Autofraudlawyer

2. Consumer Fraud Attorney Robert Murphy is a trial lawyer who practices in the area of consumer litigation throughout the State of Florida.In his nearly twenty-five years of practice, Florida Consumer Rights Lawyer, Robert Murphy has actively litigated cases under almost every aspect of the federal and Florida consumer protection laws. He has acted as lead counsel in the litigation of those cases both individually and on a class basis in almost every venue in Florida. Bob is a graduate of Wake Forest University, where he received a Bachelor of Arts cum laude in 1984. In 1987, Mr. Murphy received his Juris Doctorate at the University of Florida at the early age of 23. At the time, Mr. Murphy was one of the youngest lawyers in the state of Florida. He is a member of the Florida and Georgia Bars and is authorized to practice before the United States District Courts for the Southern District of Florida, the Middle District of Florida and the Eleventh Circuit Court of Appeals. Since 2001, he has been a member of the Consumer Protection Law Committee of The Florida Bar and has served as Chairperson in 2004 and 2006. Mr. Murphy is an active consumer rights attorney member in the National Association of Consumer Advocates since November, 1999 and regularly attends conferences and seminars sponsored by the organization. He has had the distinction of lecturing to attorney groups on commercial and consumer law issues nationally and on a statewide basis. ABOUT US

3. In a civil theft proceeding, a victim can recover 3 times the value of their original loss. If you have been defrauded by a business or individual, call our law office to arrange a no-cost consultation with a consumer fraud lawyer. We provide a variety of services for you. Here is a small sample of some of the consumer protection services that we provide: • Fair Debt Collection • Fair Credit Reporting • Truth in Lending • Fair Credit Billing Product liability • Privacy rights • Unfair business practices • Fraud • Misrepresentation SERVICES

4. Depending on the case and the needs of our client, we handle consumer litigation matters through contingency fees, hourly fees, or a combination. In many cases, state and federal consumer protection laws require violating defendants to pay attorneys’ fees. You may have questions relating to debt collections if you are contacted by a “debt collector,” someone who regularly tries to collect debts owed to others. A debt collector may contact you if you are behind in your payments to a creditor on a personal, family or household debt, or if an error has been made in your account. A debt collector may contact you in person, by mail, telephone, telegram, or fax. However, a collector may not communicate with you or your family with such frequency as can reasonably be expected to be harassing. A debt collector may not contact you at work if the collector knows your employer disapproves. A collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector is required to send you a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money, and what action to take if you believe you do not owe the money. You may stop a collector from contacting you by writing a letter to the agency telling them to stop. Once the agency receives your letter, they may not contact you again except to say there will be no further contact, or to notify you if the debt collector or the creditor intends to take some specific action. FEES

5. Practice Areas:Consumer Litigation. • Admitted: 1987, Florida; 1990, U.S. District Court, Middle District of Florida; 1991, Georgia; 1994, U.S. Court of Appeals, Eleventh Circuit; 1997, U.S. District Court, Southern District of Florida • Law School: University of Florida, J.D., 1987 • College: U.S. Military Academy; Wake Forest University, B.A., cum laude, 1984 • Member: Broward County and Federal Bar Associations; The Florida Bar (Member, Commentator Committee, 1998-1999; Chairperson, Consumer Protection Committee, 2005-2006); National Association of Consumer Advocates (Florida State Coordinator, 2004-2006). • Biography: Pi Sigma Alpha; Eta Sigma Phi; Phi Delta Phi. Member, University of Florida International Law Journal, 1986-1987. Speaker: “Implications of Bankruptcy in Divorce,” Academy of Florida Trial Lawyers Annual Conferences (June 1999); “Ethics Issues in Consumer Litigation,” Florida Bar Consumer Protection Committee Seminar (2003); “Auto Deficiency Litigation Issues,” National Association of Consumer Advocates Auto Fraud Conference, San Diego, California (Sept. 2004); “Mediation Techniques in FPCPA Litigation,” FDCPAFair Debt Collection Practices Act Conference, Washington DC (Feb. 2005). Instructor, Consumer Litigation, Judges Advocates Office. President, Wake Forest University Alumni Club, Jacksonville/N. Florida, 1995-1997. Member, Board of Directors: Jacksonville Jaycees, 1992-1997; Jacksonville Legal Aid Society, 1993-1997; Duval Association of Retarded Citizens, 1995-1997. Vice President, Kiwanis Club, 1994. • Born: New York, N.Y., September 30, 1963 PROFILE

6. What is consumer fraud? Consumer fraud includes a large range of improper practices relating to any part of the advertising, the marketing, the selling, and the provision of services and/or goods. Auto Dealer Fraud FAQ’s What is “auto dealer fraud”? “Auto dealer fraud” is a term that describes deceptive and unlawful practices used by automobile dealers, at almost any stage of the vehicle purchase process — from advertising, to negotiation of vehicle pricing and financing terms. Examples of auto dealer fraud include “bait and switch” advertising practices, deceptive inflation of vehicle prices, and failure to disclose information about a vehicle. How does a “bait and switch” occur? “Bait and switch” sales tactics are a form of false or deceptive advertising, in which a car dealer lures potential buyers to the dealership by advertising one vehicle at a certain price, then tells the customer that the particular vehicle is no longer available before using aggressive tactics to sell a different, more expensive vehicle (or the advertised vehicle at a price higher than the advertised price). What kinds of things must used car dealers disclose about a used vehicle that is being offered for sale? In most states, car dealers must disclose whether a used vehicle has incurred significant damage in an accident, has been designated “salvaged”, or has been flood-damaged. FAQ’s

7. Robert W Murphy Consumer Attorneys 1212 S.E 2nd Ave Ft Lauderdale 33316 PH:954.763.8660 FAX: 954.763.8607