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All Violations We Handle

Federal and state consumer-protection claims — the complete list of what our attorneys take on.

Statutory Damages At A Glance

What The Law Lets You Recover

Federal consumer-protection statutes are designed with fee-shifting — the defendant pays your attorneys’ fees. That’s why we take qualifying cases on contingency, with no cost to you.

FDCPA · 15 U.S.C. § 1692k
Up to $1,000
Statutory damages per lawsuit, plus actual damages, plus attorneys’ fees paid by the collector.
FCRA · 15 U.S.C. § 1681n
$100–$1,000
Per willful violation, plus punitive damages and attorneys’ fees from the bureau or furnisher.
TCPA · 47 U.S.C. § 227
$500–$1,500
Per illegal robocall or text. Trebled if willful. No cap on aggregate damages.
01
15 U.S.C. § 1692
Fair Debt Collection Practices Act

Debt Collector Harassment

When third-party debt collectors harass, threaten, or lie about what you owe, the FDCPA lets you sue and recover statutory damages, actual damages, and attorneys’ fees paid by the collector.

Typical Violations
  • Harassing or abusive phone calls
  • Calls at work after being told to stop
  • Threats of arrest or garnishment that won’t happen
  • Contact after a cease-communication letter
  • Misrepresenting the debt amount or legal status
  • Disclosing your debt to family, neighbors, or employer
Read Full FDCPA Guide
02
15 U.S.C. § 1681
Fair Credit Reporting Act

Credit Report Errors

The FCRA makes credit bureaus and furnishers responsible for accuracy. When they get it wrong and refuse to fix it after you dispute, you can sue for statutory, actual, and punitive damages.

Reporting Problems We Handle
  • Accounts on your report that aren’t yours
  • Balances or status reported incorrectly
  • Mixed files — someone else’s data merged into yours
  • Debts still reported past the 7-year limit
  • Bureau failure to investigate after you disputed
  • Denied credit, mortgage, housing, or employment because of the error
Read Full FCRA Guide
03
47 U.S.C. § 227
Telephone Consumer Protection Act

Illegal Robocalls & Texts

Companies that robocall or robo-text your cell phone without prior express consent owe $500–$1,500 per call or text. If your phone rings nonstop with automated collection calls, there’s a claim here.

Typical TCPA Violations
  • Autodialed calls to your cell with no consent
  • Pre-recorded voice messages or ringless voicemails
  • Texts continued after you replied STOP
  • Calls to numbers on the Do Not Call registry
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04
15 U.S.C. § 1681c-2
FCRA Section 605B — ID Theft Block

Identity Theft Recovery

Someone opened accounts in your name? The FCRA gives you a legal path to clean your file and hold bureaus accountable when they refuse to honor a valid identity-theft dispute.

What We Help With
  • Removing fraudulent accounts from your report
  • Stopping collectors chasing debts that aren’t yours
  • Section 605B identity-theft block requests
  • Holding bureaus accountable when they reject valid claims
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05
15 U.S.C. § 1681i
Reasonable Reinvestigation Duty

Mixed Files & Bureau Dispute Failures

You disputed, the bureau rubber-stamped the furnisher’s response, and the error is still there. That’s a separate FCRA claim on top of the underlying inaccuracy — and it’s often the claim with the highest damages.

Signals You Have A Claim
  • Disputed multiple times, error still on report
  • Bureau claimed to “verify” without real investigation
  • Supporting documents you sent were ignored
  • Real-world damages — denied credit, higher rate, lost housing
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06
Counterclaims & Defenses
FDCPA + state consumer law

Collection Lawsuit Defense

Served with a debt lawsuit? Don’t ignore it — a default judgment leads straight to wage garnishment. We evaluate whether the plaintiff actually owns the debt, whether the statute of limitations has run, and whether FDCPA counterclaims exist.

How We Defend
  • Chain-of-title analysis — did the plaintiff legally buy the debt?
  • Statute-of-limitations defenses where applicable
  • Service-of-process defects that can void a judgment
  • FDCPA counterclaims when the collector overreached
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Not Sure Which Applies?

Tell us what’s happening in plain words. An attorney will identify every claim you may have — under FDCPA, FCRA, TCPA, or state law. No cost. No obligation.

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