Practice areas

Consumer Law

Consumer protection laws give individuals specific rights against debt collectors, credit reporting companies, landlords, and sellers. Some of these laws also allow a consumer who proves a violation to recover attorney’s fees from the other side.

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Keep the paper trail

Letters, statements, call logs, and screenshots are usually the evidence in a consumer case. Save them as they arrive, with notes of dates and what was said.

Deadlines can be short

Several consumer statutes have short limitation periods. A claim under the federal Fair Debt Collection Practices Act, for example, generally must be filed within one year of the violation.

What to bring to the first conversation

  • The contract, receipt, lease, or account information
  • Letters, bills, statements, and messages
  • A record of calls and earlier attempts to resolve it
  • Any lawsuit papers or stated deadlines

Keep these for your own reference until you receive instructions about sharing documents.

Questions

What should I keep from a disputed transaction?

Keep the agreement, receipts, statements, notices, and every message. Write down the date and substance of phone calls while you remember them.

A debt collector sued me. What now?

A response generally must be filed and served within 30 days after service is complete, and the way you were served can change the start date. Get help promptly; the California Courts debt-lawsuit pages explain the process.

Further reading

General information, not advice about your situation. Official resource: California Courts: debt collection lawsuits.