Citadel Consumer Litigation and Counsel
681 Smith St, Providence, RI 02908
Citadel Consumer Litigation, P.C., is a consumer rights law firm, based in Providence, that represents people in Massachusetts and Rhode Island who need to file bankruptcy or who have disputes with car dealers, employers, debt collectors or credit bureaus. Its lead attorney, John Longo, regularly sues debt collectors who harass his clients, auto dealers who lie to car buyers and violate the ?Lemon Law?, and employers who cheat people out of their wages and overtime. Citadel Protects Consumer Rights Attorney John Longo has successfully litigated cases in federal court involving the Fair Debt Collection Practices Act (FDCPA), the Fair Labor Standards Act (FLSA), the Magnuson-Moss Warranty Act, the Fair Credit Reporting Act (FCRA), the Truth in Lending Act (TILA), and the Lemon Law. He has also asserted claims involving the Equal Credit Opportunities Act (ECOA). Citadel Sues Car Dealers New car buyers in Rhode Island and Massachusetts are protected by the ?Lemon Law.? But car dealers often sell used cars that turn out to be junk, or that have wreck damage or rolled-back odometers. Automobile dealers also have been known to sell worthless warranties and to mislead consumers about the financial terms of a sale. In some cases , dealers even try to get consumers to agree to less favorable terms after a deal is done and they have taken the car home. If you think you have a ?Lemon?, or if you have been the victim of a dishonest car dealership, contact Citadel. Citadel Sues Debt Collectors Debt collectors routinely violate the federal Fair Debt Collection Practices Act because not enough consumers know they have rights and know they can sue the debt collectors. For example, did you know it is illegal for debt collectors to call you day, after day, after day, once you have told them you can not afford to pay a bill? Or that debt collectors can not tell your children, friends, neighbors or employers that you owe money? They cannot even call you at work or on your mobile phone if you tell them not to. In Citadel?s experience, consumers who sue debt collectors almost always walk away with their attorney fees paid and at least $1,000 in their pockets. Citadel Helps People File Bankruptcy For clients overwhelmed by debt, bankruptcy is often the best solution and attorney John T. Longo meets with clients personally to help them prepare for the process. Chapter 7 and Chapter 13 bankruptcies are still available but changes in the law make it important for people to meet with an experienced bankruptcy attorney well before they have to file bankruptcy. The earlier they do, the more likely it is they will be able to avoid wage garnishments, keep their homes and keep their cars. Citadel Collects Unpaid Wages and Overtime Federal law determines who is entitled to overtime and almost everyone is. It does not matter if your employer puts you ?on salary? or that your employer calls you ?management?: if you work more than 40 hours in a week, you are probably entitled to overtime pay. Employers who wrongfully withhold wages and overtime pay must pay their employees twice the amount they cheated them out of and they must pay the employees? attorney fees. Citadel Has Affordable Fees Citadel is often able to pursue lawsuits that other attorneys tell consumers are too expensive. Attorney John Longo can do that because he has experience using the laws that require businesses to pay the winning consumer?s attorney fees. Initial telephone and e-mail consultations are free.