Consumer Fraud

Unlawful Debt Collection

For information on post-bankruptcy credit reporting problems, click here.

The Oregon legislature passed a comprehensive consumer protection statute known as the Unlawful Trade Practices. That law prohibits businesses from making false or misleading statements when they have reason to know that their statements are false.

Other laws, like the federal Magnuson Moss Warranty Act give consumers additional rights under their warranties for consumer goods, such as automobiles. The federal Truth in Lending law requires lenders or their representatives to disclose the credit terms of a loan in uniform terms so that a consumer can compare the cost of credit from various sources.

Warning!

There is no three day right to unwind a car deal in Oregon! Some states allow a consumer to return their car within a certain time period after the purchase. There is no such law in Oregon. Unless a three day unwind provision is written into the contract, a consumer cannot unilaterally return the car without a valid legal basis.

Baxter & Baxter, LLP, is able to represent consumers in credit reporting cases and unlawful debt collection cases in Oregon, in Baker County, Benton County, County, Clatsop County, Columbia County, Coos County, Crook County, Curry County, Deschutes County, Douglas County, Gilliam County, Grant County, Harney County, Hood River County, Jackson County, Jefferson County, Josephine County, Klamath County, Lake County, Lane County, Lincoln County, Linn County, Malheur County, Marion County, Morrow County, Multnomah County, Polk County, Sherman County, Tillamook County, Umatilla County, Union County, Wallowa County, Wasco County, Washington County, Wheeler County, Yamhill County.

