Spilman recently settled a consumer finance matter that had been pending since 2014 under the old version of West Virginia's consumer protection laws. Our client had virtually no experience with West Virginia's consumer protection laws and expected an outcome similar to other nuisance-value settlements under federal consumer protection laws. Opposing counsel's excessive initial demand was not well received. Spilman was able to negotiate a settlement one-fifth the amount of the plaintiff's original demand, with payments over time, by using the discovery developed while, at the same time, educating the client on the potential risks and exposure without settlement.

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