Consumer & Injury Law Blog

If you’ve discovered unfamiliar charges on your credit card, especially from online purchases you never made, you’re not alone. Internet fraud, data breaches, and unauthorized transactions have become increasingly common. The good news is that federal law provides strong protections for consumers in exactly this situation. One of the most important of these protections comes

1. Debt Collection Complaints Are Surging Nationwide A recent investigative report by WBRC found that debt collection complaints have skyrocketed in recent years, with some analyses showing complaints increasing 3–5x compared to prior years. The report also noted: Similarly, coverage in the The Dallas Morning News highlighted that: Why This Matters (FDCPA) Most of these

Finding accounts or debts on your credit report that you never opened is a red flag for identity theft. Identity theft happens when someone hijacks your personal information (name, SSN, driver’s license, etc.) to open credit and run up debt in your name. For example, USA.gov warns that if you see accounts or inquiries you didn’t

Discovering fraud or unauthorized charges on your credit card is stressful. Whether it’s a $50 mystery purchase or thousands of dollars drained overnight, the fear is the same: If you live in Texas or Alabama, you have powerful federal protections under the Truth in Lending Act (TILA) and many credit card companies violate those protections.

Having your vehicle repossessed is stressful enough. But finding out that the repo company damaged your car during the repossession can turn a difficult situation into a nightmare. Many consumers don’t realize that even if the lender had the legal right to repossess the car they are still responsible for damage caused by the repossession

Have you recently received a phone call, letter, or lawsuit from a debt collector claiming you owe money, even though you are certain the debt is not yours? If so, you are not alone. Every year, thousands of individuals are wrongly contacted by debt collectors about debts that do not belong to them. This can

The Fair Credit Reporting Act (FCRA) grants consumers vital protections against inaccurate reporting and identity theft. Section 1681n creates a private right of action for individuals harmed by “willful” violations of the FCRA’s requirements. Under § 1681n(a), any person who “willfully fails to comply with any requirement imposed under this subchapter with respect to any

Introduction If you’ve discovered inaccurate credit report information—such as outdated late payments, accounts that aren’t yours, or incorrect balances—you’re not alone. Millions of consumers find errors on their credit reports each year, which can lead to higher interest rates, loan denials, and insurance premium spikes. Thankfully, the Fair Credit Reporting Act (FCRA) provides a process

Have you been misled, overcharged, sold a defective product, or tricked by a business in Texas? You may have legal rights under Texas’s Deceptive Trade Practices Act (DTPA). This powerful consumer protection law exists to defend people like you—honest consumers who were taken advantage of. If you’ve suffered financial harm because of unfair, false, or

If you’ve ever faced vehicle repossession or the threat of one, you may wonder about your rights. Fortunately, in addition to state law, federal law provides strong consumer protections, particularly under 15 U.S.C. § 1692f(6) of the Fair Debt Collection Practices Act (FDCPA). This provision is designed to prevent wrongful repossessions and ensure that consumers