Saturday

27

July 2024

AT&T data breach lawsuit: Can you actually receive a $750 settlement?

Written by , Posted in Consumer Law, Contract Law, Cybersecurity Law

Answer: Maybe. If you’re a current or former AT&T customer whose Personally Identifiable Information (PII) was compromised in the breach, you may be entitled to a significant compensation payout in a class action lawsuit. 

California residents, in particular, could be eligible for up to a $750 settlement amount under the California Consumer Privacy Act (CCPA). Eligibility and compensation amounts can vary based on the specific impact of the exfiltration of your personal and financial data.

Lawsuit Update: 06/25/2025: A federal judge in Dallas granted preliminary approval on June 20, 2025, for a $177 million class‑action settlement resolving lawsuits tied to two major breaches: one in March 2024 involving 7.6 million current and 65.4 million former account holders, and another in July 2024 where hackers accessed call/text logs for approximately 109 million customers via a Snowflake cloud platform . Affected customers may be eligible to claim up to $5,000 for documented losses (2019‑style breach) or $2,500 for the metadata incident, and flat-rate payments for others whose data was exposed. Notifications will begin August 4, with a claims deadline of November 18, 2025, and final court approval is expected after a December hearing—payments projected in early 2026

If you received notice of the AT&T breach you can open a claim by filling out a claim form with one of the various law firms representing the plaintiffs in this case. For example:

  • https://potterhandy.com/att-data-breach-lawsuit
  • https://www.kazlg.com/att-data-breach/
  • https://www.cpmlegal.com/cases-CPM-Investigating-ATT-Data-Breach-Affecting-73-Million-Current-and-Former-ATT-Customers
  • https://www.cohenmilstein.com/case-study/att-data-breach-arbitration/

AT&T blue logo and black text for legal uses 2024 data breach lawsuit

How Can I Claim Compensation? 

To claim compensation, you may need to sign-up and join a class-action lawsuit or file an individual claim. Or you can do nothing and await the legal proceedings.

We’ve seen several prominent law firms take action in response to the 2024 AT&T data breach by filing class action lawsuits on behalf of affected customers in the U.S. These firms are actively seeking to hold AT&T accountable for the data breach / hack and to secure compensation for impacted individuals, up to $750 per victim and possibly more.

Mason LLP, Gibbs Law Group, Cohen Milstein Sellers & Toll PLLC, Barnes Law Group, Stueve Siegel Hanson LLP, and DiCello Levitt LLP are jointly representing plaintiffs in a class action suit against AT&T. There are other law firms as well.

Beasley Allen has also initiated a class action lawsuit on behalf of affected customers in efforts to increase settlement totals. Labaton Keller Sucharow is also investigating private arbitration claims against AT&T for California residents.

AT&T Data Breach 2024 Lawsuit Compensation Form

You can submit your AT&T lawsuit compensation claim form to the administrator to prove that you are entitled to part of the settlement if your personal data was compromised in the AT&T data breach. You can do so by filling out the sign-up form on one of the above-mentioned law firm websites.

Note: When working with a lawyer, be aware of the statute of limitations for data breach claims in your state. Provide any evidence of your AT&T account, breach notifications received, and documentation of related expenses or identity theft incidents.

What Types of Compensation / Payouts Are Available? 

Potential settlement Dollar amounts may include reimbursement for financial losses, free credit monitoring services, identity theft protection, and in some cases, statutory damages. Some lawsuits are also seeking compensation for the time and effort spent dealing with the aftermath of the hack/breach.

How Much is the AT&T Settlement Refund / How Much Can I Expect? 

The final settlement amount from AT&T you can look forward to will vary widely depending on factors such as your location, the extent of damages you’ve suffered, and the outcome of legal proceedings. While California residents may be eligible for up to a $750 payout, actual amounts could be lower or higher based on individual circumstances and the overall resolution of claims against AT&T. As for the question of “how much of a settlement can I get,” we won’t know until this lawsuit proceeds through the judicial system.