Baxter & Baxter, LLP, is able to represent consumers in credit reporting cases and unlawful debt collection cases in Oregon, in Adair Village, Adams, Adel, Adrian, Agate Beach, Agness, Albany, Algoma, Alicel, Allegany, Aloha, Alpine, Alsea, Alvadore, Amity, Andrews, Antelope, Applegate, Arlington, Arock, Ash, Ashland, Ashwood, Astoria, Athena, Aumsville, Aurora, Austin, Azalea, Baker City, Bandon, Banks, Barlow, Barview, Bay City, Beatty, Beaver, Beavercreek, Beaverton, Belknap Springs, Bellevue, Bend, Biggs, Bingham Springs, Birkenfeld, Blachly, Black Rock, Blalock, Blodgett, Blue River, Bly, Boardman, Bonanza, Bonneville, Boring, Boyd, Breitenbush, Bridal Veil, Bridge, Bridgeport, Brighton, Brightwood, Broadbent, Brogan, Brookings, Brooks, Brothers, Brownsmead, Brownsville, Burns, Burnt Woods, Butte Falls, Buxton, Camas Valley, Camp Sherman, Canby, Cannon Beach, Canyon City, Canyonville, Carlton, Carpenterville, Carver, Cascade Locks, Cascadia, Cave Junction, Cayuse, Cecil, Cedar Hills, Cedar Mill, Celilo Village, Central Point, Champoeg, Charleston, Chemult, Cherry Grove, Cherryville, Cheshire, Chiloquin, Christmas Valley, Clackamas, Clatskanie, Cloverdale, Coburg, Colton, Columbia City, Condon, Coos Bay, Copperfield, Corbett, Coquille, Cornelius, Corvallis, Cottage Grove, Cove, Crabtree, Crane, Crawfordsville, Crescent, Creswell, Crow, Culp Creek, Culver, Curtin, Cushman, Dairy, Dallas, The Dalles, Damascus, Danner, Days Creek, Dayton, Dayville, Deadwood, Dee, Deer Island, Denmark, Depoe Bay, Detroit, Dexter, Diamond Lake, Dillard, Dilley, Disston, Donald, Dorena, Drain, Drew, Drewsey, Dufur, Dundee, Dunes City, Dunthorpe, Durham, Durkee, Eagle Creek, Eagle Point, Echo, Eddyville, Elgin, Elk City, Elkton, Elmira, Elsie, Enterprise, Estacada, Eugene, Fairview, Fall Creek, Falls City, Fields, Flora, Florence, Forest Grove, Fort Klamath, Fort Rock, Fossil, Foster, Fox, Frenchglen, Friend, Gales Creek, Gardiner, Garibaldi, Gaston, Gates, Gearhart, Gervais, Gibbon, Gilchrist, Gladstone, Glenada, Glendale, Gleneden Beach, Glenwood, Glide, Goble, Gold Beach, Gold Hill, Goshen, Government Camp, Grand Ronde, Granite, Grants Pass, Grass Valley, Gravelford, Greenhorn, Gresham, Haines, Halfway, Halsey, Hamilton, Hamlet, Hampton, Happy Valley, Harbor, Hardman, Harlan, Harper, Harrisburg, Hebo, Helix, Helvetia, Heppner, Hereford, Hermiston, Hillsboro, Hines, Holland, Holley, Homestead, Hood River, Horton, Hoskins, Hot Lake, Hubbard, Huntington, Idanha, Idleyld Park, Imbler, Imnaha, Independence, Ione, Ironside, Irrigon, Island City, Jacksonville, Jamieson, Jasper, Jefferson, Jewell, John Day, Johnson City, Jordan, Jordan Valley, Joseph, Junction City, Juntura, Kamela, Keasey, Keizer, Keno, Kent, Kerby, Kernville, Kimberly, King City, Kings Valley, Kinton, Klamath Agency, Klamath Falls, Knappa, La Grande, La Pine, Lacomb, Lafayette, Lake Oswego, Lakecreek, Lakeside, Lakeview, Langlois, Laurelwood, Lawen, Leaburg, Lebanon, Lexington, Lincoln Beach, Lincoln City, Lime, Lonerock, Long Creek, Lookingglass, Lorane, Lostine, Lowell, Lyons, Mabel, Madras, Malin, Manning, Manzanita, Mapleton, Marcola, Marion, Marquam, Maupin, Mayger, Mayville, Maywood Park, McCredie Springs, McDermitt, McKenzie Bridge, McMinnville, McNary, Meacham, Medford, Medical Springs, Mehama, Merlin, Merrill, Metolius, Metzger, Midland, Mikkalo, Mill City, Millersburg, Millican, Milo, Milton-Freewater, Milwaukie, Minam, Minerva, Mission, Mist, Mitchell, Modoc Point, Mohawk, Mohler, Molalla, Monitor, Monmouth, Monroe, Monument, Moro, Mosier, Mount Angel, Mount Hood, Mount Vernon, Mulino, Multnomah Falls, Murphy, Myrtle Creek, Myrtle Point, Necanicum, Nehalem, Nesika Beach, Neskowin, Netarts, New Bridge, New Pine Creek, New Princeton, Newberg, Newport, Nimrod, North Bend, North Plains, North Powder, Norway, Noti, Nyssa, Oak Hills, Oakland, Oakridge, Oatfield, O'Brien, Oceanside, Odell, Olene, Olney, Ontario, Ophir, Oregon City, Orenco, Otis, Otter Rock, Oxbow, Owyhee Dam, Pacific City, Paisley, Parkdale, Paulina, Payette Junction, Pendleton, Perrydale, Philomath, Phoenix, Pilot Rock, Pine, Pine Grove, Pinehurst, Pistol River, Pittsburg, Pleasant Hill, Pleasant Valley, Plush, Pondosa, Portland, Port Orford, Post, Powell Butte, Powers, Prairie City, Pratum, Prescott, Prineville, Progress, Prospect, Provolt, Rainier, Redland, Redmond, Reedsport, Reedville, Remote, Rhododendron, Rice, Rice Hill, Richland, Rickreall, Riddle, Riley, Ritter, Rivergrove, Riverton, Rockaway Beach, Rockcreek, Rogue River, Rome, Rose Lodge, Roseburg, Rowena, Roy, Ruch, Rufus, Saint Benedict, St. Helens, St. Joseph, St. Louis, St. Paul, Salem, Saginaw, Sandy, Scappoose, Scholls, Scio, Scottsburg, Scotts Mills, Seal Rock, Seaside, Selma, Seneca, Shady, Shady Cove, Shaniko, Shedd, Sheridan, Sherwood, Siletz, Siltcoos, Silver Lake, Silverton, Sisters, Sitkum, Sixes, Skipanon, Sodaville, South Beach, Sprague River, Spray, Springbrook, Springfield, Stanfield, Stayton, Sublimity, Sulphur Springs, Summer Lake, Summerville, Sumner, Sumpter, Sunriver, Sutherlin, Svensen, Sweet Home, Swisshome, Takilma, Talent, Tangent, Telocaset, Tenmile, Terrebonne, Tidewater, Tiernan, Tigard, Tillamook, Tiller, Timber, Toledo, Trail, Triangle Lake, Troutdale, Troy, Tualatin, Turner, Twin Rocks, Tygh Valley, Ukiah, Umapine, Umatilla, Umpqua, Union, Unity, Vale, Valley Falls, Valley Junction, Valsetz, Vanport, Veneta, Vernonia, Vida, Waldport, Walker, Wallowa, Walterville, Walton, Wamic, Wankers Corner, Warm Springs, Warren, Warrenton, Wasco, Wauna, Waterloo, Wedderburn, Welches, Wemme, Wendling, Westfall, West Linn, West Stayton, Westfir, Weston, Westport, Wheeler, White City, Whiteson, Whitney, Wilbur, Wilderville, Willamina, Willamette, Williams, Willow Creek, Wilsonville, Winchester, Winchester Bay, Winston, Wolf Creek, Wonder, Wood Village, Woodburn, Worden, Yachats, Yamhill, Yoncalla, Zena, Zigzag