• Consumer Protection Law and Advocacy — Chicago, IL

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New Mortgage Disclosures coming to help Americans

New Mortgage Disclosure Rules Coming…

For years, consumer advocates have pushed for new, easier to understand disclosures. When you buy a home, the paperwork is overwhelming and, let’s be honest, almost impossible to understand. When you’re presented with papers at a real estate closing, there is never sufficient time to read, review, and process the mountain of documents you’re being…

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Ask A Consumer Lawyer - Bardo Law PC

Consumer Law Q&A: What if I can’t afford an attorney?

Over the years, I’ve spoken with many consumers who want to hire an attorney but assume they can’t afford to hire one.  This couldn’t be further from true.  Many consumer protection statutes have “fee-shifting” provisions within them.  What does that mean?  Well, in simple terms, it means the company we sue may have to pay…

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Debt Collector Harassment

Debt collectors using deceptive practices must refund consumers

The Consumer Financial Protection Bureau announced this week that they have taken action against two large debt buyers for deceptive practices against consumers. Encore Capital Group and Portfolio Recovery Associates allegedly pressured consumers to pay unsubstantiated or out-of-date debts with false statements and churned out lawsuits using robo-signed court documents. The two companies must now refund consumers $61…

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