What Evidence Do I Need to Provide? 

You may need to provide evidence of your AT&T account, any notification you received about the breach, and documentation of any financial losses or identity theft incidents related to the breach. Keep records of time spent addressing the breach’s impact and any associated expenses.

What Legal Steps Should I Take? 

Consider consulting with a lawyer experienced in data breach cases. They can help you understand your rights, assess the strength of your claim, and determine whether joining a class action or pursuing individual legal action is most appropriate for your situation.

What is AT&T Offering Currently? 

At the moment (July 2024), ATT is offering a suggestion for users to change their password and such, which can be found at www.att.com/accountsafety. AT&T has also stated it will offer credit monitoring at its expense where applicable. However, this is just the first step that companies like this take, and it may not be sufficient to cover all potential damages. It’s important to understand your rights and explore all available options for settlement beyond what AT&T is voluntarily offering. 

Are There Deadlines for Signing Up and Filing Claims? 

While specific deadlines haven’t been publicized by the law firms representing the plaintiffs, it’s crucial to act promptly. Statutes of limitations for data breach claims vary by state and can impact your eligibility for compensation. Consulting with a lawyer early can help ensure you don’t miss important deadlines.

Will My Claim and Settlement Affect My Relationship with AT&T?

Pursuing compensation should not negatively impact your service with AT&T. Consumer protection laws generally prohibit retaliation against customers for exercising their legal rights. However, if you have concerns, discuss them with your class action lawyer who can provide guidance specific to your situation.

What You Can Do Next:

Data breach attorneys and former cybersecurity experts advocate for the rights of consumers impacted by such incident. You may want to sign up and work with one of these law firms as a plaintiff. 

If you received notice of the AT&T breach and would like to see if you qualify for a settlement up to $750, you can start a claim here with one of the representative law firms listed above.

Saturday

15

June 2024

Question: Is It Legal to Sue Your Broker?

Written by , Posted in Securities Law

Answer: Yes, it is legal to sue your broker or financial advisor if you have suffered financial losses due to their misconduct or negligence.

As an investor, you have the right to take legal action against your financial professional if they have failed to act in your best interest or have engaged in practices that have caused you harm.

When Can You Sue Your Broker or Financial Advisor?

There are several instances when you can take legal action against your broker or financial advisor. One of the most common reasons we see all the time is a breach of fiduciary duty. If you’re curious, you can check the FINRA database and research the professional backgrounds of any U.S. registered investment professional, brokerage firms and investment adviser firms. There’s A LOT with disciplinary actions!

What is Fiduciary duty?

Fiduciary duty arises from various sources, including state common law, the Securities and Exchange Commission’s Regulation Best Interest (Reg. BI), and the Investment Advisors Act of 1940. A financial professional’s fiduciary duty requires them to perform their duties with the highest level of professionalism, act in the client’s best interest, and put the client’s interests above their own. Sounds good on paper, and most brokers and firms understand this, but there’s always a few bad apples who disregard all moral and legal ethics to make an extra buck.

If your broker or financial advisor breaches any of these duties, you may have grounds for a lawsuit.

Another instance when you can sue your broker is when they engage in unauthorized trading. Legally, brokers (including stockbrokers) must have express authority from their clients to execute trades on their behalf. If your broker makes transactions without your approval and you suffer financial losses as a result, you can seek compensation.

Material omission or misrepresentation is another reason to sue your broker or financial advisor… They are obligated to provide you with all the necessary information to make informed investment decisions. If you lose money due to their misrepresentation or failure to disclose relevant information, you have the right to take legal action.

Inappropriate investments can also be grounds for a lawsuit. Before June 30, 2020, the suitability rule required brokers to recommend securities that aligned with their client’s investment objectives, risk tolerance, and other unique factors. After June 30, 2020, Reg. BI required that investment advice be made with the investor’s best interests in mind. If you suffer losses because your broker made inappropriate investments, you may have a case against them.

