Questions, answered without the small print

Car dealer and auto loan fraud, debt-collection defense and claims against collectors, and credit report errors. I represent consumers only, never dealers, lenders, collectors or bureaus.

Not always. Some consumer laws let a court grant damages when the law was broken, even before you can show a dollar lost.

Every page you have: the contract, letters, texts, emails, your credit reports and any court papers. A photo from your phone is fine. Please don’t send bank or Social Security numbers through the form.

Often, yes. Several consumer laws make the company pay the fees of a consumer who wins. Your engagement letter says how I’m paid and which costs you could still owe.

No. Arbitration changes where a claim is heard, not whether you have one, and some clauses can’t be enforced. Send it to me with the contract.

Yes, at the office on Locust Street downtown, or by phone or video if that’s easier. Parking is on the street and in the garages nearby.

Many end with a letter in a few weeks. A case that goes to court can take a year or more. I’ll give you an honest estimate once I know the facts.

What you tell me while asking for legal help is kept confidential. Just keep the first message short; we’ll go into the details once we speak.