Consumer Protection Lawyers in San Diego Helping Clients Fight Back

If you have been a victim of identity theft, harassment by debt collectors, inaccurate credit reporting, or unfair lending practices, our skilled consumer protection attorneys can help. You don’t have to sit back and let yourself be harassed or have your financial reputation and borrowing power compromised by unfair or illegal actions. Learn how consumer protection works in California and when to seek the help of an attorney for your case.

What Are My Rights As A Consumer In California?

If you feel that you have been taken advantage of or harassed by a credit card company, lending institution,  or credit reporting agency, you may feel upset and embarrassed that you have any debt at all, let alone debts that you are struggling to pay. However,  having debt is not a character flaw, and creditors and others have a legal obligation to treat you fairly.

These issues can be difficult to discuss, but at Khosroabadi & Hill we understand how difficult it can be to stand up for yourself against creditors or others who would like to take advantage of you. If you believe you have been the victim of consumer fraud, reach out to a consumer protection law office to discuss your case.

What Are The Most Common Types Of Consumer Complaints?

Most consumer complaints involve issues of consumer debt and debt collection. When you have debts you are struggling to pay, sometimes your creditors will harass you in ways that are not legal. However, there are ways to stop debt collectors from calling you repeatedly, or ways to correct inaccurate or unfair credit reporting. Our attorneys can help protect your consumer rights.

Identity theft is another common occurrence, and consumers often need legal assistance to undo the damage the identity thief has done to their financial reputations, borrowing power, and things that you wouldn’t necessarily think are affected by credit scores, such as insurance rates. Potential employers may even check credit scores when making hiring decisions. Don’t let an identity thief ruin your good name.

One of the most prevalent consumer complaints in California revolves around the purchase of defective or faulty products. Consumers often encounter issues with electronics, appliances, and other goods that fail to meet the promised quality or safety standards.

California’s robust consumer protection laws, including the Song-Beverly Consumer Warranty Act, aim to address such complaints by providing remedies for individuals who purchase faulty products, granting them the right to repairs, replacements, or refunds.

Another significant consumer complaint category involves deceptive or misleading advertising and marketing practices. Consumers may fall victim to false promises, unlawful conduct, exaggerated claims, or hidden fees when making purchases.

To combat these issues, California enforces strict advertising regulations, such as the California Business and Professions Code, to prohibit unfair trade practices and ensure transparency in advertising.

Billing and billing dispute-related complaints also feature prominently among consumer grievances. Consumers often encounter problems with inaccurate charges, unauthorized transactions, or difficulty canceling services.

In response to such issues, California’s consumer protection laws, like the California Consumer Privacy Act, safeguard consumer rights regarding data privacy and security, helping to address billing disputes arising from breaches or misuse of personal information.

Whether you are dealing with unfair or illegal lending practices, identity theft, wrongful termination, harassment by debt collectors or credit card companies, or another kind of consumer fraud, our consumer protection law attorneys are standing by to assist you.

Are There State Or Federal Laws Protecting Consumers From Fraud Or Wrongdoing?

Consumers are protected from harmful and deceptive business practices at the federal and state levels by various laws. The Fair Credit Reporting Act (FCRA) is a Federal Law that regulates the use of consumer credit information.

The purpose of the law is to protect consumers against inaccurate information on their credit reports. California’s equivalent is the California Consumer Credit Reporting Agencies Act (CCRAA). If you are concerned about having an inaccurate credit report, contact us for assistance in enforcing these laws.

The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection  Practices Act (RFDCPA) are laws set in place to protect consumers from unlawful collection practices. Debt collectors that violate these laws may be liable for monetary damages. You also have the right to request that debt collectors stop contacting you by telephone. Let a consumer protection attorney help you today.

Other federal and state laws that provide protection for consumers are The Fair Credit Billing Act, which allows a consumer to suspend payment for goods or services in case of a dispute, and the Federal Truth in Lending act.

Can I File A Lawsuit If I Was Affected By Consumer Fraud?

If you have been affected by consumer fraud, reach out to a consumer law lawyer, California to discuss your options. You may be entitled to compensation for your damages. Some cases may also qualify for consumer class actions in which you may join a group of consumers similarly affected by the same unfair business practices.

At Khosroabadi & Hill, our consumer protection lawyers help San Diego consumers defend their rights and hold companies responsible for fraudulent business practices. Contact our California consumer law office by calling 858-240-2093 to discuss your case and learn your options and other consumer protection laws.