Churning, or excessive trading to generate commissions, is another form of misconduct that can lead to a lawsuit. If your broker engages in frequent trading and charges high commissions (usually without much benefit for you), causing you financial harm, you can seek legal recourse.

Finally, a lack of diversification in your portfolio can also be a reason to sue your broker or financial advisor. They have a responsibility to discuss the risks associated with a concentrated portfolio and ensure that your investments are properly diversified. If you suffer losses due to a lack of diversification, you may have a case against your financial professional.

Proving Negligence or Fraud

To successfully sue your broker or financial advisor, you must prove two elements: liability and damages. Liability refers to the wrongful conduct (negligence or fraud) of your financial professional, while damages refer to the financial losses you have suffered as a result of their misconduct.

Proving fraud or negligence can be complex, and it is often beneficial to hire an experienced attorney to help you build a strong case. They can assist you in gathering evidence and navigating the legal process to increase your chances of a successful outcome.

Legal Options for Suing Your Broker or Financial Advisor

There are two main legal options for suing your broker or financial advisor: arbitration and a lawsuit. Arbitration is the most common path, as most brokerage firm customer agreements and investment advisory agreements contain arbitration clauses. FINRA arbitration is similar to court litigation, and it is crucial to utilize an experienced attorney to help you navigate the complex legal claims and arbitration process (you won’t fare well going into it alone–this isn’t small claim courts)/

It is important to note that arbitration is binding, and there are limited grounds for challenging an arbitration award. If you are unsatisfied with the outcome, you can only challenge the award if you can prove that the arbitrators were biased, did not apply the law correctly, or failed to consider the evidence presented.

In rare cases where an investment agreement does not contain an arbitration clause, you can file a lawsuit against your broker or financial advisor. Court cases often have strict procedural rules and can be more expensive and time-consuming than arbitration. However, a jury trial may potentially result in a more favorable outcome for the investor. It is essential to weigh the costs and benefits of a lawsuit with an experienced attorney before proceeding.

Re-cap

It is legal to sue your broker or financial advisor if you have suffered financial losses due to their misconduct or negligence… There are various circumstances under which you can take legal action, including breach of fiduciary duty, unauthorized trading, material omission or misrepresentation, inappropriate investments, churning, and lack of diversification.

To successfully sue your financial professional, you must prove both liability and damages. Hiring an experienced securities attorney can help you build a strong case and navigate the complex legal process.

When considering your legal options, arbitration is the most common path due to the prevalence of arbitration clauses in investment agreements. However, in rare cases, a lawsuit may be an option. It is crucial to consult with an experienced attorney to determine the best course of action for your specific case.

If you believe that you have been wronged by your broker or financial advisor, do not hesitate to seek legal advice. By holding negligent or fraudulent financial professionals accountable, you can protect your rights as an investor and work towards recovering your financial losses.

[CONTACT THE ATTORNEY WHO ANSWERED THIS QUESTION]

Friday

26

April 2024

Question: Is it Legal to Build a Greenhouse in my Backyard?

Written by , Posted in Land Use and Zoning Law, Property Law

Answer: Yes it’s Legal in most cases. The legality of building or adding a greenhouse one on your property is obviously subject to various factors, including zoning laws, permits, property setbacks, size restrictions, and homeowners association regulations.

If you’re out in the sticks where no one can even see you have a new greenhouse constructed, things are easy, but if you’re in a more developed area you may need to do the following which we will discuss: obtaining necessary permits for the greenhouse and adhering to building codes and safety standards. Also looking at the potential implications of using a greenhouse as an accessory dwelling unit (ADU).

