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Michael Ferrin
Orange County, FL Bankruptcy Lawyer with 17 years of experience
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Barry University Dwayne O. Andreas School of Law
Michael Ferrin has been practicing in the areas of of Domestic/Family law and Bankruptcy Law for over 14 years. Mr. Ferrin's experience has given him a unique ability to understand the difficulties one can face when confronted with the issues involved in these areas. Mr. Ferrin prides himself on treating each client as if they were family and making sure that as a client you are well informed and receive the highest level of representation. Mr. Ferrin has been a resident of Florida for over 40 years. He was born in New Orleans and raised in Key West Florida....
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Victoria Lyn Anderson
Orange County, FL Bankruptcy Attorney with 18 years of experience
Free ConsultationBankruptcy, Divorce, Domestic Violence and Family
Barry University Dwayne O. Andreas School of Law
Victoria Lyn Anderson primarily practices in the areas of domestic and family law and bankruptcy. Ms. Anderson's experience in these areas of law has given her a unique ability to not only achieve results but to assist clients though difficult, complicated and sometimes incredibly emotional events. Ms. Anderson has been a resident of central Florida for over 25 years. She received her Bachelors in Political Science from the University of Central Florida and a Juris Doctorate from Barry University School of Law. At Barry University Ms. Anderson received a certificate for completing a concentration in the areas of Children...
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Mr. Carmen Dellutri
Charlotte County, FL Bankruptcy Lawyer with 32 years of experience
Free ConsultationBankruptcy, Consumer, Foreclosure Defense and Personal Injury
Loyola University New Orleans College of Law and Tulane University School of Law
Carmen Dellutri is the Founder and President of the Dellutri Law Group, P.A. He is certified by the American Board of Certification Consumer in bankruptcy law. He is also a Florida Supreme Court Certified Circuit Court and Family Law Mediator and a Qualified Arbitrator.
Carmen has qualifications that we could list for days but it's his personal stories that drive him to be the best. Carmen is not just an Attorney, he is a family man. His wife and children are his daily "why".
He is especially passionate about seeking justice for victims of Drunk Driving. Carmen was not only...
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Christie D. Arkovich
Hillsborough County, FL Bankruptcy Attorney with 32 years of experience
Free ConsultationBankruptcy and Foreclosure Defense
Stetson University College of Law
We are a law firm helping people to reduce student loans and other debts, including filing bankruptcy if necessary. Don't believe others who say nothing can be done about student loans - we are seeing fantastic results every day! I was formerly trial counsel for Sallie Mae and other student loan servicers in bankruptcy dischargeability cases. I "switched sides" and now represent student loan borrowers and other debtors both inside and outside of bankruptcy. Since getting rid of student loans is so difficult in bankruptcy, we have had to get creative in finding ways to reduce...
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Gina Rosato
Hillsborough County, FL Bankruptcy Lawyer with 25 years of experience
Free ConsultationBankruptcy and Personal Injury
Nova Southeastern University
The Gina Rosato Law Firm, P.A. is a Tampa Bankruptcy Lawyer located in Tampa, Florida and assists clients who need a personal bankruptcy. Call (813) 463-8000. If you are in need of a bankruptcy lawyer and need to evaluate your situation call today. We will help you determine if you need to file a bankruptcy. Your initial phone consultation is free. Our lawyers will determine if you should file a Chapter 7 or Chapter 13 bankruptcy after carefully evaluation your financial situation.
The Gina Rosato Law Firm, P.A. is able to assist you in dealing with your credit card, medical and...
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Jeffrey Scott Badgley
Orange County, FL Bankruptcy Lawyer with 38 years of experience
Free ConsultationBankruptcy, Legal Malpractice and Personal Injury
University of Florida Levin College of Law
My practice is about helping individuals, families, and small businesses. My firm works with injured people to obtain compensation for their injuries. We also work with individuals and families who are in financial distress who need help with unmanageable debt.
I am board certified in civil trial law by the Florida Bar. I have extensive experience litigating cases involving professional malpractice, personal injuries, insurance disputes, real estate disputes, and business disputes. Cases that I have tried in court before juries include wrongful death claims, medical malpractice, automobile injuries, brain injuries to children, delay in diagnosis of cancer,...
