Consumer Fraud

Consumer fraud occurs when businesses or individuals engage in deceptive, unfair, or fraudulent practices that harm consumers financially or otherwise. In New Jersey, robust consumer protection laws are in place. If you have been a victim of consumer fraud, the experienced attorneys at Sanvenero & Cittadino Attorneys at Law can help.

What Is Consumer Fraud?

Consumer fraud encompasses various unethical practices that mislead or deceive individuals into purchasing goods or services. These practices exploit the trust of consumers, often leaving them financially vulnerable. Some common examples of consumer fraud include:

• False Advertising: Misrepresenting products or services to lure customers into purchases based on inaccurate information.
• Bait-and-Switch Tactics: Advertising a product at an attractive price but pressuring consumers to buy a more expensive alternative upon inquiry.
• Defective or Unsafe Products: Selling goods that fail to meet safety standards, do not function as advertised, or pose health risks.
• Unlawful Fees or Charges: Adding hidden costs to transactions without notifying or obtaining the consumer's consent.
• Home Improvement and Contractor Scams: Accepting payment for services but failing to deliver quality work or using substandard materials.
• Predatory Lending Practices: Offering loans with terms that exploit borrowers, such as excessive interest rates or undisclosed fees.

These fraudulent activities cause financial harm and erode trust in businesses and marketplaces. Victims of consumer fraud can seek legal recourse, but navigating the complexities of these cases requires experienced legal advocacy.

The New Jersey Consumer Fraud Act

New Jersey has some of the strongest consumer protection laws in the nation. These laws are primarily governed by the New Jersey Consumer Fraud Act (CFA), which was enacted to protect consumers from fraudulent, deceptive, or unconscionable business practices.

Key Provisions of the CFA:

• Prohibition of Fraudulent Practices: The CFA prohibits deception, fraud, false pretense, or misrepresentation concerning selling goods, services, or real estate.
• Broad Scope of Coverage: The law applies to nearly all types of consumer transactions, including purchases of goods, services, or property and contractual agreements.
• Treble Damages: Victims of consumer fraud may recover three times their actual financial losses. This provision serves as a deterrent against fraudulent practices and ensures victims are adequately compensated.
• Reimbursement of Attorney’s Fees: The CFA allows victims to recover legal costs, making it easier for individuals to pursue justice even if they face financial constraints.

The CFA’s provisions are comprehensive, but understanding and applying them effectively in legal disputes requires an attorney who is knowledgeable of consumer protection laws.

What Are Common Signs of Consumer Fraud?

Many consumers may not initially recognize that they have been victimized. Here are some warning signs to watch for:

• Promises that sound too good to be true, such as guaranteed returns on investments.
• Pressure to make quick decisions without time to review terms.
• Unexpected fees or charges that were not disclosed upfront.
• Misleading or unclear terms in contracts or agreements.
• Poor communication or failure to provide receipts, invoices, or documentation.

If you suspect you have been a victim of consumer fraud, taking immediate action can help protect your rights and hold the offending party accountable.

Steps to Take if You Suspect Consumer Fraud

If you believe you have been a victim of consumer fraud, taking the right steps can strengthen your case and improve your chances of a favorable outcome:

• Gather Documentation: Retain all related receipts, contracts, emails, advertisements, and other communications. These documents can serve as critical evidence in your case.
• Report the Fraud: Notify the New Jersey Division of Consumer Affairs or the appropriate regulatory agency about the fraudulent behavior. This step may also help prevent others from becoming victims.
• Consult with a Consumer Fraud Attorney: An experienced attorney can help you understand your legal options, evaluate your case, and develop a strategy to pursue compensation.

Taking swift and decisive action is essential in these cases, as delays can result in the loss of important evidence or the missed filing of claims deadlines.

How Our Attorneys Can Help

At Sanvenero & Cittadino Attorneys at Law, we protect consumer rights and hold businesses accountable for fraudulent practices. Here is how we can assist:

• Case Assessment: We will review your case thoroughly to identify violations of consumer protection laws and assess the potential for recovering damages.
• Negotiation with Defendants: Our team is skilled at negotiating settlements, helping you recover compensation quickly and efficiently.
• Litigation Support: If a fair settlement cannot be reached, we are prepared to represent you aggressively in court.
• Knowledge of the CFA: We understand the nuances of the New Jersey Consumer Fraud Act and how to apply its provisions.

Our team is dedicated to advocating for consumers who have been wronged, ensuring they receive the justice they deserve.