Your Credit Reporting Rights as a California Consumer

Californians have a powerful credit reporting ally. Enacted to safeguard consumer’s credit reports, the Fair Credit Reporting Act (FCRA) establishes a legal framework to ensure...

What Debt Is NOT Covered by FDCPA?

The Fair Debt Collection Practices Act (FDCPA) is a shield against unfair debt collection practices, but it has its limitations. In addition to exploring FDCPA...

5 Things You Need to Know About FCRA Compliance

The Fair Credit Reporting Act (FCRA), established in 1970, is a cornerstone of consumer credit rights in the United States.  It governs the collection, sharing,...

Who Enforces the FCRA?

In today’s digital age, where financial information is vulnerable, knowing how to protect yourself is necessary as more and more of your personal information is...

What Are Three Exceptions to the TCPA?

The Telephone Consumer Protection Act (TCPA) is a federal law that restricts how businesses can communicate with individuals via telephone and text messages.  Enacted to...

What Is the Lowest a Debt Collector Will Settle For?

Dealing with debt collectors involves complex negotiations, understanding legal rights, and making informed financial decisions. When debts become overwhelming, one of the paths that debtors...

Debt Collection Defense Attorney in California

Financial challenges are a part of life. Whether it’s unexpected medical bills, credit card debts, inflation, or other financial obligations, many Californians find themselves in...

How to Report TCPA Violations 

The Telephone Consumer Protection Act (TCPA) stands as a pivotal piece of legislation for consumer protection.  Enacted in 1991, its primary objective is to safeguard...

How to Report FCRA Violations

The Fair Credit Reporting Act (FCRA), a cornerstone in consumer financial legislation, plays an important role in ensuring the integrity and fairness of credit reporting. ...

How Does the FCRA Protect Consumer’s Rights?

The federal Fair Credit Reporting Act (FCRA) protects credit reporting for consumers. In an age where financial decisions can significantly affect our lives, the FCRA...