Consumer Finance Claims
After the 2007-2008 financial crisis, financial institutions came to the spotlight for their deceptive and abusive practices. The result was an increase in regulations to protect consumers from ever powerful banks and lenders. For example, the Consumer Financial Protection Bureau, established new disclosures and the now common 3-day-rule before banks can close on a residential loan. The goal of the rule was to give the consumer, after reading the comprehensive disclosures, a chance to change her mind, in case there was a dramatic difference between what was offered and what was being given at the endโwhen the borrower was at risk of breach on the purchase sale contract.
The disclosure has very specific rules and requirements that have to be strictly complied with and that can subject lender to liability.
At Ayala, we have experience in both, lending transactions and consumer litigation. This combination puts us in a unique position to understand cases where consumers have been abused by misrepresentations or lack of proper disclosures by powerful financial institutions.
Consumer Protection
At Ayala we are passionate about protecting and representing the little guy. Consumers often feel powerless in the face of misleading promises and poor services from giant corporations. A phone company charges you an additional, previously undisclosed fee. A landlord cheats a small amount to each tenant on the Common Area Maintenance (aka CAM) fees. A large company discloses, without your permission your private data. Normally, the size of these claims would not justify the expense and attorney work required to prevail against large entities who, at the same time, have the best legal resources in the world. Thankfully, the law provides for the class action device, in which one aggrieved consumer can file a case for him/her, and on behalf of other similarly situated. Grouping cases makes them more financially viable. If you are in a situation where you feel you were wronged by a large entity and feel powerless, give us a call. We may be able to help you.
Complex Injury Cases
Serious injuries are a life changing event. At Ayala we are trial-ready. We have all the capabilities and expertise to represent you in your injury case through trial and appeal. We do not take your typical car accident case. Our focus is complex, serious injury cases, those that require a trial ready team, and enough resources to go the distance. If you must know one thing about us, it is that we fight. We will fight for you and spare no resources in your injury case.