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James Turner
Orange County, FL Bankruptcy Attorney with 49 years of experience
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
University of Miami School of Law and University of Miami School of Law
Debt Relief Lawyer - providing aggressive and affordable professional services to consumers who have been victims of unfair and illegal collection tactics in attempting to collect a consumer debt, and other legal services for residents in Orlando, Kissimmee, and throughout the Central Florida Area.
We have had success for our clients in suing for wrongful repossession. Moreover, we have lots of experience with credit card lawsuits.
If you want a 5-Star attorney on your side, call or text us.
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Alex McClure
Seminole County, FL Bankruptcy Attorney with 17 years of experience
Free ConsultationBankruptcy, Business, Collections and Consumer
Stetson University College of Law
I exclusively practice consumer credit/collections and consumer protection law which includes bankruptcy, wage and bank garnishment, consumer protection law and debt defense litigation. I keep the focus of my firm narrow to ensure the highest level of representation and advocacy for my clients by not trying to be a jack of all trades. I spent nearly 10 years litigating for some of the largest creditors and debt buyers in the country and I now bring all of that experience to your side of the table to provide you with a unique perspective on your problems.
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Michael A. Ziegler
Polk County, FL Bankruptcy Attorney with 15 years of experience
Free ConsultationBankruptcy, Foreclosure Defense and Personal Injury
Florida Coastal School of Law and Pennsylvania State University
Michael Ziegler is the founder and managing partner of Ziegler Diamond Law, a Florida-based law firm dedicated to helping individuals and families overcome financial hardship. With over a decade of legal experience, Mike focuses on bankruptcy law, debt collection defense, and consumer protection cases, ensuring that clients regain control of their financial future.
Practice Areas:
Chapter 7 & Chapter 13 Bankruptcy – Helping clients discharge or restructure their debts while protecting assets.
Debt Collection Defense – Fighting lawsuits from creditors and protecting clients from unlawful collection practices.
Fair Credit Reporting Act (FCRA) Cases – Holding credit bureaus and lenders accountable for...
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Christopher G Frey
Hillsborough County, FL Bankruptcy Lawyer with 35 years of experience
412 E. Madison Street, Suite 1106
Tampa, FL 33602
Free ConsultationBankruptcy, Family, Foreclosure Defense and Personal Injury
Stetson University College of Law
Christopher G. Frey is an accomplished lawyer with vast experience in representing clients in a wide range of cases. He has interned with State Attorney Mark Ober and clerked for the U.S. Supreme court. Chris was media consultant for numerous national media outlets and lectured on the law. He is a former Vice President of the Hernando County Bar Association and is actively involved in the community. Chris has tried over 250 jury trials to verdict and is currently practicing at Frey Law, P.A. in Tampa, Florida.
Claimed Lawyer Profile
Gary R. Jodat
Hillsborough County, FL Bankruptcy Lawyer with 31 years of experience
Free ConsultationBankruptcy, Divorce, Family and Personal Injury
Stetson University College of Law
Gary Jodat enjoys living in Sarasota with his wife, 2 younger children and their dog Drake, a Yorkshire Terrier. During leisure time, his family enjoys swimming, boating and the beach. The 3 older children attended Manatee County schools and are no longer at home. Gary R. Jodat is the founding attorney of Jodat Law Group, P.A. started in 1994. He received his Juris Doctor Degree from Stetson University College of Law in 1993 and his undergraduate degree from Roger Williams University. Fresh out of law school he was an Assistant Public Defender trying criminal, Juvenile...
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Steven Fraser
Orange County, FL Bankruptcy Attorney with 26 years of experience
Free ConsultationBankruptcy
University of Baltimore School of Law
At our firm, we have a wealth of experience in representing businesses across various sectors, including insurance claims, real estate, and commercial litigation. I focus on areas such as property, premise, and personal liability, alongside real estate litigation. My services extend to representing buyers, sellers, and lenders in both residential and commercial real estate transactions. I also represent employers, carriers, third-party administrators, and self-insurers throughout all litigation phases. Additionally, my firm manages a range of other legal matters, including commercial collections, and representing creditors in wage garnishments and bankruptcy proceedings.
I understand the critical role I play in addressing our clients'...
