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Protecting Consumer Rights Across California

Imagine buying a new TV, only to discover won’t play the big game. Or purchasing a boat for your family, only to find that it leaks water. These scenarios highlight the importance of consumer protection laws, designed to shield you from deceptive practices and ensure a fair marketplace.

Why Choose R23 Law for Consumer Protection?

If you believe your rights as a consumer have been violated in California, R23 Law is here to help. Our experienced attorneys offer aggressive representation to secure the compensation you deserve. Contact us for a free initial consultation to discuss your case.

Understanding Consumer Rights

Consumer rights encompass laws designed to protect you from defective goods and unfair practices. These laws are enforced by government agencies like the Federal Trade Commission (FTC) and through individual or class action lawsuits.

Key Consumer Protection Laws

Federal Laws

• Fair Credit Reporting Act (FCRA)

  • Provides robust legal protection for what goes on a consumer’s credit reports.

  • Prevents inaccurate credit reporting.

• Fair Debt Collection Practices Act (FDCPA)

  • Prohibits debt collectors from engaging in harassment or deceptive practices.

  • Prevents calls to your workplace if prohibited by your employer and contact during inconvenient times.

• Fair Credit Billing Act (FCBA)

  • Allows you to dispute charges on your credit card and withhold payment for defective goods or services.

• Truth in Lending Act (TILA)

  • Requires lenders to disclose important credit terms, including finance charges and prepayment penalties.

• Fair and Accurate Credit Transactions Act (FACTA)

  • Provides protections against identity theft and allows you to request a summary of transactions if fraud is suspected.

California Laws

• California False Advertising Law (UCL)

  • Protects you from false advertising and deceptive practices, including hidden fees and misleading testimonials.

• Class Actions

  • Allows groups of consumers to file collective lawsuits for issues like defective products or false advertising.

• California Lemon Law

  • Covers vehicles that fail to meet quality standards despite multiple repair attempts. This law applies to cars, motorcycles, trucks, and more.

• Telephone Consumer Protection Act (TCPA)

  • Protects against unwanted calls and texts from businesses and telemarketers.

Common Consumer Rights Violations

• Telemarketer Harassment: Robocalls, calls at odd hours, and failure to honor the Do Not Call Registry can be grounds for a lawsuit.

• Debt Collector Abuse: Harassing phone calls, threats, and contacting family members are violations of the FDCPA.

• Credit Report Errors: You have the right to correct inaccuracies on your credit report. If errors persist after providing proof, you can seek legal redress.

Frequently Asked Questions

Can You Sue Telemarketers for Harassment?

• Yes, you can sue telemarketers for violating the TCPA by making robocalls, calling at inconvenient times, or failing to respect the Do Not Call Registry.

Can You Sue Debt Collectors?

• Absolutely. If a debt collector violates the FDCPA or TCPA by calling you at work, harassing you, or using deceptive practices, you can take legal action.

How Can I Fix an Error on My Credit Report?

• Start by obtaining your credit report. Identify and report any errors to the credit reporting agency. If the issue isn’t resolved, you can file a lawsuit for compensation.

What is an FCRA Violation?

• The Fair Credit Reporting Act ensures fair and accurate credit reporting. Violations include incorrect charge-off information, inaccurate totals, and wrong loan completion dates.

R23 Law is dedicated to protecting consumer rights in Los Angeles, Ventura, San Bernardino, and surrounding areas. With over $500 million won for our clients, our expert attorneys are ready to fight for you. Contact us today for a free consultation and take the first step towards justice.