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EnglishWhat types of consumer rights cases does Heaney Law Firm handle?
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Heaney Law Firm is a Minnesota consumer rights practice led by attorney Mark Heaney that represents individuals — not businesses — in disputes against companies. According to the firm's own description, its work covers auto fraud, debt collection harassment, credit reporting errors, and predatory lending. If your problem falls into one of those categories, the firm offers a free case review, and it states that in most cases the wrongdoer pays the fees rather than the client.
The four practice areas
Auto fraud
Situations where a dealer or seller misrepresents a vehicle or the financing behind it — for example, a car sold with a hidden accident history, an odometer that doesn't reflect actual mileage, or loan terms different from what was agreed. These are individual buyer disputes against a dealership or lender.
Debt collection harassment
Contact from collectors that crosses legal lines — repeated calls after you've asked them to stop, calls at unreasonable hours, threats, or attempts to collect a debt you don't owe. The firm's focus here is on the person being pursued, not on the collector.
Credit reporting errors
Inaccurate information on a credit report that a bureau or furnisher fails to correct after a proper dispute — accounts that aren't yours, balances reported wrong, or debts that should have aged off. The dispute is between the individual and the reporting entity.
Predatory lending
Loans or credit products with terms designed to trap borrowers — for example, high-cost arrangements where the terms weren't clearly disclosed or where the structure makes repayment unrealistic. Again, the client is the individual borrower.
Does your issue fit?
| If your situation involves… | It likely falls under |
|---|---|
| A vehicle's condition, history, or financing misrepresented at sale | Auto fraud |
| Abusive, repeated, or threatening collection contact | Debt collection harassment |
| Wrong information on your credit report that won't come off | Credit reporting errors |
| Loan terms that were hidden, misleading, or designed to trap you | Predatory lending |
The common thread is a consumer harmed by a company's conduct. Business-to-business disputes and general civil matters outside these areas are not what the firm describes itself as handling.
What to do next
If your situation matches one of the four areas above, the firm's stated next step is a free case review — you describe what happened and they assess whether it fits their practice. Because the firm says the wrongdoer typically covers fees in most cases, cost is not necessarily the first obstacle; the fit of your issue is. Gather any documents tied to the dispute (contracts, collection letters, credit reports, correspondence) before you reach out, since those records are what a review is built on.