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• 'No evidence of failure' after US recall fixes: Toyota
• U.S. satisfied with Toyota recall remedy: By John Crawley John Crawley
• GM to make its own electric motors in 2013: By DEE-ANN DURBIN, AP
• Ford, Subaru, VW Win Insurance Industry Picks: By Ken Thomas
• 10 SUVs That Keep Going and Going and Going...: by Eric Mack Monday, July 20, 2009
• Most Popular Cars of 2009: By Jeff Voth, CarNews Media
• Volkswagen Steals Toyota's Crown as World's Largest Automaker: By Sean Tucker
• 6 Car Buying Mistakes You Might Have Made: by Katrina Ramser
• The 5 Best Low-Cost, High-Mileage Cars: By Ron Amadon
• Toyota to recall 3.8M vehicles over floor mats: By By Ken Thomas, Associated Press Writer

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Library

• Virginia Lemon Law
• Virginia Lemon Law Articles
• Virginia Lemon Law Case Results
• Auto Fraud
• Auto Fraud Articles
• Auto Fraud Case Results
• Fair Debt Collection Practices Act (FDCPA)
• FDCPA Articles
• FDCPA Case Results
• Credit Fraud & Identity Theft
• Credit Fraud & Identity Theft Articles
• General

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Case Results

• Virginia Lemon Law
• Virginia Lemon Law - Motor Vehicle Warranty Enforcement Act
• Virginia Lemon Law Cases
• Lemon Law Case Results With Chrysler Vehicles
• Lemon Law Case Results With General Motors Corporation
• Lemon Law Case Results With Ford Motor Company
• Chrysler Violates Lemon Law, Has To Repurchase the Vehicle And Pays Over $70,000 in Legal Fees
• Auto Fraud
• Richmond Dealer Guilty of Fraud, Punitive Damages Awarded

Awarded: $34,000 in punitive damages

• Dealership Found Guilty of Fraud in Sale of BMW
• CAR DEALER ORDERED TO PAY $140,000 + FOR FRAUD, CLAIMS POVERTY
• Auto Fraud Case Results
• Charlie Falk Auto Wholesale, Inc. Pays Judgments
• Settled Case - Auto Fraud
• Settled Case - Prior Wreck Auto Fraud
• Automobile Fraud
• Auto Fraud - Settled Case
• Car Dealership Pays Over $114,500 For Fraud In Selling Wrecked Vehicle

Awarded: Over $114,500

• Misrepresentation costly for Norfolk dealership

Awarded: $114,400

• Fair Debt Collection Practices Act
• FDCPA- Case Results and Settlements

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Lemon Law

Are you the not-so-proud owner of a Lemon? You don’t have to be. In Virginia, there are many legal rights in place to guarantee consumers either get the cars they paid for or their money back. Learn more about becoming Lemon-free and actions you can take to get there.

» You think you have a Lemon? Click Here!

Auto Fraud

Odometer rollbacks, salvage or flood vehicles, yo-yo sales, credit consolidation sales, resale of damaged vehicles without full disclosure. These are just a few of the ways car dealerships and sellers practice auto fraud on consumers. Learn more about how to protect yourself from auto fraud.

GET SIX QUICK STEPS TO AVOID AUTO FRAUD!!

Credit Fraud

In today’s world of electronic banking and lending, consumers invest an extraordinary level of trust in our financial institutions. When that trust is violated by bank employees, it can cost consumers thousands in damages and years in repairing their credit standings. Learn more about credit fraud and how the Consumer Law Group can help you.

Credit Reporting Companies:

• Experian
  (800) 583-4080
  www.experian.com
• Trans Union Corporation
  (800) 888-4213
  www.transunion.com
• Equifax Credit Information Services
  (800) 685-1111
  www.equifax.com
• CSC Credit Services
  (800) 759-5979
  www.csc.com

Get More Information >

The Consumer Law Group:
ACCEPTING REFERRALS STATEWIDE

As of Tuesday, April 28, 2009, our office has relocated.  The new address is:

The Consumer Law Group, P.C.
5905 West Broad Street
Suite 303
Richmond, VA  23230

Need Lemon Law advice? John Cole Gayle, Jr. is the co-author of Virginia's Lemon Law, and helped get it passed.

Lemon law, credit fraud, auto fraud and victims of Fair Debt Collection Practices Act (FDCPA) in Virginia now have a safe place to turn when seeking legal recourse to protect and defend their consumer rights against auto manufacturers, car dealerships, debt collectors and financial institutions. Founded by attorney John Cole Gayle, Jr., the Consumer Law Group offers a strong and affordable legal response for Virginia consumers.

The Consumer Law Group was founded on our strong belief in and support of the tenets of the free enterprise system. We believe that manufacturers, businesses, contractors, entrepreneurs and sellers have the right to pursue a profit for the goods and services they offer. We also believe buyers and consumers should have many options available to them when making a purchase for goods and services. When competition among sellers thrives, an educated consumer wins. In our view, ensuring consumer satisfaction is the ultimate purpose of a strong free enterprise system.

When the integrity of free enterprise is compromised, however, the consumer invariably loses. Without an honest and evenhanded respect for free enterprise, the seller or supplier of goods and services is compelled to misrepresent the products they are selling in order to gain an unfair advantage over its competition. When consumer satisfaction becomes secondary to profit, fraud is an inevitable result, and legal action must be taken to correct this and restore balance to the marketplace.

