Informational Legal Article Library

Are you unsure if you have a wrongful bank foreclosure case? Do you want to read about what makes a driver at fault for a car accident? Do you want to fight against the unjust actions of a company but don't know where to begin? We hope that the following library of legal articles will help you better understand your case and answer any basic legal questions you may have at the beginning of your legal journey. Have a specific question about your case? Contact us today to talk to an experienced Massachusetts attorney.

Library Categories:

Consumer Class Action Lawsuits:

Fighting Your Unfair Bank Overdraft Fees (Part A)
Description: One of the latest ways for big banks to make money is by charging unfair bank overdraft fees. While new legislation is meant to protect consumers from unfair bank overdraft fees, it is still common, and as a victim you have the right of fighting back. To know your rights in fighting unfair bank overdraft fees, you can contact a Massachusetts class action attorney at Phillips & Garcia today to schedule your FREE legal consultation – (877) 892-5620.
Fighting Your Unfair Bank Overdraft Fees (Part B)
Description: President Obama took steps to protect consumers against the banking industry with the Credit Card Law of 2009. Included were new rules to regulate the practice of unfair bank overdraft fees. To know your rights in fighting unfair bank overdraft fees, you can contact a Massachusetts class action attorney at Phillips & Garcia today to schedule your FREE legal consultation – (877) 892-5620.
Understanding Unfair Insurance Claim Reductions (Part A)
Description: Insurance companies often find creative ways to avoid paying the money that they owe. One way they may do this is by UCR rate reductions for out-of-network medical fees. In the insurance industry the term UCR stands for “Usual, Customary, and Reasonable” fees. 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.
Understanding Unfair Insurance Claim Reductions (Part B)
Description: Generally your insurer will give benefits for out-of-network medical fees, though the benefits will be less, and you will have to pay a higher percentage of the costs. If you’ve been hit insurance rate reductions, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an insurance class action lawsuit.
Treble Damages Awarded In a Massachusetts Wage and Hour Violation Dispute (Part A)
Description: Massachusetts law allows victims of wage and hour violation disputes to be awarded damages up to triple the initial amount due. To make sure you are receiving fair compensation for your dispute, contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Treble Damages Awarded In a Massachusetts Wage and Hour Violation Dispute (Part B)
Description: Knowing what is fair or not in a class action lawsuit for a wage and hour violation dispute is key to receiving the compensation you and your class deserves. Contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Determining a Fair Settlement in a Class Action Lawsuit (Part A)
Description: If you want to walk away from a class action lawsuit with a fair settlement you must consider the other class members. If you ever doubt an offer you’ve received in a class action lawsuit, contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Determining a Fair Settlement in a Class Action Lawsuit (Part B)
Description: Knowing what makes a class action lawsuit settlement fair will help you get the compensation you and the others in your case deserve. Contact the Massachusetts class action attorneys at Phillips & Garcia today for a FREE consultation – (877) 892-5620.
Fighting False Debt (Part A)
Description: Many Americans are victimized by false debt claims each year. If debt collectors are contacting you about a debt that isn’t even yours, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to talk about your options for filing an illegal debt collection lawsuit.
Fighting False Debt (Part B)
Description: Too many people are victimized by false debt claims. If this has happened to you, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.
Illegal Debt Collection Practices (Part A)
Description: Understanding illegal debt collection practices is the first step in seeing if you have an illegal debt class action case. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Illegal Debt Collection Practices (Part B)
Description: Understanding illegal debt collection practices is the first step in seeing if you have an illegal debt class action case. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Filing a Class Action Lawsuit to Fight Illegal Debt Collection (Part A)
Description: Are you a victim of illegal debt collection practices and need help in filing a class action lawsuit? Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.
Filing a Class Action Lawsuit to Fight Illegal Debt Collection (Part B)
Description: If you’ve suffered from illegal debt collection, you should know that you may be able to fight back with help from a Massachusetts class action attorney. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file an illegal debt collection lawsuit.
