Consumer Protection Attorney Serving Nassau County and Long Island
Consumer protection law is not just a defense — it is an enforcement tool. If a debt collector has harassed you, a creditor has reported inaccurate information to the credit bureaus, or a lender has violated federal disclosure laws, you may have an affirmative legal claim — a case you can bring, not just a complaint you can file. Aronow Law P.C. pursues consumer protection claims under the FDCPA, FCRA, TILA, and RESPA for Nassau County and Long Island consumers, in many cases at no out-of-pocket cost because attorney fees are recoverable by statute.
FDCPA and FCRA Violations Create Legal Claims — Not Just Complaints
Attorney Fees Recoverable by Statute in Successful FDCPA and FCRA Cases
No Nassau County Competitor Has Dedicated FCRA, FDCPA, TILA, or RESPA Pages
Consumer Protection Claims Handled Alongside Bankruptcy and Debt Defense
Free Consultations With No Time Limit
Consumer Protection Is Enforcement, Not Just Defense
Most people who have been harassed by a debt collector, hit with a credit report error, or misled by a lender assume they have to absorb it. They file a complaint with the CFPB, dispute the error with the bureau, or simply stop answering the phone. What they do not know is that federal law gives them the right to sue — and that in the most common consumer protection categories, a successful plaintiff recovers not just damages but attorney fees.
That fee-shifting provision changes the economics of consumer protection litigation entirely. For many clients, pursuing a valid FDCPA or FCRA claim costs nothing out of pocket.
Consumer Protection Services at Aronow Law
Child Support
We help parents establish and modify child support orders in accordance with Florida guidelines. Our approach ensures your child’s needs are met while maintaining fair obligations for both parents.
FDCPA Violations — When a Debt Collector Breaks the Law
The Fair Debt Collection Practices Act establishes a specific list of prohibited collector behaviors. Calling before 8 a.m. or after 9 p.m., using threatening or abusive language, misrepresenting the amount owed, contacting a consumer after a written cease-and-desist, calling a workplace after being told calls are not permitted there — each of these is a violation. Successful FDCPA claims entitle the plaintiff to actual damages, statutory damages up to $1,000, and attorney fees paid by the collector.
TILA — Truth in Lending Act Violations
The Truth in Lending Act requires lenders to disclose the true cost of credit — annual percentage rate, finance charges, total payment obligations — before a loan is consummated. When lenders fail to make required disclosures or misrepresent material loan terms, TILA provides borrowers with specific remedies, including the right to rescind certain transactions within an extended period. TILA claims are most common in mortgage lending, home equity transactions, and consumer loan contexts.
RESPA — Real Estate Settlement Procedures Act Violations
The Real Estate Settlement Procedures Act governs how mortgage lenders, servicers, and settlement service providers handle loan origination, servicing, and closing. RESPA prohibitions include kickbacks between settlement service providers, failure to respond to qualified written requests from borrowers, and certain escrow account violations. Homeowners whose loan servicers have ignored written requests, misapplied payments, or failed to properly manage escrow accounts may have RESPA claims. Aronow Law evaluates RESPA violations in the context of the firm's broader mortgage and foreclosure defense practice.
Attorney Fees Are Recoverable — What That Means for You
In both FDCPA and FCRA cases, a consumer who prevails is entitled to have their attorney fees paid by the defendant — the collector or the creditor that violated the law. This fee-shifting provision exists because Congress recognized that individual consumer claims are often too small to attract legal representation on a traditional fee basis.
The practical effect is that a Nassau County consumer with a valid FDCPA or FCRA claim can retain legal representation, pursue the claim through litigation, and — if successful — pay no attorney fees out of pocket. The violator pays them.
Aronow Law evaluates whether a valid claim exists at the initial consultation and explains the fee structure transparently before any representation begins.
Consumer Protection and Debt Defense: Often the Same Client
Many consumer protection claims arise in the same context as debt defense. A client who has been sued by a debt collector may also have FDCPA claims arising from how that collector communicated before filing suit. A client disputing a credit report error after a debt discharge may have FCRA claims against the creditor that continues to report the discharged balance.
