Leading Consumer and Homeowner Rights Attorneys: Protecting Families, Achieving Economic Justice

Nevada Homeowners Sue Bank of America; Seek Class Action Status

Nevada homeowners sue Bank of America for wrongful foreclosure and wrongful loan modification practices. Nevada homeowners seek class action status.

Bank of America Settles Mortgage Fee Case with FTC for $108 Million

Bank of America settlement with the FTC highlights "junk fees" assessed against homeowners by mortgage servicer Countrywide.

Toyota Allegedly Sought to Discredit Witnesses

Toyota officials allegedly looked to attack the credibility of witnesses who testified before Congress about sudden acceleration problems in recalled vehicles. Meanwhile, Toyota Motors and Toyota Financial Services remain entwined in a massive federal class action lawsuit.

Toyota Financial Services Remains in Toyota Recall Lawsuit

Toyota Financial Services remains entwined in Toyota recall lawsuit because couple allege that they paid too much in finance charges for an Avalon that had an overinflated value.

Toyota Financial Services Credit Rating Cut by Moody's

Toyota Motor Credit Corp. had its credit rating cut by Moody's Investor's Services to Aa2, the third highest grade, from Aa1 according to a statement from Moody's. In 2009, TMCC had a Moody's rating of Aaa. Toyota faces a "material risk" that its operating profit margins will remail well below what is appropriate for its rating "until 2012 at the earliest and possibly beyond," Tadashi Usui, a Moody's analyst, wrote. 

Toyota Motors faces a massive consolidate class action lawsuit over its sudden and unintended acceleration problems and recall which is pending in Federal District Court in California. Toyota Motor Credit Corp, which in conjunction with Toyota Motors, is referred to as Toyota Financial Services, has been recently added to that class action litigation.  

The Massachusetts couple that filed the class action lawsuit against Toyota Financial Services are being represented by Finkelstein Thompson and Phillips & Garcia, P.C.  In their lawsuit, they allege that they bought their 2008 Toyota Avalon from a Toyota dealer in April 2009 and financed it with Toyota Motor Credit Corp. They later experienced incidents of sudden acceleration and underwent Toyota's attempted "fix" of the problem.

Because Toyota Motor Credit Corp. provides financing options for Toyota customers, the couple allege that Toyota encourages customers to finance with Toyota Financial Services. They also assert in their class action complaint that because the value of their Avalon was artificially high (due to the undisclosed defective condition that led to the sudden acceleration problems), then the amount of their financing was also artificially inflated.

If you financed your Toyota car with Toyota Financial and are subject to the Toyota recall, the class action attorneys at Phillips & Garcia, P.C. want to hear your story. We are committed to protecting your best interests and helping you collect the damages that you need and deserve to move on with your life. Contact Phillips & Garcia today to schedule a FREE legal consultation or call us toll free at               (877) 892-5620         (877) 892-5620.

Toyota Motor Credit Corp Added to Class Action by Massachusetts Couple

Toyota Motor Credit Corp., the financing wing of Toyota Motors, has been added to the sudden and unintended acceleration class action litigation by a Massachusetts couple.

The couple, who are being represented by Finkelstein Thompson and Phillips & Garcia, P.C., allege that they bought their 2008 Toyota Avalon from a Toyota dealer in April 2009 and financed it with Toyota Motor Credit Corp. They later experienced incidents of sudden acceleration and underwent Toyota's attempted "fix" of the problem.

Toyota Motor Credit Corp. provides financing options for Toyota customers and the couple alleges that Toyota encourages customers to finance with TMCC. They also assert in their class action complaint that because the value of their Avalon was artificially high (due to the undisclosed defective condition that led to the sudden acceleration problems), then the amount of their financing was also artificially inflated.

The couple's case is part of the larger Toyota sudden and unintended accelration litigation that is currently pending in the Federal District Court for the Central District of California.

If you financed your Toyota car with Toyota Motor Credit Corp (which is also known as Toyota Financial Services) and are subject to the Toyota recall, the class action attorneys at Phillips & Garcia, P.C. want to hear your story. We are committed to protecting your best interests and helping you collect the damages that you need and deserve to move on with your life. Contact Phillips & Garcia today to schedule a FREE legal consultation or call us toll free at (877) 892-5620.

Toyota Recalls Lexus SUVs for Rollover Concerns; Agrees to Pay Record Fine

In response to rollover safety concerns raised by Consumer Reports, Toyota issues recall of Lexus GX460 SUV. In related news, Toyota agrees to pay record $16 million fine for sudden acceleration conduct.