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A. Brian Phillips
Hillsborough County, FL Bankruptcy Attorney
Free ConsultationBankruptcy, Tax and White Collar Crime
University of Florida Levin College of Law and University of Tennessee College of Law
As a former Assistant United States Attorney and U.S. Department of Justice Trial Attorney (Tax Division), Mr. Phillips has substantial experience, training, and resources for handling complex, high-impact civil tax controversy and criminal tax defense litigation cases. While serving as a United States Department of Justice Trial Attorney in the Tax Division (Honors Program) and as an Assistant United States Attorney in the Middle District of Florida, Mr. Phillips handled numerous civil and criminal tax matters and served as the lead Asset Forfeiture attorney in the Orlando office of the United States Attorney where he also prosecuted a large...
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David M Lampley
Hillsborough County, FL Bankruptcy Lawyer with 18 years of experience
(239) 275-2103
5237 Summerlin Commons Blvd.
Suite 229
Fort Myers, FL 33609
Free ConsultationBankruptcy and Estate Planning
Barry University Dwayne O. Andreas School of Law
Mr. Lampley is a Southwest Florida native. Prior to attending law school at Barry University, he attended Bishop Verot High School in Fort Myers. Prior to embarking on his legal career, Mr. Lampley worked as an athletic trainer. His training career included being the head trainer for multiple teams who earned births in the NCAA playoffs, as well as an assistant trainer for the Carolina Panthers of the NFL. Looking to change careers and move closer to his Lee County roots, he decided to attend law school at Barry University. While in law school he competed on...
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L. William Porter III
Orange County, FL Bankruptcy Attorney with 27 years of experience
Bankruptcy, Business and Consumer
Florida State University College of Law
L. William Porter III, or "Bill" as he is better known, is an attorney in Central Florida. His areas of expertise are Bankruptcy, Commercial Litigation and Civil Litigation. Bill Porter received his undergraduate degree and his law degree from Florida State University, receiving his B.S. with honors and his J.D. with high honors. He served as a Trial Attorney for three years for the U.S. Department of Justice, Office of the U.S. Trustee in Orlando, Florida. Since 2011, Bill Porter has taught Introduction to Bankruptcy and Creditor Rights at Valencia College as an adjunct professor.
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Matthew Podolsky
Hillsborough County, FL Bankruptcy Attorney with 12 years of experience
Free ConsultationBankruptcy, Family, Foreclosure Defense and Personal Injury
Stetson University
I am a personal injury attorney with Farah and Farah.
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Robert G. Whittel
Hillsborough County, FL Bankruptcy Lawyer with 24 years of experience
Free ConsultationBankruptcy, Criminal Defense, DUI & DWI and Domestic Violence
University of Cambridge and University of Florida Levin College of Law
An experienced trial attorney, Robert Whittel provides his clients with strong, disciplined, results-oriented representation. Prior to becoming a lawyer, he served as a Lieutenant Commander in the US Navy. Robert graduated from both law school and the United States Merchant Marine Academy with honors, and served on the esteemed Florida Law Review. Before co-founding Whittel & Melton, a full-service law firm, Robert gained valuable experience in the court room both serving as a former prosecutor and representing large corporations in complex litigation and transactional matters. Robert is devoted to fighting for his clients’ rights. He handles all types of criminal...
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Jason Anthony Burgess
Orange County, FL Bankruptcy Attorney with 17 years of experience
Free ConsultationBankruptcy
University of Alabama School of Law and Florida Coastal School of Law
Jason is a bankruptcy attorney that concentrates his practice on Chapter 11 bankruptcy cases and complex bankruptcy litigation. While in law school and for a time after graduation Jason practiced in the creditor’s rights area for many of the large financial institutions. Later Jason decided to use his knowledge of the creditor’s side for the Debtor’s advantage and switched sides. Now he concentrates his practice on helping businesses and individuals reorganize. Jason is often called upon as a Chapter 11 consultant when other debtor or creditor attorneys run into Chapter 11 bankruptcy cases.
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Erin Esmay Tudhope
Orange County, FL Bankruptcy Attorney with 18 years of experience
Bankruptcy and Foreclosure Defense
Florida A&M University College of Law
Ms. Tudhope's area of concentration is bankruptcy law, foreclosure defense, as well as other alternative debt relief representation. By maintaining a strong emphasis in these dynamic areas of law, she has developed an expertise that is conducive to achieving results. Attorney Erin Tudhope graduated from local schools in Central Florida, and received her Bachelor of Arts degree Cum Laude from St. Andrews Presbyterian College. Graduating in the top of her class, Ms. Tudhope earned a Juris Doctorate degree Cum Laude from Florida A & M College of Law. She has interned for the State Attorney’s Office in the Victim...
