1. Credit account are closed without a specific reason being given. (Banks have an obligation to give you a reason).

2. Debit card/checking account fraud. There’s a federal law specifically protecting consumers in those cases.

3. Credit card/. Again, a specific federal law for these cases.

What’s noteworthy for each one of these violations, or, more accurately, for each one of these causes of action, is that there is a right to recover attorneys fees. And whenever you have that, then the consumer has an opportunity to find a lawyer who will forgo any payment unless, and until, there is a recovery. That’s how I pursue the vast majority of my cases. I even cover the filing fee for the consumer.

So when I say consumers need to sue their banks, and they get this response of “well they can’t afford a lawyer,“ i’m pretty sure they can afford free. but this pessimistic mindset seems to have taken hold. And I’d like to try and undo it.