Cases
Consumer protection
When a collector, a credit bureau or a lender breaks the rules written to keep them honest.
Federal consumer laws set rules for debt collectors, credit reporting agencies and lenders, and many of them let you sue when those rules are broken. Several also make the company pay your attorney’s fees if you win, which is why these cases can make sense even when the dollar amount is small.
People often come to us ashamed of the debt. You don’t need to be. A debt, real or not, doesn’t give anyone the right to threaten you, lie to you or report false information about you.
What it can include
The ground these cases cover
Abusive debt collection
Calls at work or at all hours, threats, lies about what you owe, or talking to your family about it.
Credit report errors
Accounts that aren’t yours, debts already paid, or mistakes a bureau won’t correct.
Predatory lending
Loans built so you’d fail: hidden terms, inflated fees, or payments you were never able to make.
Car dealers and repossession
Hidden add-ons, yo-yo financing and repossessions that break the rules.
Identity theft
Getting your record cleaned up after someone opened accounts in your name.
Wrongful foreclosure
Servicers that lose payments, ignore applications or foreclose while you’re trying to fix it.
Questions people ask first
The debt is real. Can I still sue?
Yes. Collectors must follow the rules whether or not you owe the money.
Will this hurt my credit?
Bringing a claim doesn’t go on your credit report. Fixing errors on it is often the point.
Who pays the lawyers?
Several of these laws make the company pay your attorney’s fees if you win. We’ll explain how fees and costs would work in your case before you sign.
What should I keep?
Letters, voicemails, call logs, your credit reports and any dispute you sent. Screenshots of call history help.
Owing money doesn’t mean losing your rights
Send us what they sent you. We’ll tell you whether they crossed a line.
Most of our cases are on contingency: no attorney’s fee unless we recover money for you. You may still owe court costs and case expenses, and we put how those work in writing before you sign anything.