Guidelines for Legal Communication by Debt Collectors (Part A)
Description: In order to protect consumers from harassment by creditors and debt collectors, there are federal laws that define the terms of illegal debt collection practices, including guidelines for legal communications. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Guidelines for Legal Communication by Debt Collectors (Part B)
Description: If a creditor communicates in violation of FDCPA laws, you can file a debt collection lawsuit. An alternative to suing individually is to file 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
Cancellation of Insurance May Violate Your Rights (Part A)
Description: If you fail to provide your insurance company with an honest and detailed medical history, you risk the cancellation of insurance policy. However, in some cases a cancellation of insurance policy may violate your rights. Contact Phillips & Garcia today - (877) 892-5620.
Cancellation of Insurance May Violate Your Rights (Part B)
Description: If a health insurance company wants to avoid paying your medical claim, they might issue you a cancellation of insurance letter. In such a case you may want to file a class action lawsuit. Consult with an attorney at Phillips & Garcia today - (877) 892-5620.
Insurance Sales Disclosures (Part A)
Description: Were you recently misinformed by your depository institution regarding your insurance purchase? If so, you may have a class action case. Contact Phillips & Garcia today for a free consultation regarding your insurance sales disclosure case - (877) 892-5620.
Insurance Sales Disclosures (Part B)
Description: Did your bank fail to disclose the terms and conditions of your insurance purchase? If so, you may have grounds for a class action case. Contact Phillips & Garcia today for a free consultation regarding your insurance sales disclosure case - (877) 892-5620.
Forced Place Insurance in Massachusetts (Part A)
Description: Have you recently been affected by a forced place insurance policy? If so, you may have grounds to file a class action lawsuit against your mortgage lender. Contact Phillips & Garcia today for a free consultation regarding your forced place insurance case - (877) 892-5620.
Forced Place Insurance in Massachusetts (Part B)
Description: Has your mortgage lender taken advantage of you through forced place insurance? If so, you may be entitled to compensation for your damages. Contact the experienced Massachusetts consumer rights lawyers at Phillips & Garcia today for a free consultation regarding your forced place insurance case
Overview of an Insurance Class Action Lawsuit (Part A)
Description: There are several ways in which big insurers may deny you the money you deserve. They may reduce your payment, miscalculate your rebate, or flat-out deny your claim. If you have been treated unfairly, you may have a case for an insurance class action lawsuit. Call Phillips & Garcia for a consultation - (877) 892-5620.
Overview of an Insurance Class Action Lawsuit (Part B)
Description: A strong insurance class action lawsuit is a case in which numerous consumers have been harmed materially or financially by an insurance company’s practice or policy. If you feel you have a case, you should gather all relevant documents and contact Phillips & Garcia today - (877) 892-5620.
Are You a Victim of Illegal Debt Collection Methods? (Part A)
Description: There are laws to protect consumers against illegal debt collection methods. If a creditor violates your rights, a debt collection class action lawsuit may be your way of fighting back. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Are You a Victim of Illegal Debt Collection Methods? (Part B)
Description: A victim of illegal debt collection methods may file a private lawsuit. Another option, which has various advantages, is to file 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.
What To Do in the Case of Unethical or Illegal Insurance Claim Denials (Part A
Description: While most insurance companies act in good faith, some may behave unethically, or illegally, to maintain a profit. If you are a policy holder who has received an insurance claim denial, you should contact Phillips & Garcia for a consultation - (877) 892-5620.
What To Do in the Case of Unethical or Illegal Insurance Claim Denials (Part B)
Description: If the appeal of your insurance claim denial is unsuccessful, your next option may be to hire a class action attorney. An attorney will investigate your claim, and if your case meets certain requirements, they may file an insurance class action lawsuit. Call Phillips & Garcia today for a consultation - (877) 892-5620.
How to Handle Illegal Debt Collection Practices (Part A)
Description: Creditors and collection agencies are generally impatient, and they may resort to illegal debt collection practices. There are procedures which qualify as illegal debt collection methods under U.S. law. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
How to Handle Illegal Debt Collection Practices (Part B)
Description: The Fair Debt Collection Practices Act (FDCPA) gives credit consumers various legal protections. If a creditor uses illegal debt collection practices, you are entitled to defend yourself through litigation. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a debt collection class action lawsuit.
