

"Fraud is infinite in variety. The fertility of man's invention in devising new schemes of fraud is so great, that the courts have always declined to define it." Kugler v. Romain, 58 N.J. 522, 543 (1972). "The Consumer Fraud Act was enacted for the very purpose of preventing some practices which may indeed be pursued in modern business." Kugler v. Koscot Interplanetary, Inc., 120 N.J. Super. 216, 227 (Ch. Div. 1972). Whether you think that what has happened to you happens everyday, or has never happened before, you could have claims or defenses under various consumer protection laws. We have represented consumers across the state of New Jersey in individual and class actions against banks and other finance entities, insurance companies, service contract companies, automobile dealers, debt collectors (including attorneys), home repair contractors and others. |
| "Many of us have heard the Latin phrase caveat emptor, which means ‘let the buyer beware.’ While it may state how the law was, it is not true of how the law is today. We have abandoned that old rule in favor of a more ethical attitude or approach in our dealings with one another." N.J. Model Civil Jury Charge 4.23 |


| HOUSTON & TOTARO ATTORNEYS-AT-LAW |


| New Jersey consumer fraud lawyers practicing in all areas of consumer protection law, including debt collection abuse, credit report problems, automobile sale and lease fraud, warranty and service contract breach/fraud, predatory lending, mortgage servicing abuses and other deceptive practices. |

| HOUSTON & TOTARO ATTORNEYS-AT-LAW |

| Bergen County Courthouse, Hackensack, N.J. |