There are times where the credit card company makes an error or sides with a vendor during a dispute.

In those cases it may be helpful to have an attorney send a letter to the credit card company to help resolve the dispute.

Some additional common reasons for credit card disputes include:

1. Duplicate charges
2. Failed to apply a credit
3. Billed for merchandise you returned
4. Disputing charges you don’t recognize
5. Charges for goods and services that you didn’t accept or received
6. Charges that are the result of a lost or stolen credit card

A lawyer can help resolve these issues by either disputing the debt, negotiating a settlement or helping a consumer with bankruptcy.

A foreclosure is a process the lender may use to take repossession of the home from a homeowner who has stopped paying the mortgage.

An attorney can help a homeowner with renegotiating the mortgage or working out a settlement.

Having a low credit score can cost you thousands of dollars in higher interest rates for cars, houses and other goods. Sometimes because of identity theft, bad reporting, duplicate names, etc.

A letter from an attorney to help dispute these inaccuracies can oftentimes be more effective than handling this on your own.

Sometimes you may face banking issues that may require assistance from an attorney, for instance:

1. Unauthorized transactions - whether the result of errors or lost or stolen debit card.
2. Being denied a checking account because of past banking history.
3. Fees for accounts you did not agree to.
4. Refusing to allow you to create an account without a social security number.
5. Garnishment of some federal benefits.
   

Everyday consumers may seek a Chapter 7 to eliminate debt, or a Chapter 13 to work out a debt repayment plan.

1. Chapter 7: A lawyer can help you determine whether Chapter 7 bankruptcy is the right option for you and guide you through the process of liquidating your assets to pay off your debts.

2. Chapter 13: A lawyer can help you understand the payment plan structure and work with the court to create a feasible repayment plan based on your income and expenses.

A lawyer can assist with mortgage problems in several ways. They can review mortgage documents to ensure that the terms are legal and favorable to the borrower, negotiate with lenders on behalf of the borrower to modify the loan terms or seek a forbearance, and represent the borrower in court if necessary to fight foreclosure proceedings. A lawyer can also advise on the legal implications of mortgage-related decisions and help the borrower understand their rights and options.

Lemon law protects consumers who purchase defective vehicles.

A lawyer can help in several ways, including:

1. Reviewing your case to determine if there is a valid lemon law claim.
2. Communicating with the manufacturer or dealership on your behalf.
3. Negotiating a settlement or compensation package.
4. Representing in court if necessary.
5. Helping you understand their rights under the lemon law and any other applicable consumer protection laws.
6. Ensuring that the you receive all the compensation you are entitled to.