Massachusetts Credit Card Privacy Laws and You (Part A)
Description: If you think that your credit card company has illegally shared your personal financial information, contact a class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a Massachusetts class action lawsuit.
Massachusetts Credit Card Privacy Laws and You (Part B)
Description: When your privacy protection rights have been violated, contact a class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a Massachusetts class action lawsuit.
Massachusetts Bad Faith Insurance & Your Consumer Rights (Part A)
Description: If you think that you are a victim of Massachusetts bad faith insurance practices, contact a bad faith insurance class action attorney at Phillips & Garcia, P.C. 877-892-5620 for information regarding filing Massachusetts class action lawsuits.
Massachusetts Bad Faith Insurance & Your Consumer Rights (Part B)
Description: If you think that you are a victim of Massachusetts bad faith insurance practices, and you suspect that other consumers have experienced similar wrongs, contact a bad faith insurance class action attorney at Phillips & Garcia, P.C. 877-892-5620 for information regarding filing Massachusetts class action lawsuits.
How Do I Start a Class Action Case? (Part A)
Description: Have you been wronged, ripped-off or injured by a large company or corporation? If you believe that there are other consumers in your situation, you may be entitled to file a class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
How Do I Start a Class Action Case? (Part B)
Description: Have you been wronged, ripped-off or injured by a large company or corporation? If you believe that there are other consumers in your situation, you may be entitled to file for a class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
Who is Covered in a Class Action Lawsuit? (Part A)
Description: If you have been cheated or wronged by a large company or corporation, and you believe that there are other consumers in the same situation, you may be eligible to file a class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
Who is Covered in a Class Action Lawsuit? (Part B)
Description: If you have been cheated or wronged by a large company or corporation, and you believe that there are other consumers in your same boat, you may be eligible to file a class action lawsuit. Contact a Massachusetts personal injury attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
How Do I Start a Credit Card Class Action Lawsuit? (Part A)
Description: If you’ve been the victim of unethical credit card lending practices, you may have a case for a class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 today!
How Do I Start a Credit Card Class Action Lawsuit? (Part B)
Description: If you’ve been the victim of unethical credit card lending practices, you may have a case for a class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 today!
Pay Close Attention to Your Credit Card Disclosures (Part A)
Description: Credit cards can sometimes attack customers with hidden fees, charges, annual percentage rate hikes, and changing grace periods. Be sure you read your credit card disclosures and statements carefully. If you feel you have been the victim of unfair credit card practices, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
Pay Close Attention to Your Credit Card Disclosures (Part B)
Description: When choosing a credit card, consider the terms and conditions of the disclosure agreement. You will want to know the penalties for missing payments, and if you are subjected to universal default. If you feel that you have been the victim of fraudulent or misleading credit card disclosures or practices. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
How to Fight Excessive Fees and Overcharges by Your Credit Card Company (Part A)
Description: Credit card companies are increasingly issuing excessive fees and overcharges to their customers. If you’ve been the victim of a credit card’s excessive fees, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
How to Fight Excessive Fees and Overcharges by Your Credit Card Company (Part B)
Description: Consumers are often treated unfairly by credit card companies. While it is difficult for an individual to win a legal battle against a large company, consumers may band together to file a class action lawsuit. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
What Can I Do About My Credit Card Rate Increases? (Part A)
Description: Nearly all credit card holders will be subject to a rate increase with or without notification from your credit card company. There are steps you can take to protect yourself. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
What Can I Do About My Credit Card Rate Increases? (Part B)
Description: The Credit Card Act of 2009 is meant to protect consumers against unfair practices by credit card companies. If you feel that your rights have been violated, contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 to file a class action lawsuit.
What to Expect When Meeting With a Class Action Attorney (Part A)
Description: If you think your legal matter may be eligible for a class action lawsuit, you probably have many questions. Learn about what to expect when meeting with a class action attorney. Contact a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620.
What to Expect When Meeting With a Class Action Attorney (Part B)
Description: If you have been scammed, cheated, or wronged by a BIG corporation or employer, you’ll want to consult a Massachusetts class action attorney at Phillips & Garcia, P.C. 877-892-5620 today! Learn what to expect when meeting with a class action attorney.