Consumer Rights

Loan modification scams involve deceptive tactics where companies or people falsely claim they can help homeowners change their mortgage terms to lower monthly payments or avoid foreclosure.  Often these scammers promise to negotiate with the person’s mortgage lender to lowerREAD MORE

You might not believe it, but the difference between a good and bad credit score can cost you a lot. In fact, according to a recent study from the financial tech company “Self.”, bad credit will cost the average AmericanREAD MORE

Trading in a used vehicle to a dealership is not always as trouble-free as one would hope. For one thing, when you decide to exchange your car to purchase a new one, you will have a rough time getting fairREAD MORE

Collection agencies are companies that buy consumer debt and work to recover unpaid balances. There are lenders that have their own in-house department dedicated to debt collection, while others employ third parties to handle collections on their behalf.  While collectionREAD MORE

The importance of having good credit cannot be stressed enough. Our economy runs on credit. To use your credit card or to secure a mortgage, it’s necessary for a lender to extend to you a line of credit. Maintaining aREAD MORE

…but are we surprised? Consumer Financial Protection Bureau (CFPB) records record number of complaints against “Big 3” credit bureaus–Equifax, Experian and TransUnion. NEW REPORT: ‘Big 3’ credit bureaus garner most consumer complaints in record-setting year CFPB database shows Americans areREAD MORE

If you have bought a car that is defective and is still under warranty from the original manufacturer, you may be entitled to have your car repurchased or replaced under California’s Lemon Law. However, before filing a claim, you needREAD MORE

Financial scams targeting senior citizens are happening with more frequency. The FBI reported that, in 2021, 92,371 older adults were victims of fraud totaling $1.7 billion in losses.  Scams and fraud not only have a devastating effect on the victim’sREAD MORE

A good credit score is crucial to being able to secure a mortgage or buy a car.  And, because your credit score has such an impact on your daily life, the three credit bureaus – TransUnion, Experian, and Equifax –READ MORE

California has some of the best financial elder abuse laws in the country, specifically designed to protect the elderly from financial abuse.  But, to take full advantage of these laws, one needs to know the proper court for the typeREAD MORE