DON’T GET PLAYED — The Must-Know Consumer Protection Laws That Could Save You From Getting Burned
Consumers in California face a flood of fine print, aggressive lenders, and misleading credit reports. But here's the good news:
California consumer protection laws are some of the strongest in the country, and when used effectively, they can be your shield—and your sword.
At R23 Law, we don’t just know the laws—we enforce them. Our team of California Consumer Protection Attorneys regularly holds corporations accountable for overstepping legal boundaries that harm ordinary people. If your rights were violated, we’re here to fight back and restore your financial footing
Know Your Rights: The Laws That Protect California Consumers
Whether it’s false charges, credit reporting errors, or debt collector harassment, three major consumer protection laws can make or break your case:
1. The Fair Credit Reporting Act (FCRA)
Think your credit report is full of untouchable data? Think again. The FCRA gives you the right to accuracy and privacy when it comes to your credit information. Under this federal law:
Credit bureaus must report only accurate, verifiable data
You can dispute and correct errors
Access to your credit report is restricted by law
If a credit reporting agency publishes incorrect information that costs you a job, a loan, or your reputation, that’s more than frustrating—it’s a violation. And yes, you may be entitled to monetary compensation.
2. The Truth in Lending Act (TILA)
Deceptive lending practices are alive and well. TILA was designed to expose them. This law requires:
Transparent disclosure of loan terms (no more buried fees)
A 72-hour right to cancel certain agreements without penalty
Clarity about the real cost of borrowing, including interest rates and fees
If a lender sneaks in hidden APR hikes or tacks on junk fees after you've signed, that could violate TILA. And that’s where we step in.
3. The Fair Debt Collection Practices Act (FDCPA)
Harassing phone calls. Threats. Lies. If you're dealing with third-party debt collectors, the FDCPA is your lifeline. This federal law bars:
Abusive or harassing conduct
False statements about the debt
Contacting you at inappropriate hours or at work
California also strengthens these protections under its Rosenthal Fair Debt Collection Practices Act. If a collector is crossing the line, R23 Law’s California Consumer Protection Attorneys can pursue penalties and stop the abuse.
What If My Rights Were Violated?
Here’s what you need to do immediately if you suspect a violation:
Document Everything
Screenshot harassing calls
Keep copies of letters, reports, and loan disclosures
Record dates, times, and names involved
File a Complaint
Start with the Consumer Financial Protection Bureau (CFPB) or Federal Trade Commission (FTC)
Contact R23 Law
We’ll review your case, evaluate damages, and take swift action to defend your rights
Whether you're fighting back against a major credit bureau or an abusive collector, we have the litigation firepower to make it count
Why R23 Law?
R23 Law’s California Consumer Protection Attorneys are relentless advocates for victims of:
Credit report errors
Predatory lending
Background check inaccuracies
Debt collection harassment
We’ve built a reputation for not only winning cases but for setting legal precedents that benefit thousands. Our team is multilingual, compassionate, and laser-focused on consumer justice.
Final Word
Consumer protection isn’t just a legal issue—it’s a quality-of-life issue. If you’re being misled, mistreated, or misrepresented, you don’t have to face it alone. Let R23 Law protect what’s yours.
📞 Contact our R23 Law California Consumer Protection Lawyers today for a free consultation—and get your rights back on track.
