Consumer Protection
Standing between Californians and businesses that overreach.
From car dealers to debt collectors, we take on the businesses that count on ordinary people not fighting back — and we recover statutory damages, penalties, and fees on our clients' behalf.
What it means
Consumer protection, in plain English.
State and federal consumer-protection laws may provide remedies for certain conduct by auto dealers, debt collectors, credit reporters, and lenders. Statutory damages or attorney-fee recovery may be available under some laws when their requirements are met.
The conduct
The dealer, collector, or reporter did something the statute prohibits.
The paper trail
Contracts, letters, call logs, and credit reports that prove it.
The remedy
Statutory damages, actual damages, and — often — attorneys' fees paid by them.
Matters we handle
Focused matters within this practice.
Each page below is written in plain language — the background, what's known, the injuries reported, and where the case currently stands.
Do I have a case?
A quick, honest self-check.
If most of these describe your situation, it's worth a phone call — even if the answer is that we're not the right firm for you.
You have the contract, correspondence, or call logs on hand.
The business is a California-licensed entity or operating in the state.
The claim is within the applicable statute of limitations.
The conduct is ongoing or has caused documented harm.
Key federal and California consumer protection laws
Different statutes apply to different transactions and businesses. This list is a starting point for understanding the issues, not a guarantee that a particular claim or remedy is available.
- Fair Credit Reporting Act (FCRA): credit reporting accuracy, disputes and identity-theft protections.
- Fair Debt Collection Practices Act (FDCPA): restrictions on covered third-party debt collection conduct.
- California Rosenthal Fair Debt Collection Practices Act: state protections for covered debt collection, including certain original creditors.
- Telephone Consumer Protection Act (TCPA): rules for certain automated calls, prerecorded messages and texts, subject to consent and other requirements.
- California Consumer Legal Remedies Act (CLRA) and Unfair Competition Law: prohibited consumer practices, with different remedies and procedural rules.
- Song-Beverly Consumer Warranty Act and Rees-Levering Automobile Sales Finance Act: warranty and vehicle-financing protections where applicable.
Show the promise, the transaction, and the loss
Different laws cover sales practices, credit reporting, and debt collection. A violation, an available remedy, and any notice requirements depend on the particular law and facts—not simply whether the experience felt unfair.
- Save advertisements or offers with dates, signed terms, receipts, statements, and cancellation requests.
- Build a short chronology of what was promised, what occurred, and how the business responded.
- Separate disputed charges from amounts you agree are owed and document resulting losses.
- Keep complaint reference numbers and delivery confirmations; an agency complaint does not automatically preserve a lawsuit deadline.
Frequently asked
Questions answered plainly.
Free · Confidential · No obligation
Not sure if you have a case? Start with a conversation.
Tell us what happened, at your pace. We'll listen, answer honestly, and — if we can help — begin quietly, right away.