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Carolina Nunez
Orange County, FL Bankruptcy Attorney
(386) 753-4867
4063 N. Goldenrod Road
Suite 2
Winter Park, Florida 32792, FL 32792
Bankruptcy, Foreclosure Defense, Personal Injury and Real Estate
Barry University Dwayne O. Andreas School of Law
AWARDS
Lawyers of Distinction
Elite Lawyers
407-376-2229
www.cnunezlaw.com
SERVICIO DE ABOGADOS EN ESPANOL
386-PLEITOS (Español)
www.abogadanunez.com
Winter Park / Orlando:
https://maps.app.goo.gl/mZydFiUenECqHQmq9
Daytona Beach:
https://maps.app.goo.gl/mZydFiUenECqHQmq9
Gainesville:
https://maps.app.goo.gl/Wddzhmacxn3mZVgF8
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Michael Faro
Brevard County, FL Bankruptcy Lawyer with 20 years of experience
Free ConsultationBankruptcy, Business, Consumer and Foreclosure Defense
Capital University
I represent small business owners and real estate investors. We help people plan ahead to protect their assets, and we help those in distress protect what they can and address their debts so that they can move forward.
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Carol A Lawson
Pinellas County, FL Bankruptcy Attorney with 27 years of experience
Free ConsultationBankruptcy, Estate Planning and Probate
Western Michigan University Cooley Law School
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Clara M Rodriguez Rokusek
Hillsborough County, FL Bankruptcy Lawyer with 17 years of experience
Free ConsultationBankruptcy, Collections, Foreclosure Defense and Real Estate
Stetson University College of Law
Free consultation
Real Estate Law, Foreclosures, Quit Claim Deed, Bankruptcy, Debt Collection, Last Will and Testament, Mortgage Loan Modifications, Time Share Cancellation, Estate Planning
Tampa Office: 813-514-8186
Jupiter Office: 561-510-2821
www.Rokusek-Law.com
www.AbogadaClara.com
Claimed Lawyer Profile
Alejandro Rivera
Osceola County, FL Bankruptcy Attorney with 13 years of experience
Free ConsultationBankruptcy and Foreclosure Defense
Florida A&M University College of Law
I am an experienced attorney located in Kissimmee Florida. I started my law firm, ALEJANDRO RIVERA P.A., to bring value to all that need the legal services of our firm. ALEJANDRO RIVERA P.A. consists of 2 dedicated Attorneys, and 2 dedicated legal assistants with significant experience in their assigned practice areas. Together, acting as a team we can assist with most legal problems our clients come in with. We also can refer you to the appropriate specialist that can better help you if necessary.
I am from Bronx New York, bilingual and a former military highly decorated veteran...
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Helbert Lopez
Hillsborough County, FL Bankruptcy Lawyer with 5 years of experience
Bankruptcy, Divorce, Family and Foreclosure Defense
American University Washington College of Law
Helbert Lopez believes that helping to solve legal problems doesn’t just mean looking for solutions. It’s also about finding opportunities for clients to move ahead confidently with their lives following a divorce, an immigration matter, an auto accident, or a personal bankruptcy.
In his role as CEO of Florida Law Advisers, P.A., Helbert uses his broad range of legal savvy and business wisdom to give Tampa, Orlando, and Central Florida citizens the guidance they need.
“My diverse work experience and education provide a solid foundation to solve any issues faced by my clients,” Helbert proudly proclaims. “In these capacities, I have gathered...
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Jacqueline Renee LaVerne
Osceola County, FL Bankruptcy Lawyer with 8 years of experience
Bankruptcy and Foreclosure Defense
Barry University Dwayne O. Andreas School of Law
Jacqueline R. LaVerne is an Associate attorney with the Orlando full-service law firm of Bogin, Munns & Munns, where she focuses on bankruptcy and foreclosure defense.
Ms. LaVerne earned her J.D. from Barry University Dwayne O. Andreas School of Law (2016) and her B.S. in Legal Studies in from the University of Central Florida (2013). While at Barry University, she volunteered as an extern in the Bankruptcy Pro Se Clinic located at the George C. Young Federal Courthouse, providing assistance to debtors representing themselves in bankruptcy.