Zoning Laws and Permits

  • Zoning laws are local regulations that dictate how land can be used and what structures can be built on a property. These laws vary by city, county, and state, so it’s essential to research the specific requirements in your area.
  • To find local zoning laws and building permit requirements, start by visiting your city or county’s building department website or office. They can provide you with the necessary information and forms to begin the permit application process.
  • In most cases in cities and suburbs, you’ll need to obtain a building permit before constructing a greenhouse. This process ensures that your structure adheres to local safety standards and doesn’t violate any zoning restrictions.
    • Example: In Portland, Oregon, a building permit is required for any greenhouse larger than 200 square feet or taller than 10 feet.
  • Failing to obtain the necessary permits can result in fines, legal action, and even the requirement to remove your greenhouse entirely.

While it may seem like a hassle to go through the permit process, as lawyers, we’d assure you that this is an important step in protecting both your investment. Skipping this step can lead to costly consequences down the road. We’ve rarely seen a city make someone take down a structure they spent a lot of money on, but you never know and some municipalities can be very draconian and even punitive..

Building or Buying a Kit?

Note: if you’re thinking of buying or constructing your own greenhouse, there are various options available to homeowners. A popular choice is DIY greenhouse kits, like this All-Metal Hoop House Kit below. These kits provide a convenient and cost-effective solution for those who want to construct their own greenhouse while ensuring compliance with building codes and safety standards. Click here for a link to their website.

The Gothic-shaped all-metal hoop house, for example, is made from US-manufactured galvanized steel and aluminum, and is NRCS compliant. It also includes all necessary components and instructions, eliminating the guesswork and streamlining the construction process.

By opting for a reputable DIY kit, homeowners can save time and effort in researching and sourcing materials, while still adhering to the legal requirements for backyard structures. However, it’s essential to remember that even with a kit, you’ll still need to obtain the necessary permits and approvals from your local building department and HOA before beginning construction.

Property Setbacks and Size Restrictions

  • Setbacks are the minimum distances that a structure must be from property lines and neighboring buildings. These requirements help maintain privacy, ensure proper drainage, and prevent overcrowding.
    • Example: In many residential zones, structures must be at least 5 feet from the side and rear property lines.
  • Size restrictions may also apply to backyard greenhouses. These limitations can be based on the total square footage of the structure or its height.
    • Example: In some areas, backyard structures cannot exceed 50% of the total yard area or be taller than the primary residence.
  • To determine the setback and size restrictions for your property, consult your local zoning ordinances or speak with a representative from your building department. We’ve seen city websites that make this easy, some not so easy.

Homeowners Association (HOA) Regulations

  • If you live in a community governed by an HOA, you’ll need to review their bylaws and covenants before building a greenhouse. Some HOAs have strict rules regarding the appearance, size, and location of backyard structures. Keep in mind we have friends in the hillcountry of Texas with 5-10 acre ranches out in the boonies who still have HOAs! They will let you farm pigs and shoot guns all day long, but they have very stright regulations on sight-lines from the street and what can or cannot be seen.
    • Example: An HOA might prohibit the use of certain materials or require that greenhouses be screened from view.
  • To avoid potential conflicts, submit your greenhouse plans to your HOA for approval before beginning construction. Be prepared to make adjustments based on their feedback.
  • If you’re unsure about your HOA’s regulations, contact your HOA board or property management company for clarification!!

Building Codes and Safety Standards

  • Building codes are designed to ensure that structures are safe, stable, and energy-efficient. When constructing your greenhouse, you’ll need to adhere to these codes, which may specify requirements for materials, structural integrity, and ventilation. It’s usually not the end of the world if a greenhouse collapses, however in today’s litigious environment, it’s better to be safe than sorry.
    • Example: Greenhouses may need to withstand a certain amount of wind load or snow load, depending on the local climate.
  • The International Building Code (IBC) and the International Residential Code (IRC) are the primary building codes adopted by most states and municipalities in the United States. However, some areas may have additional local amendments or requirements.
  • To ensure compliance with building codes and safety standards, work closely with your local building department and consider hiring a professional contractor familiar with greenhouse construction.

