Johnson Legal Services P.L.L.C.
Serving Southeast Ohio, West Virginia, and Western Pennsylvania from our Headquarters at 1049 Market Street, Wheeling, West Virginia 26003, we provide experienced representation in bankruptcy, consumer protection, immigration and civil litigation. 304-212-4950
Were You Misled When Buying or Financing Your Car?
You may have rights under the West Virginia Consumer Credit & Protection Act
Common Violations Include:
⚠️ Hidden or inflated dealer fees
⚠️ Unfair financing terms
⚠️ Impermissible or excessive GAP insurance
⚠️ Impermissible or excessive service contracts and warranties
⚠️ Failure to disclose credit terms
You May Be Entitled To:
💰 Contract cancellation
💰 Refunds or statutory damages
💰 Attorney’s fees and court costs
Contact us for a free consultation. No upfront fees. We don’t get paid unless you recover. We help West Virginia Consumers fight back against dishonest car dealers and finance companies. If you believe your auto purchase or financing was unfair or deceptive, we can help.
What You Need:
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A vehicle purchased in West Virginia within the last 4 years
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You Retail Installment Sales Contract (RISC)
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Your Buyer's Order / Purchase Document
(See below for examples)
Johnson Legal Services, PLLC
A Consumer Rights Law Firm
Serving Clients Throughout West Virginia
* Attorney Advertising. Past results do not guarantee similar outcomes. Legal services available only where licensed. 2025, Johnson Legal Services, PLLC
The West Virginia Automobile Retail Sales Installment Contract
The sale of an automobile is generally a consumer credit sale transaction, but it could also be a consumer loan. The rules governing the two types of transaction are different. If you are a resident of West Virginia and have either a retail sales instalment contact ("RISC") or a consumer loan that you signed within the last four years, you may be entitled to compensation. Please contact us for a complementary review of your purchase documentation.
West Virginia Motor Vehicle Purchase Agreement
West Virginia law allows certain charges to be financed as part of the purchase price of the automobile. Let JLS review your documentation to ensure that the items you financed pursuant to your purchase agreement comply with the law.
The Retail Sales Installment Contract
The RISC is your consumer credit sale. It details the items that you are paying over time with interest. The consumer credit sale is generally assigned to the creditor to whom you make payments at the time of sale or soon thereafter. JLS wants to see both your purchase agreement and your RISC.
Warranties and Service Contracts
What did I pay for?
Let JLS review your extended service contract and road hazard agreements to ensure that the value you received for the purchase is commensurate with the purchase price.
