Johnson, Rosen & O'Keeffe LLC Johnson, Rosen & O'Keeffe LLC
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Consumer Protection

We Make Banks and Businesses Play Fair

Johnson, Rosen & O'Keeffe knows from experience that good people can be victimized by abusive banks or businesses. When people fall for those tricks, we help them to put their financial lives back together. Johnson, Rosen & O'Keeffe offers clients sophisticated advocacy to redress corporate abuse and deceit. Our goal is to help our clients get justice through all available forms of relief. Many federal and state consumer statutes require the wrong-doer to pay attorney's fees. This lets us help consumers in a cost-effective way.

We represent consumers harmed in these situations, among others:

Deceptive Acts and Practices

Most people are honest, most of the time. But sometimes, businesses use unfair and deceptive acts and practices to trick consumers into one-sided deals. Think of things like false advertising, bait-and-switch scams, padded prices, and high-pressure sales techniques. State and federal laws, including the Virginia Consumer Protection Act, or "VCPA," often prohibit this sort of nonsense. Our firm represents people who have been the victims of unfair and deceptive acts and practices.

Lender Fraud and Abuse

It's a fact of modern American life: people borrow money. They borrow all the time. Credit is so common that a whole complicated area of law called "consumer financial services" has developed to protect people in their dealings with lenders. Those lenders can include banks, but they also include credit-card companies, payday lenders, title-providers, and even auto-finance companies. When lenders don't live up to their obligations under these laws or try to take money they're not entitled to, our firm helps people protect their rights.

Credit-Report Errors

Under the Fair Credit Reporting Act, or "FCRA," consumers are legally entitled to the "maximum possible accuracy" of the information contained in their credit reports. Yet credit-report mistakes happen-in fact, they happen much more often than most people realize. Our firm represents people who have been harmed by credit-report errors, and helps them defend their credit reputation and get compensation for any harm they've suffered.

Background Check Errors

Many employers use background checks to vet job candidates. Landlords also rely on credit reports to determine whether a potential tenant is likely to pay the rent. Yet errors in credit reports and background checks are all too common. They can unfairly end career moves and limit access to housing. Our firm represents victims of inaccurate background checks and credit reports that violate the FCRA.

Identity Theft

If your identity has been stolen, inaccurate negative information on your credit report can lower your credit score for years. That makes it harder to get a loan, or buy a house, or purchase a car. Our firm represents identity-theft victims in actions against credit bureaus and creditors (not to mention the identity thieves themselves) to get compensation for financial harm and emotional suffering resulting from violations of FCRA and state law.

Auto Fraud

We think you probably know what we're getting at here.

Telemarketer Harassment

Telemarketer and robocall solicitation can be anything from a minor annoyance to a life-deranging disruption. And those calls-along with unsolicited texts and faxes-can often violate federal law. Telemarketers have to follow specific rules and restrictions under the Telephone Consumer Protection Act, or "TCPA." The TCPA bans many types of solicitations and provides a number of remedies to victims of telemarketer harassment. Our firm can help stop the harassment.

Residential Construction

We see it all the time: honest homeowners get ripped off by shady home-improvement and construction contractors. Common issues with contractors include inflated prices, poor workmanship, lack of qualifications and licensing, failure to abide by the terms of a contract, broken promises, and even outright fraud. Virginia has laws to protect people from this sort of abuse. If a contractor fails to comply with those laws, or has breached your contract, our firm may be able to help you recover compensation.

Schedule An Initial Consultation

If you need a compassionate lawyer with experience and a deep understanding of consumer protection, administration and even litigation, then contact Johnson, Rosen & O'Keeffe. We serve clients in Roanoke and throughout Virginia. To schedule a consultation, call 540-904-1619 or fill out our contact form. We accept credit cards.

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