At the end of the Day

Adding a backyard greenhouse can be a rewarding and enjoyable project, but it’s essential to navigate the legal landscape carefully. By researching local zoning laws, obtaining necessary permits, adhering to building codes, and respecting HOA regulations, you can ensure that your greenhouse is a legal and valuable addition to your property.

FAQs

  1. Do I always need a permit to build a backyard greenhouse?
    • In most cases, yes. However, some areas may have exemptions for small, detached structures. Always check with your local building department for specific requirements.
  2. What happens if I build a greenhouse without obtaining the necessary permits?
    • Building without permits can result in fines, legal action, and the requirement to remove the structure or bring it up to code. It’s always best to obtain permits before starting construction.
  3. Can I use my backyard greenhouse as a living space or rental unit?
    • Using a greenhouse as an ADU is subject to zoning laws and may require additional permits and inspections. Consult with your local planning department to understand the specific requirements and restrictions in your area.
  4. How can I find out if my HOA allows the construction of greenhouses?
    • Review your HOA’s bylaws and covenants, which should outline any restrictions on backyard structures. If the information is unclear, contact your HOA board or property management company for clarification.
  5. Are there any tax implications associated with adding a backyard greenhouse?
    • Adding a greenhouse may increase your property value and, consequently, your property taxes. If you use your greenhouse for business purposes, such as selling plants, you may also need to report the income on your tax returns. Consult with a tax professional for guidance specific to your situation. In some states an agricultural exception might significantly reduce your tax burden, if you’re growing approved agricultural plants.

[CONTACT THE ATTORNEY WHO ANSWERED THIS QUESTION]

Thursday

25

April 2024

Question: Are Lawsuit Loans Legal?

Written by , Posted in Consumer Law, Contract Law, Securities Law

Answer: Yes, lawsuit loans are legal in most states and jurisdictions in the U.S.

In technical terms, lawsuit loans are legal because they represent a unique financial arrangement where a funding company purchases a portion of the potential future settlement or judgment in a pending lawsuit of a plaintiff (the borrower of the lawsuit loan).

This is legal not a “shady” or under-the-table arrangement, it’s just a legal workaround to ensure that money can be lent, and ensures the borrower doesn’t take on undue risk, and same for the lender, that the lender can be sure of payment from the respective future settlement.

Why People Wonder about the Legality of Pre-Settlement Loans

When it comes to lawsuit loans, it is important to understand that the term “loan” is a word used primarily for marketing purposes. Legally speaking, lawsuit loans are not loans in the traditional sense, but rather cash advances structured as non-recourse purchases of an equitable lien in a settlement claim.

This is legal, but might raise questions when people research online and see disclaimer text to this affect on lawsuit lending websites.

The terms “lawsuit loans,” “pre-settlement funding,” or “litigation financing,” are legal and prominent because they don’t fit the traditional definition of a loan, but still act as one.

Note: lawsuit loans are a legitimate industry, and legal funding services are useful and commonly utilized by plaintiffs in the U.S. who have been injured, such as in car accidents or other personal injury accidents, where they as the victim need immediate access to a portion of their future settlement monies while awaiting the litigation or trial of their case.

What sorts of Interest is Legal?

Many states have implemented consumer protection measures specific to lawsuit loans to keep them legal:

  • Disclosure Requirements: Lenders must provide clear, written explanations of all fees and terms.
  • Interest Rate Caps: Some states limit the annual percentage rate (APR) that can be charged on legal lawsuit loans.
  • Cooling-off Periods: Several states require a period during which borrowers can cancel the agreement without penalty.

In the lawsuit funding industry, companies may use different methods to calculate the cost of their advances. Some (the nicer) funding companies advertise very clearly that they only use simple interest where the fee is calculated only on the principal amount.