Toyota Motors Fined Over $16 Million

Although the $16 million fine levied by the government against Toyota may seem small, the government findings surrounding the fine could bolster the numerous civil lawsuits against the troubled company

Don’t Be a Victim of Bank Overdraft Fees

It was estimated that in 2009, banks made between $27 billion and $38 billion by charging bank overdraft fees. Fortunately, laws have been approved to protect us against this unfair practice. You can learn about your rights and even fight the fees with the help of a Massachusetts class action attorney at Phillips & Garcia. Call today to schedule your FREE legal consultation – (877) 892-5620.

New Rules Coming for Bank Overdraft Fees

With the signing of the Credit Card Law of 2009, President Obama has made it that banks cannot automatically provide an overdraft protection program. Beginning this year, banks will have to inform their customers first, and give them a chance to accept the protection, or opt-out of it altogether. If you have been a victim of unfair bank overdraft fees, contact Phillips & Garcia today to schedule your FREE legal consultation – (877) 892-5620.

Beware of UCR Rate Reductions

If you keep up with insurance industry news you may have heard the fuss about something called UCR rate reductions. UCR rates are a way for insurers to estimate an average cost of medical care in a specific locale. But your insurer may be low-balling the general cost of care. If this is the case, and you’re stuck with the bill, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an insurance overcharge class action lawsuit.

What are out-of-network fees?

In the insurance industry, out-of-network refers to a medical care provider who has not been authorized by your health insurer. Issues with out-of-network care have arisen due to a practice known as UCR rate reductions. If you’ve been hit UCR rate reductions, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an insurance overcharge class action lawsuit.

Fair Class Action Lawsuit Settlement

How can you tell if you’re being presented with a fair class action lawsuit settlement? If you are ever in doubt of an offer you have received in a class action lawsuit, contact the Massachusetts class action law firm of Phillips & Garcia – (877) 892-5620.

Proper Filing Procedure for a Massachusetts Wage or Hour Violation Dispute

Improper procedure when filing a Massachusetts wage or hour violation dispute can cost you your entire claim. Knowing how to file your dispute is key to recovering your damages. For help, contact the Massachusetts class action attorneys at Phillips & Garcia today – (877) 892-5620.

When to File a Wage & Hour Class Action Lawsuit

You may not be the only employee at your job suffering from unfair wage and hour practices. For help in filing a class action wage and hour violation dispute, contact the Massachusetts class action law firm of Phillips & Garcia – (877) 892-5620.

Examples of Unfair Class Action Lawsuit Settlements

Don’t let the wool get pulled over your eyes when offered an unfair class action lawsuit settlement. If you are ever in doubt of your settlement terms in a class action lawsuit, contact the Massachusetts class action law firm of Phillips & Garcia today – (877) 892-5620

The Fair Debt Collection Practices Act Prohibits Illegal Debt Collection

The Fair Debt Collection Practices Act spells out the regulations which must be followed by any entity which is trying to collect a debt from you. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.

Texas Man Sues Bill Collectors Who Commit Illegal Debt Collection

A Texas man is holding debt collection agencies accountable to the law. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.

Houston Lawyers File Unintended Acceleration Injury Lawsuit Against Toyota

Lawsuit filed for serious injuries against Toyota; four businessmen hurt in 2010 Toyota Camry rented from Hertz Rental while on a business trip

Are You Considering Filing a Debt Collection Class Action Lawsuit?

Filing a debt collection class action lawsuit can be a daunting experience. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.

What Makes a Good Debt Collection Class Action Lawsuit?

Becoming knowledgeable on the specifics of debt collection class action lawsuits can help you determine if you have a case. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.

Harassment & Abuse By Debt Collectors

Are you being abused or harassed by debt collectors? Is the debt collector using any misleading or false representation? Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.

The Validation of Debts in Legal or Illegal Debt Collection

Are you a victim of an illegal debt collection who wants to file a class action lawsuit? Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.

Things Your Debt Collector Cannot Say According to the FDCPA

When debt collectors want money from you they can be very annoying. But some of their tactics can be downright aggressive, and may even classify as illegal debt collection methods. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.

I Want to File a Debt Collection Lawsuit

An individual debt collection lawsuit can be costly, and there is a risk that you may not win your case. A safer alternative to going it alone is a debt collection class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.