusive time and care they deserve.
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I started practicing law in 1998. With over 20 years of experience under my belt, you can rest assured your case is in good hands.
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If you need to meet outside of normal business hours, or if your situation prevents you from coming to my office, I’m happy to accommodate you.
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Money problems can leave you in fear and desperation

Depressing Hopelessness…

Possible Loss Of Your Home And Property…

Unsure What Comes Next…

We can help.
TALK TO A LAWYER
What Our Clients Say
Christopher Graves
I think reviews from consumer are important; yet, reviews from other attorneys are just as important, in my opinion. Lawyers know the level of integrity, skill, and value-added of their colleagues. With that being said, Daniel Ware can be summed up in sentence: Daniel Ware is your favorite lawyer's favorite lawyer. If I had a civil, criminal, or bankruptcy matter, Daniel would the lawyer I would call.
Kelvin Beverly
Mr. Ware is a very dependable and committed lawyer. He kept me in the loop of what was going on and most importantly he never stopped fighting for my case. That old saying 'He was A-1 from Day-1." Thanks Mr Ware.
Jennifer Bennett
Daniel Ware is an amazing lawyer; very professional and committed. This has been stated over and over again in the reviews. However, he's more than that. Intelligent, compassionate and empathetic you can trust your concerns will be handled. I could go on, but the fact is I'd trust no one else for my affairs. The Ware Law Firm is all I needed.
Offices
216 1st Ave NE Magee, MS 39111
(601) 439-7079
403 Towne Center Boulevard Building 403C Ridgeland, MS 39157
(601) 439-7079