While many other lenders use compound interest, where fees are calculated on both the principal and previously accumulated fees. This can run afoul of usury laws in certain states and make lawsuit loans illegal in that jurisdiction. Additionally, high interest rates can significantly increase the amount owed when the loan is due and be quite the surprise for the borrower.

Federal Lawsuit Loan Laws

Did you know: there are no specific regulations governing lawsuit loans at the federal level. BUT, the lack of federal oversight has led to various state-level regulations. Also, the Consumer Financial Protection Bureau (CFPB) has shown interest in the industry, particularly regarding consumer protection issues.

State-Level Legality

The legality of these lawsuit loans varies significantly from state to state in the US. Generally, states fall into four categories regarding their approach to lawsuit loans:

  1. Fully legal and regulated
  2. Legal with restrictions
  3. Prohibited
  4. Gray areas with unclear regulations

States Where Pre-settlement Funding / Lawsuit Loans Are Legal

Many states have embraced lawsuit loans as a legitimate financial product. For example:

  • New York: Lawsuit loans are legal and regulated under the state’s Banking Law.
  • Illinois: The state has enacted specific legislation governing lawsuit lending practices.
  • Ohio: Lawsuit loans are permitted and subject to state usury laws.

In these states, regulations often focus on interest rate caps, disclosure requirements, and licensing of lawsuit lending companies.

States with Restrictions

Some states allow lawsuit loans but have imposed significant restrictions. For instance:

  • Maine: Lawsuit loans are legal but subject to a 3% monthly interest rate cap.
  • Nebraska: The state requires lawsuit lenders to register with the Department of Banking and Finance.

These restrictions aim to protect consumers while still allowing access to pre-settlement funding.

States Where Lawsuit Loans Are Prohibited

A few states have taken a strong stance against lawsuit loans:

  • Arkansas: The state Supreme Court has ruled that lawsuit loans violate state usury laws.
  • Tennessee: Lawsuit loans are effectively banned due to strict interest rate caps.

In these states, the prohibition is often based on concerns about excessive interest rates and the potential for lawsuit loans to prolong litigation.

States with Unclear Regulations

Several states have ambiguous laws regarding lawsuit loans:

  • California: The legal status of lawsuit loans is currently being debated in the courts.
  • Texas: There is ongoing discussion about how to classify and regulate lawsuit lending.

In these states, the legality of lawsuit loans may depend on how they are structured and marketed.

[CONTACT THE ATTORNEY WHO ANSWERED THIS QUESTION]

Wednesday

24

April 2024

Question: Is It Legal To Own A Hedgehog In New York?

Written by , Posted in Statutory Law

Answer: Maybe. It depends where in New York you live if you can have one of these spiky friends. While hedgehogs are legal to own in the State of New York, they are not legal to own if you live within New York City (inclusive of the five burroughs). Other states have banned ownership of hedgehogs as some wildlife agencies are concerned that a larger hedgehog population could pose a risk to local wildlife.

In New York State, the Environmental Conservation Law (ECL) Article 11, Title 1, Section 11-0103 prohibits the possession, sale, barter, transfer, exchange, or import of wild animals as pets without a license. Hedgehogs are considered wild animals under this law.

However, the law allows for individual cities, towns, and villages to pass their own local laws regarding the ownership of exotic pets. As a result, the legality of hedgehog ownership varies across the state.

For example:

  1. In New York City, hedgehogs are illegal to keep as pets under the New York City Health Code Section 161.01, which prohibits the possession of wild animals.
  2. In Buffalo, hedgehogs are allowed as pets, as the city does not have specific laws prohibiting their ownership.

Therefore, to determine the legality of owning a hedgehog in a specific location within New York, one would need to check the local laws and ordinances of that particular city, town, or village.

The only resource tracking hedgehog ownership laws can be seen here: https://www.hedgehogcentral.com/illegal.shtml

[CONTACT THE ATTORNEY WHO ANSWERED THIS QUESTION]