What is consumer law?

That is a question I get fairly frequently from both lawyers and clients.  I have spent the last eleven years of my practice helping to ensure that my clients increase their negotiating power in the marketplace, by knowing what rights they have and what obligations a seller has I n every consumer purchase they make. 

Consumer law to me, is a set of tools that a lawyer can use to balance the power in a consumer purchase, so that the sellers and the finance companies don't hold all the cards.  A lawyer well versed in consumer protection laws can help clients navigate the financial pitfalls in every day purchases.  Consumer protection laws were enacted to encourage good business practices in the marketplace, and to provide a remedy for consumers to go after the businesses that don't play by the rules Congress and the Commonwealth of Kentucky have set out.

Both the Kentucky Office of the Attorney General, and the Consumer Financial Protection Bureau of the Federal government share enforcement power of most consumer protection laws.  But the job of consumer agencies is to watch for pattern and practice behavior in the market, and to go after the biggest and worst offenders.  But consumer attorneys act like a private attorney generals in cases where clients have a private right of action, and can take affirmative steps to ensure the laws are followed, consumers are protected, and the marketplace continues to be a fair and balanced place for all. 

There are many subsets of a well rounded consumer practice, and after a decade in legal aid, I am have been given the opportunity to attend training sessions given by the very best in those specific niche areas of law.  From Fair Credit Reporting, to Fair Debt Collection Practices, to Auto Fraud, to Student Loan Servicing, to Truth in Lending, to Bankruptcy protection, consumers can take steps to protect themselves and right wrongs that have been committed.