The Consumer Law Group extends its legal services to victims of Fair Debt Collection Practices Act (FDCPA), Auto Fraud and Credit Fraud. The Consumer Law Group also specializes in Lemon Law, leading consumers out of the entrapment of lemon vehicles, such as cars, trucks, vans, SUVs, RVs, chassis of motor homes, and motorcycles.

Virginia Lemon Law

Lemon car, SUV, truck, RV problems in Virginia? Contact John Gayle, the Richmond consumer law attorney who co-wrote Virginia's Lemon Law, or his staff for a free and accurate initial consultation regarding your lemon law claim.

Auto Fraud

Do you believe you've been a victim of auto fraud? Contact John Gayle, the Richmond consumer law attorney who wrote Virginia's Lemon Laws, for a free and accurate consultation regarding your lemon law claim.

Fair Debt Collection Practices Act

Fair Debt Collection Practices Act prohibits debt collectors (not creditors) from engaging in abusive, deceptive, and unfair practices. The FDCPA does not apply to your original creditor.

Credit Fraud & Identity Theft

Based in Richmond, Virginia, The Consumer Law Group represents victims of credit card fraud and other forms of credit fraud. Contact John Gayle and The Consumer Law Group today for help with your credit fraud or identity theft case.

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Frequently Asked Questions

• Virginia Lemon Law

• Does my vehicle qualify under the Virginia Lemon Law?

• What is the Virginia Lemon Law and how does it work?

• What types of vehicles are covered by Virginia's Lemon Law?
• Does Virginia's Lemon Law cover used vehicles?
• What is a "lemon" vehicle?
• Are business vehicles covered by Virginia's Lemon Law?
• Is there a time deadline to file a Lemon Law claim?
• The manufacturer wants to give me an extended warranty instead of replacing my car. What happens if I accept it?
• I have a lemon and the manufacturer has agreed to replace it but it wants me to pay for the mileage. Do I have to do that?
• How many times do I have to give the dealer the chance to fix my car before it qualifies as a lemon?
• If I have a lemon, what remedy am I entitled to?
• Do I have to pay any attorney fees?
• What are some Lemon Law tips?
• How do I notify the Manufacturer of any problems?
• Does the consumer have 3 days to change his mind and return a car to the dealership?
• What can the consumer do if the vehicle appears to be a lemon, and the vehicle is older than 18 months?
• Auto Fraud

• If I am unhappy with the way my vehicle is performing, should I stop making payments on it and let it be voluntarily repossessed?

• How does a voluntary repossession of a vehicle hurt me?

• How can a consumer find out the history of a used vehicle prior to purchase?

• What should a consumer do about claims against a dealership that has gone out of business?

• What can I do if the dealership contacts me after the sale, and wants me to re-sign the paperwork, or bring the vehicle back because the financing could not be worked out, all after being told that it was a “done deal”?
• How can a consumer determine if his vehicle was wrecked prior to being sold to him?
• What can a consumer do if she pays a mechanic to fix her car, and they replace the wrong part, while charging her for a different part?
• What can a consumer do if a mechanic is negligent in repairing the vehicle, and this negligence leads to a future problem or an accident?
• What should a consumer do when a warranty company rejects honoring the warranty because they claim the consumer did not maintain the vehicle, or that the consumer abused the vehicle?
• What should a consumer do once he knows that the vehicle was wrecked prior to being sold to him?
• Fair Debt Collection Practices Act

• What should I do if a debt collector sues me?

• Do I have any recourse if I think a debt collector has violated the law?

• Can federal benefits be garnished?

• Can I control which debts my payments apply to?

• Can a debt collector garnish my bank account or my wages?

• What practices are off limits for debt collectors?

• Can a debt collector keep contacting me if I don’t think I owe any money?

• What does the debt collector have to tell me about the debt?

• Can a debt collector contact anyone else about my debt?

• How can I stop a debt collector from contacting me?

• Can a debt collector contact me any time or any place?

• What types of debts are covered?

• How do I stop collection calls?

• Can the funds in my bank account be seized or frozen by collectors?

• What are the Statutes of Limitation on a debt?

• Are charged off debts still collectable?

• How does FDCPA help me?

• Credit Fraud & Identity Theft

• If I am unhappy with the way my vehicle is performing, should I stop making payments on it and let it be voluntarily repossessed?

• How does a voluntary repossession of a vehicle hurt me?

• Your Credit Report: What should you know?
• Was I denied credit because of a bad credit report?
• How do I locate the Consumer Reporting Agency that has my file?
• Do I have the right to know what the credit report says?
• Is this information free?
• What can I do if the information on my credit report is inaccurate or incomplete?
• What can I do if the Consumer Reporting Agency won't modify the credit report?
• How long can Consumer Reporting Agencies report unfavorable information on my credit report?
• What if I think a Consumer Reporting Agency has violated my rights under the law?
• How do I order a copy of my credit report?
• What can a consumer do if there is an error on his credit report?
• What should a consumer do if his identity has been stolen and used to obtain credit?
• What are some ways to avoid Credit Fraud & Identity Theft?
• How do I get my annual free credit report?

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