Credit and Lending Violations – Protecting Borrowers’ Rights in Georgia
Law for Georgia, LLC

At Law for Georgia, LLC, we advocate for consumers who have been misled, mistreated, or defrauded in the credit and lending process. Lenders and financial institutions are legally obligated to deal fairly and transparently with borrowers. When they fail to do so—whether through hidden fees, false disclosures, or discriminatory lending practices—we step in to hold them accountable.

Understanding Credit and Lending Violations

Credit and lending violations occur when banks, mortgage lenders, payday loan companies, or other financial institutions break the law or violate borrowers’ rights. These violations can cause serious financial harm—leading to unaffordable debt, damaged credit scores, and even foreclosure or repossession.

Common Types of Credit and Lending Violations

1. Predatory Lending

• Charging excessive interest rates or fees

• Requiring unnecessary or inflated add-on products (e.g., credit insurance)

• Targeting vulnerable consumers, such as the elderly or financially distressed

2. Mortgage Fraud and Abuse

• Falsifying loan documents or inflating income to secure approval

• Failing to disclose adjustable rates or balloon payments

• Wrongfully denying mortgage modifications or refinancing

3. Truth in Lending Act (TILA) Violations

• Failure to provide accurate disclosures about loan terms, interest rates, or total repayment amounts

• Not allowing the borrower to cancel certain loans within the required “cooling-off” period

4. Fair Credit Reporting Act (FCRA) Violations

• Reporting inaccurate information to credit bureaus

• Failing to correct errors after a dispute

• Pulling your credit report without permission

5. Equal Credit Opportunity Act (ECOA) Discrimination

• Denying or changing credit terms based on race, gender, age, marital status, national origin, or disability

• Refusing to provide a reason for credit denial

6. Unlawful Debt Collection Practices

• Misrepresenting the amount owed

• Calling at odd hours, using threats, or contacting third parties about your debt

• Continuing collection after a debt is disputed without proper investigation

How Law for Georgia, LLC Can Help

If you suspect you’ve been treated unfairly or illegally by a lender or creditor, our legal team can take action to protect your rights and seek damages.

Here’s how we help:

• Review & Investigation: We analyze loan documents, credit reports, and communication records to detect fraud or regulatory violations.

• Dispute & Correction: We work to fix inaccurate credit reporting or unlawful loan terms.

• Litigation: We file lawsuits against lenders, mortgage servicers, or collection agencies for violating federal or Georgia consumer laws.

• Negotiation: We pursue favorable settlements, debt relief, or loan modifications where appropriate.

Your Rights Matter

State and federal laws—including the Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), and Georgia’s Fair Business Practices Act—offer powerful protections to consumers. When lenders break the rules, we help you enforce those rights and pursue the justice you deserve.

Speak with a Georgia Credit and Lending Attorney Today

At Law for Georgia, LLC, we bring more than 35 years of combined legal experience to every case we handle. We understand how devastating lending violations can be—and we know how to fight back.

If you’ve experienced unfair credit practices, deceptive loan terms, or abuse from a lender or collection agency, don’t wait. Contact us for a confidential consultation.

Contact Law for Georgia, LLC