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Consumer Law

The Puff & Cockerill consumer law attorneys are intimately familiar with the Consumer Fraud Act (“CFA”) and the CFA’s interplay with New Jersey case law. The New Jersey Consumer Fraud Act, codified in N.J.S.A. 56:8-1 et seq., is among the most consumer-friendly laws in the country. In New Jersey, our courts have consistently interpreted the Act’s consumer protection laws liberally, which produces increased consumer protection.

Our consumer law attorneys are intimately familiar with the Consumer Fraud Act (“CFA”) and the Acts interplay with New Jersey case law. The purpose of the CFA continues to be upheld by our state courts, which is to provide individuals with private causes of action to fight unlawful and unconscionable commercial practices. In addition, the CFA attempts to promote truth and fair dealing in the marketplace, compensate victims for actual loss, punish wrongdoer merchants and deter future commercial misconduct, and attract competent counsel for private enforcement of the Act’s powers. In an attempt to uphold the purpose of the CFA, the scope of the CFA is one of constant expansion.

If you feel that you are a consumer in New Jersey and have been wronged or feel violated by a salesman, merchant, company, business, or association, we welcome you to contact our office to speak with a trusted consumer law attorney at (856) 845-0011 or by email at

Who can bring suit under a CFA claim?

In order to bring a CFA claim, a person must meet the following prerequisites:

Be a person as defined by the CFA; Which broadly includes, natural persons, his or her legal representatives, partnerships, corporations, company, trust, business entity or association, and any agent, employee, salesman, partner, officer, director, member, stockholder, associate, trustee or cestuis que trustent thereof [N.J.S.A. 56:8-1(d)]

Have an allegation against a merchant, who has committed an unlawful conduct, including any of the following:

  • Per se violations of the CFA, determined by statute or administrative code, or
  • An affirmative act, including any one of the following:
  • Unconscionable commercial practices;
  • Fraud;
  • Deception;
  • False promise;
  • False pretense; or
  • Misrepresentations, which either created:

A statement of fact made contemporaneously with the formation of the bargain;

  • Material to the transaction;
  • Made to induce the buyer to make the purchase; and
  • Were found to be false, or

Knowing omission of failure to disclose information, in the following form:

  • Concealment;
  • Suppression; or
  • Omission; and

The unlawful conduct occurred either during the sale of goods or services or during the merchant’s subsequent performance;

The unlawful conduct relates to the sale of goods or services covered by the CFA; and

Suffer an “ascertainable loss” of moneys or property.

There exists a causal relationship between the unlawful conduct and the ascertainable loss.

Consumer Fraud Cases Handled by the Puff & Cockerill consumer law team

Our attorneys have handled Consumer Fraud claims spanning a variety of issues, including, but not limited to the following:

  • Advertisements
  • Affirmative Misrepresentations
  • Automobile Manufacturing
  • Banking and Lending
    • Predatory Lending
    • Lender Liability Claims
    • Lender misconduct
  • Breach of Contract
  • Breach of Merchantability
  • Breach of Warranty
  • Class Action Claims
  • Contract Disputes
  • Contractor Disputes
  • Customer Dissatisfaction
  • Delivery of Goods
  • Delivery of Services
  • Fraud
  • False Promise
  • False Pretense
  • Home Improvement
  • Home Inspections
  • Information Services
  • Misrepresentations
  • Negligence Actions
  • Real Estate Agents
  • Real Estate Transactions
  • Septic Tank Disputes
  • Warranty Disputes

To schedule a consultation or to speak with one of our consumer law attorneys, please call our office at (856) 845-0011 or email at

Message to Our Clients Amid Coronavirus OutbreakWe are open for business

Given the current circumstances associated with the coronavirus outbreak, we are providing an update of our operations. We are open for business.  To ensure the safety of our employees and clients, we have a skeleton crew of essential staff at our Woodbury Office, with the remaining attorneys and staff available for remote operations.

We remain available by phone and email as normal.  Our attorneys and staff working remotely have full access to our computer systems.  While we cannot, at this time, field personal meetings, we are available to discuss by phone and email.  Fortunately, Puff & Cockerill has a full access system to allow our attorneys and staff to work remotely to continue to assist our clients.

We stand ready to assist all of our clients and welcome any new clients to contact our office at 856-845-0011 or at  Our staff will field your call and direct you accordingly.

We will continue to address any changes to our state and local mandates amid the coronavirus outbreak.  Our thoughts are with everyone impacted and wish everyone health and safety.