Aronow Law handles consumer protection claims alongside
bankruptcy,
debt defense, and
foreclosure matters. Clients do not need a separate attorney for each issue — the full picture is assessed in a single consultation.
Best Decision I made was to call Aronow Law and I received the Best Outcome!! Malini is an outstanding advocate for those navigating the legal system. Knows her stuff. Aronow Law provided swift problem free assistance. My experience working with this firm has been awesome. So very thankful. Would tell everyone to call Aronow Law if you are in need of legal services. You'll be very happy you did.
Kobin W.
Google Reviews
This law firm is the best !! I can’t express how above and beyond they went to help. My grandmother saved her house ! Because of them a house she’s been in since she was a baby is now hers to keep and she’s 80 years old….. They went above and beyond answering any questions although we got frustrated at times they never ever disrespected us and keep to professional always !!! Thanks so luv from the Campbell family :)!
Nanamilan2010
Google Reviews
Best decision I ever made. They did an amazing job helping me through this process always answering my questions and helping me through every single step along the way explaining everything to mean. If you are ever looking for an attorney to represent you in the bankruptcy process, he is the one.
Merlo M.
Google Reviews
Aronow Law did an amazing job handling my bankruptcy case. They not only made the entire process smooth and stress-free, but they also went above and beyond by getting my EZPass tolls discharged—something I didn’t think was possible. Thanks to their incredible work, the suspension on my vehicle registration was lifted, and I was finally able to get back on the road. Highly recommend them!
Suhrob s.
Google Reviews
Frequently Asked Questions About Consumer Protection Law in Nassau County
What are my rights against debt collectors in New York?
The Fair Debt Collection Practices Act gives you the right to demand that a collector stop contacting you, to dispute the validity of a debt, and to be free from harassment, false statements, and unfair collection practices. Violations of these rights create legal claims you can pursue in federal court. New York also has its own state-level debt collection protections that in some respects go further than federal law. Aronow Law evaluates both federal and state claims when a collector has crossed a legal line.
Can I sue a debt collector for harassment in New York?
Yes. If a debt collector has violated the FDCPA — by calling at prohibited hours, using abusive language, misrepresenting the amount owed, contacting you after a written cease-and-desist, or engaging in other prohibited conduct — you can file a lawsuit in federal court. A successful plaintiff can recover actual damages, up to $1,000 in statutory damages, and attorney fees paid by the collector. The collector's violation is what funds the litigation — not your out-of-pocket payment.
How do I dispute a credit report error with an attorney?
The FCRA process begins with a formal written dispute submitted to the credit bureau reporting the error. The bureau is required to investigate and correct inaccurate information within 30 days. If the bureau fails to correct a verified error after a proper dispute, that failure is a FCRA violation. Aronow Law manages the dispute process, documents the bureau's failure to respond, and files suit where the violation supports it. Attorney fees are recoverable in successful FCRA cases.
Do consumer protection cases cost anything out of pocket?
For valid FDCPA and FCRA claims, often no. Both statutes include fee-shifting provisions that require the defendant — the collector or creditor that violated the law — to pay the plaintiff's attorney fees if the case is successful. Aronow Law evaluates whether a valid claim exists at the initial consultation and explains exactly how the fee structure works before any representation begins. The consultation itself is always free.
What is the difference between TILA and RESPA?
TILA — the Truth in Lending Act — governs how lenders disclose the cost of credit before a loan is made. It requires clear disclosure of the annual percentage rate, finance charges, and total payment obligations. RESPA — the Real Estate Settlement Procedures Act — governs how mortgage servicers and settlement service providers handle loan servicing, escrow accounts, and real estate closings. Both apply primarily in the mortgage and real estate lending context, and violations of either can give rise to legal claims.
They Broke the Law. You Have a Claim. Let's Talk.
If a debt collector has harassed you, a creditor has reported inaccurate information after a documented dispute, or a lender has failed to make required disclosures, you may have an actionable consumer protection claim — one that costs nothing out of pocket to pursue if the violation is valid. Aronow Law serves Nassau County and Long Island consumers from the firm's Woodbury, NY office. The consultation is free and has no time limit.
