A class action is a legal procedure used to efficiently handle a lawsuit in which a large number of people have been injured by a common act or set of actions. Class actions are often used to seek monetary damages and injunctive relief resulting from violations of the anti-trust laws (such as price-fixing conspiracies and monopolization cases); securities law violations (such as fraudulent financial statements and market manipulation); consumer law violations (such as violations of the federal Truth-in-Lending Act, claims under the Magnuson-Moss Warranty Acts, and violations of the Telephone Consumer Protection Act); consumer fraud (such as hidden, unlawful or excessive charges on credit cards, utility or telephone bills); insurance disputes (such as wrongful denial of life, health or disability insurance benefits); civil rights violations; employee benefits disputes; and environmental, toxic and other mass torts (like toxic chemical exposure and spills and defective products, drugs and medical devices).

Frequently, damages suffered by individual class members are relatively small; only by combining claims is it feasible for class members to seek recovery in court. The attorneys representing lead plaintiffs in effect serve as "private attorneys' general," assisting in the enforcement of federal and state laws by representing large groups of victims.

Our attorneys have experience handling class action and large, multi-plaintiff cases involving violations of federal consumer protection laws, insurance and contract matters, and investor fraud. If you (or your business) believe that you have been injured or wronged by the conduct, negligence or fraud of a corporation, lender, employer, lender or creditor, insurance company or manufacturer, you may have a potential cause of action.

For information about the firm's current class action case again Fulton-Dekalb Hospital Authority d/b/a Grady Memorial Hospital and Grady Health System, please click here.

PREDATORY LENDING

During the past 10-15 years, predatory lending has become one of the most pervasive and costly forms of consumer abuse. Examples of predatory or abusive lending tactics include: excessive, unlawful or hidden charges and fees; illegal interest rates; low installment payments coupled with a large balloon payment; prepayment penalties that lock borrowers into high-cost loans; forced-insurance; loans that exceed the borrower's ability to pay; excessive loan-to-value ratios for secured loans; and service loans (e.g., home improvement loans) where the borrower does not receive equivalent value for the debt incurred. Predatory lending practices are present across the entire lending industry, most frequently arising in first and second mortgages, home improvement loans, automobile and mobile homes sales, rent-to-own transactions, and payday, tax refund anticipation, and auto title pawn loans. Typical victims include seniors and the elderly, low-income earners, military personnel, the under-educated, and those in extreme financial distress.

Our firm is currently reviewing and accepting cases involving various types of predatory lending matters. If you recently refinanced your home, financed a vehicle purchase, took a short-term loan, borrowed against a future paycheck or tax refund, were charged excessive fees and interest, or otherwise feel you have been taken advantage of in connection with a loan, you may have a potential legal claim.

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