Online Privacy

Privacy is a central element of the FTC's consumer protection mission. In recent years, advances in computer technology have made it possible for detailed information about people to be compiled and shared more easily and cheaply than ever. That has produced many benefits for society as a whole and individual consumers. For example, it is easier for law enforcement to track down criminals, for banks to prevent fraud, and for consumers to learn about new products and services, allowing them to make better-informed purchasing decisions. At the same time, as personal information becomes more accessible, each of us - companies, associations, government agencies, and consumers - must take precautions to protect against the misuse of our information.

The Federal Trade Commission is educating consumers and businesses about the importance of personal information privacy, including the security of personal information. Under the FTC Act, the Commission guards against unfairness and deception by enforcing companies' privacy promises about how they collect, use and secure consumers' personal information. Under the Gramm-Leach-Bliley Act, the Commission has implemented rules concerning financial privacy notices and the administrative, technical and physical safeguarding of personal information, and it aggressively enforces against pretexting. The Commission also protects consumer privacy under the Fair Credit Reporting Act and the Children's Online Privacy Protection Act. Use the topic links on the left to read more about our efforts in each of these areas, including what we've learned, and what you can do to protect the privacy of your personal information.

Lawrence E. Feldman & Associates, represent businesses and consumers on matters concerning the Computer & Internet Litigation. Our attorneys who are experienced in leading you through such complicated legal issues. We're not only can provide you counsel and advice, but also representation in lawsuits and other types of dispute resolution. Lawrence E. Feldman & Associates achieved a successful resolution for a client that purchased defective computer imagesetting equipment.

Investment Law

Broker fraud includes many types of wrongdoing: misrepresentations, churning, unsuitable investments and other acts of greed, incompetence and negligence by stockbrokers, financial planners, and others in the securities industry.

These actions sometimes cause investors to lose their inheritances, their retirement or even their life savings! Securities regulators "police" the securities industry and issue fines and suspensions. To recover their losses investors must file claims for recovery. Statistics demonstrate that they are far more likely to recover if they are represented by experienced attorneys. Since investors sign account documents at brokerage firms which almost always contain binding arbitration clauses, most claims against brokerage firms must be resolved in securities arbitration.

Lawrence E. Feldman & Associates, represent businesses and consumers on matters concerning the Computer & Internet Litigation. Our attorneys who are experienced in leading you through such complicated legal issues. We're not only can provide you counsel and advice, but also representation in lawsuits and other types of dispute resolution. Lawrence E. Feldman & Associates achieved a successful resolution for a client that purchased defective computer imagesetting equipment.

Defective Products

Defective Product is one that causes some injury or damage to person as a result of a person because of some defect in the product or its labeling or the way the product was used. The manufacturer, and others involved in the chain of commerce involving the products that caused the injury, are often liable for injuries defective products cause.

All states allow some form of recovery to persons injured by "defective products". "Product liability" cases run from the obvious (a car sold without operational brakes, a mislabeled product that causes injury) to the not-so obvious (injury from exposure to tobacco, or harmful side effects from an improperly tested drug).

Lawrence E. Feldman & Associates, represent businesses and consumers on matters concerning the Computer & Internet Litigation. Our attorneys who are experienced in leading you through such complicated legal issues. We're not only can provide you counsel and advice, but also representation in lawsuits and other types of dispute resolution. Lawrence E. Feldman & Associates achieved a successful resolution for a client that purchased defective computer imagesetting equipment.

Credit Card Fraud

Credit card companies can make it very difficult for some consumers to avoid paying large fees by concealing important credit card clauses by using tiny print, increasing rates without the consumer realizing, and charging large fees.

Things to Watch For to Avoid Credit Card Fraud:

• More and more credit card companies are quoting wide ranges of APRs and then assigns an APR once the card is issued that is based on that particular person’s credit history.
• Many credit cards claim to have low introductory APR they are really using a low but short-term introductory APR in order to mask the regular APRs.
• Hidden transaction fees for cash advances, balance transfers, and different cash transactions are often missed in the fine print.
• Fixed APRs are can be raised with a 15 day notice to cardholders.
• The amount of money credit card companies are collecting for late fees has been increasing while the time they allow you to pay them is decreasing, with some companies even eliminating the time after a payment is due date before issuing late fees.
• There are low minimum monthly payments that sound good except that they are used to encourage more payments in finance charges as the length of time that is needed to pay off a balance increase by a substantial amount.
• Credit card companies are now charging high fees for exceeding credit limits.
• Average penalty interest rate that occurs due to late or missed payments are significantly higher than the non-penalty and non-introductory APR.
• Grace periods for the time a transaction does not build interest used to be much longer but now some credit cards don’t even have any grace periods.
• Direct mail credit cards often talk about the premium card that they have available but in the fine print it often includes the right for the company to substitute that premium card with a lower-grade one if the card applicant does not qualify.

Lawrence E. Feldman & Associates, represent businesses and consumers on matters concerning the Computer & Internet Litigation. Our attorneys who are experienced in leading you through such complicated legal issues. We're not only can provide you counsel and advice, but also representation in lawsuits and other types of dispute resolution. Lawrence E. Feldman & Associates achieved a successful resolution for a client that purchased defective computer imagesetting equipment.