Know your rights. Enforce them. California and federal consumer protection laws exist because individuals are at a structural disadvantage against the companies, creditors, and institutions they deal with every day. The statutes we enforce were designed to correct that imbalance — by giving you the right to sue, recover damages, and require the violator to pay your attorney fees.
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🚗 Lemon Law 📋 FCRA 🔐 Identity Theft 📞 TCPA ♿ Accessibility 🏠 Fair Housing 💳 Debt
Lemon Law — Song-Beverly Act Strong Cases Typically Include New or certified pre-owned vehicle under express warranty Same defect repaired 2 or more times Vehicle out of service 30+ cumulative days Major OEM defendant (GM, Ford, Toyota, Honda, etc.) Repair orders documenting the complaints We Typically Cannot Help If Used vehicle with no remaining warranty Cosmetic defect only (paint, trim, interior) Client-caused damage or unauthorized modification Vehicle older than 5-7 years No documentation of repair attempts This sounds like my situation – free consultation Fair Credit Reporting Act (FCRA) Strong Cases Typically Include Inaccurate information on credit report Unlawful credit inquiries without consent Failure to investigate disputes properly Collection agency violations Identity theft or fraud on account We Typically Cannot Help If Accurate information on credit report Authorized credit inquiry Dispute already resolved No damages or injury to credit score Incorrect bureau name or address This sounds like my situation – free consultation Identity Theft Protection Laws Strong Cases Typically Include Unauthorized use of Social Security number Fraudulent accounts opened in your name Data breach exposure of personal information Failure to implement adequate security measures Documentation of identity theft and impact We Typically Cannot Help If You authorized the account or use Company complied with all security standards No demonstrable injury or damages Outside statute of limitations No personal information actually exposed This sounds like my situation – free consultation Telephone Consumer Protection Act (TCPA) Strong Cases Typically Include Unsolicited telemarketing calls or texts Calls to cell phone without prior consent Calls before 8 AM or after 9 PM Calls after requesting to be on do-not-call list Automated calls without human agent available We Typically Cannot Help If One or two calls only You had prior business relationship You consented to receive calls Call was for emergency purposes Cannot document the calls This sounds like my situation – free consultation Americans with Disabilities Act (ADA) Strong Cases Typically Include Website not accessible to screen readers Business denies service based on disability Physical location lacks accessible entrance No accommodations for service animals Failure to provide auxiliary aids We Typically Cannot Help If Minor accessibility issues only Business is very small (fewer than 15 employees) Reasonable accommodations were provided Issue was promptly fixed upon notice No injury or denial of service This sounds like my situation – free consultation Fair Housing Act (FHA) Strong Cases Typically Include Discrimination based on protected class Denied rental based on race, color, religion Higher rent/deposit due to family status Refused accommodation for service animal Steering or segregation practices We Typically Cannot Help If Denial based on legitimate, non-discriminatory reason Credit or income requirements applied equally Small owner-occupied property (1-4 units) Complaint outside 1-year statute of limitations No housing-related injury This sounds like my situation – free consultation Debt Collection & FDCPA Strong Cases Typically Include Debt collector calls before 8 AM or after 9 PM Harassment or abusive language Calls after you requested they stop False representations about debt amount Threats of illegal action We Typically Cannot Help If Single isolated violation Collector made good faith attempt to comply You owed the debt and authorized collection Debt is beyond statute of limitations No documentation of violations This sounds like my situation – free consultation
