We help consumers that have been wronged by fraud, unfair methods of competition, and unfair or deceptive acts and practices in the marketplace. Often, if the corporation is large, or if you have only suffered a small monetary loss, it may seem impossible to obtain recourse. However, states such as Illinois have specific legal protections in place that permit you to sue, and if successful, obtain your damages, attorneys’ fees, and costs from the wrongdoer. If you have been the victim of fraud, deceptive advertising, or other illegal conduct, please contact us at (312) 782-5808 for a free telephone consultation. Some examples of deceptive practices are:
- Advertising products as having certain characteristics that they do not.
- Defective Products.
- Junk Faxes.
- Medical Bills Fraud. Many people who file for bankruptcy do so in response to a medical crisis. We can review the bills that the consumer received and copies of the insurance claims paid. The insurance companies will attempt to get a discount from the hospital for themselves and not for the consumer. One such case ruled against Humana for not obtaining discounts for the co-pay payments made by its beneficiaries.
- Med-Pay Cases. You or someone you know was in an Auto accident. You or the other person receives medical treatment. You or the other person sends the bills to your/his own insurance carrier, (a first party claim). The insurance carrier denies part of the bill after running it through a computer program. The reason given is “peer review” or a computer report. Chiropractors will see this type of unlawful behavior all of the time. People who have been in accidents and have had the vehicles totaled may also suffer a form of this type of insurance problem.
- Misclassification of Generic Drug as a Brand Name. Did you know that some health insurance companies have misclassified what drugs are considered generic and classified them as brand name drugs? An example of this is the drug tamoxifen. This misclassification influences the amount they charge you on your co-pay. Next time you purchase a drug and are charged the higher co-pay such as $10.00 or 20%, ask the pharmacist if the drug is really a generic. If it is you could be entitled to a significant refund for all the times you purchased the drug.
- Overtime or Temp Employees. If you work more than 40 hours a week and are not receiving overtime, you may want to know some facts. Even salaried employees may be entitled to overtime. Call us if you are not getting overtime. Long-term temps may be entitled to benefits even if your employer says they are not. The time sometimes starts from the moment you get to work from the time you leave, even if you are changing clothes or have not punched in.
- Insurance policies. We handle claims brought by insureds involving the bad faith practices of insurance companies. Consumers may bring claims for policy violations, a failure to honor promises, wrongful cancellation of policies, and other matters. A bad faith claim can arise from many different types of insurance coverage, whether it be health insurance, car insurance, or life insurance. A few examples of bad faith insurance practices: misrepresenting items such as long-term care and annuities, refusing to honor a contract, failing to pay out benefits, delaying claims, and in some instances, denying claims.
- Negotiating for a contract in a foreign language, but only being provided with a contract written in all English.