Consumer Protection

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Real Estate Settlement Procedures Act (RESPA)

Has your lender wrongfully denied your loan modification application?
Have you been in review for a loan modification for months?
Have you received foreclosure paperwork or sale date notices while working with your lender on a loan modification?

The Real Estate Settlement Procedures Act (RESPA) protects consumers from abusive lending practices and requires lenders to provide greater amounts of information to prospective borrowers at certain points in the loan settlement process.  RESPA mandates lenders to provide consumers with a full disclosure of fees, costs, and their affiliated business arrangements. RESPA also prohibits various practices, such as kickbacks, referral fees, unpaid fees, and it limits the use of escrow accounts.

You have rights. Under the protection of RESPA, Aronow Law can contest any illegal activities by your lender and help you to collect substantial payments for damages. We will represent you in suing mortgage lenders for violations that may include:

  • Misapplication of escrow funds
  • Receiving or providing kickbacks or referral fees to other lenders
  • Withholding information that by law you have a right to know
  • Credit report violations
  • Failure to review your loss mitigation application within 30 days

If you feel that you have been deceived by your mortgage company, causing you financial hardship or even the loss of your home, contact the experts at Aronow Law.

Creditor Harassment

Are you being harassed by creditors?
Are constant collections calls causing you stress and anxiety?
Are you afraid to answer the phone or open the mail?

Creditors and lenders often violate your federal rights; there are laws in place to protect you, the consumer, and Aronow Law can actively seek monetary damages for these violations. There are no upfront legal fees for these services.

Fair Debt Collections Practices Act (FDCPA)

The FDCPA is a federal law that provides limitations on what debt collectors can do when collecting certain types of debt. It is designed to govern debt collection practices and prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you.

Aronow Law can advocate the following on your behalf:

  • Sue the creditor for damages if they are violating the laws of debt collection practices
  • Stop harassing phone calls and letters from; debt collectors, student loan collections, and/or mortgage corporations
  • Challenge and dispute any debts that you think you do not owe
  • In addition, if we file suit you do not pay for legal fees under this law; they will be paid for by the creditor


Fair Credit Reporting Act (FCRA)

The FCRA was created to protect consumers by promoting accuracy, fairness, and privacy regarding your credit reports.

Aronow Law can help you:

  • Sue the credit reporting agencies and/or the creditor for damages, including your distress
  • Identify false credit reporting practices
  • Fix any false information on your credit report
  • Dispute misreported debt based on identity theft or mistaken identity
  • In addition, if we file suit you do not pay for legal fees under this law; they will be paid for by the creditor

Telephone Consumer Protection Act (TCPA)

The TCPA was created to protect consumers from the constant contact and harassment of telephone solicitors. This law covers automated and “robo” calls made to both land lines and cell phones. The TCPA prohibits the use of automatic telephone dialing systems to call wireless phones and to leave prerecorded telemarketing messages on landlines without consent.

If you are a victim of these harassing phone calls and messages, Aronow Law can:

  • Defend you against unsolicited and harassing contact including robo and autodial calls and junk faxes
  • Sue solicitors for up to $1500.00 per phone call

Aronow Law will vigorously defend your rights; your right not to be harassed on the phone; your right not to have these solicitors intrude upon your phone privacy. In conjunction with the national Do Not Call Registry. Aronow Law will fight for you.


Call anytime to get your questions answered!