She also maintained an internship position during law school at an Orlando bankruptcy law firm...
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Erin Kirkwood
Martin County, FL Bankruptcy Lawyer with 30 years of experience
Free ConsultationBankruptcy, Estate Planning and Probate
University of Cincinnati College of Law
Erin Kirkwood has the skills and tools to handle your loved one's probate estate no matter where you live. Erin can navigate the probate process for you from near or afar. Erin utilizes state of the art technology for documents and signatures that allows the probate process to flow smoothly.
Erin offers flat fees for most services so you will know the cost up front.
Erin can prepare comprehensive estate planning documents including Wills and Trusts. Erin also drafts Living Wills, Healthcare Surrogate Designations, Powers of Attorney and other Estate Planning documents.
Erin has been an...
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Debra G Simms
Lake County, FL Bankruptcy Attorney with 36 years of experience
Free ConsultationBankruptcy, Estate Planning and Probate
Cleveland State University Cleveland-Marshall College of Law
I am a Board Certified Elder Law attorney practicing primarily in the areas of Estate Planning, Medicaid Asset Protection, Probate, Guardianship, Family Law, and Bankruptcy. These are all areas which affect senior citizens. I have 3 locations to best serve my clients: The Villages, Orlando, and Volusia County, FL
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Christopher John Shipley
Lake County, FL Bankruptcy Lawyer with 23 years of experience
(352) 383-3397
20110 U.S. Highway 441
Suite A
Mount Dora, FL 32757-6901
Bankruptcy, Family, Foreclosure Defense and Probate
Florida State University College of Law, Florida State University College of Business, Florida State University College of Business and Florida State University College of Business
Professional: Admitted to The Florida Bar on September 17, 2002 (Bar Number 0568831); licensed as a Florida Certified Public Accountant (License Number AC34985) on June 11, 2002; admitted to the Federal Bar, United States District Court, Middle District of Florida, on November 13, 2002; United States Tax Court. on July 29, 2008. Personal: Born Lakeland, Florida, on February 8, 1967. Married to Melody A. Shipley nee Cottingham of New Port Richey, Florida on January 29, 1994. Three sons and two daughters. Education: B.S. in Management, The Florida State University, 1994 B.S. in Accounting, The...
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Christian Garrett Haman
Collier County, FL Bankruptcy Lawyer
Bankruptcy and Business
Emory University School of Law
Mr. Haman is an Associate Attorney at Dal Lago Law. He assists companies at all stages of their corporate development, primarily representing debtors and creditors as they navigate the complexities of Chapter 11 bankruptcy.
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Jon Lowell Martin
Saint Lucie County, FL Bankruptcy Attorney with 23 years of experience
(772) 419-0057
1860 SW Fountainview Blvd. Ste 100
Port St Lucie, FL 34986
Free ConsultationBankruptcy, Collections, Consumer and Foreclosure Defense
University of Cincinnati College of Law
"We help good people get through bad times".
Currently my main efforts include Personal Bankruptcy in Chapter 7 & 13 and Business Bankruptcy in Chapter 11. Clients include retirees with limited social security incomes to international small charter jet companies; small to mid sized construction companies; and various other small businesses. Mr. Martin is also a member of the Turnaround Management Association, an organization whose members focus on helping businesses resolve financial difficulties and avoiding bankruptcy or at least getting the most value as a result.
Mr. Martin is also nationally certified construction dispute arbitrator resolving disputes involving construction of new...
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John Roberts
Orange County, FL Bankruptcy Attorney with 23 years of experience
Free ConsultationBankruptcy, Foreclosure Defense and Immigration
Florida State University College of Law
I am originally from Pennsylvania, and moved to the Sunshine State to attend Florida State University. I earned a bachelor's degree in history in 1998, and received my law degree from FSU in 2001.
I was certified to practice while I was still in law school, and was admitted to the Florida Bar in 2002. I am also admitted to practice in the United States Federal Court, Middle District of Florida. In 2008, I received the Advocates of Justice Award for pro bono work from Community Legal Services of Mid Florida and the Volusia County Bar Association.
After graduation, I served...
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J. Christopher Crowder
Brevard County, FL Bankruptcy Lawyer with 17 years of experience
Free ConsultationBankruptcy, Consumer, Foreclosure Defense and Real Estate
Barry University Dwayne O. Andreas School of Law
I believe it is important to identify a clients goals and build a strategy to best meet those goals. Growing up in a small town taught me to stand behind my work and to only provide services that people really need.
Chris grew up in Basehor, Kansas on the outskirts of Kansas City where he learned to “pay it forward.” He lives and works by the ideal that the work you do and the promises you make to individuals carries forward. With that in mind, Chris attended Kansas State University where he earned his B.S. in Speech Communications. Chris also spent...
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Richard Allan Heller
Orange County, FL Bankruptcy Lawyer with 37 years of experience
Free ConsultationBankruptcy, Divorce, Estate Planning and Family
University of Miami
Attorney Richard A. Heller has been serving the residents of Central Florida since 1988. In that time, he has helped countless individuals to resolve complex legal matters related to bankruptcy, family law, estate planning and criminal defense, earning him and his firm an A+ accreditation from the Better Business Bureau. For this reason, if you are searching for high quality legal representation in Orlando, FL, you needn’t look any further than The Law Offices of Richard A. Heller, P.A.
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Victoria Morales
Hillsborough County, FL Bankruptcy Attorney with 12 years of experience
Free ConsultationBankruptcy, Estate Planning, Family and Probate
Florida International University College of Law
My goal is to bring peace and stability to the family. I care about my client's welfare and peace of mind. I manage bankruptcy proceedings and debt relief for individuals and businesses. Deal with tax issues and resolution. Handle probate proceedings. Conduct family law proceedings. Provide advice on estate planning matters, wills and trusts. Also engage in foreclosure defense and civil litigation.
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Mintrel D. Martin
Orange County, FL Bankruptcy Attorney with 24 years of experience
Free ConsultationBankruptcy, Employment, Personal Injury and Social Security Disability
Cumberland School of Law, Samford University
Claimed Lawyer ProfileQ&ASocial Media
Brian D. Zinn
Lee County, FL Bankruptcy Lawyer with 37 years of experience
(239) 418-1529
10501 6 Mile Cypress Parkway, Ste 114
Fort Myers, FL 33966
Free ConsultationBankruptcy, Business and Construction
Boston University School of Law
- over 30 years' experience
- frequent lecturer on various legal topics
- articles published in several legal periodicals
- appeared on Court TV on America Online
- voted "Super Lawyer" by other attorneys
- recipient of "Equal Justice Award"
- Ivy League graduate
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Eric Leonard Bolves
Orange County, FL Bankruptcy Attorney with 42 years of experience
Free ConsultationBankruptcy
University of Florida
Eric L. Bolves, Attorney At Law
I have practiced law since 1983 in the areas of Consumer Rights, Foreclosure, Bankruptcy and Social Security Disability. I have been appointed as Attorney and Guardian Ad Litem by Judges in over 2000 foreclosure cases in every county in the state of Florida since 1995.
I have filed over 4,500 bankruptcies for business and individuals since 1988 and represented over 4000 claimants before the Social Security Administration.
I participate in the Mortgage Modification Mediation program in the Middle District of Florida Bankruptcy Court.
Practice
Areas of practice include Social Security Disability, Bankruptcy, and Foreclosure
* Practice...
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Andrea Anderson
Osceola County, FL Bankruptcy Attorney with 26 years of experience
Bankruptcy, Criminal Defense, Family and Personal Injury
Touro College Jacob D. Fuchsberg Law Center
Andrea Anderson is an Of Counsel attorney for the Central Florida full service law firm of Bogin, Munns & Munns. Ms. Anderson is a graduate of Touro College, having received her J.D. in 1998. Since then, she has become licensed to practice law in Connecticut, New York, and Florida. Ms. Anderson practices a wide variety of areas, including Family Law, Probate, and Personal Injury. Her focus is in Bankruptcy and Criminal Law.
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Scott Craig Florin
Hillsborough County, FL Bankruptcy Attorney with 18 years of experience
Free ConsultationBankruptcy, Consumer and Foreclosure Defense
Capital University Law School
I help defend Credit Card Lawsuits, help stop Debt Collection Violations, review Credit Report errors, assist with Bankruptcy, and Unfair Acts against consumers.