San Diego Consumer Protection Lawyer
Consumer protection statutes prevent unethical or irresponsible behavior that can harm you. A company that violates consumer protection laws can cost you money and your reputation. Their actions can even cost you your physical health.
You do not have to let someone get away with violating your rights. Consumer protection laws give you the framework for fighting back. When you hire an experienced consumer protection lawyer at the Kazerouni Law Group, you also have the means to stand up for yourself. Our San Diego consumer protection lawyers will fight for the justice you deserve for consumer protection violations.
Why Choose Our Firm
Our law firm is proud to be one of the most respected and largest consumer protection law firms in the U.S. We only represent consumers – never companies defending against lawsuits.
We handle a wide range of consumer protection matters, including:
- Creditor harassment
- Improper debt collection
- Debt defense
- FDCPA claims
- TCPA claims
- Class action lawsuits
Since our firm started, we have recovered more than $750 million for our consumer clients and are not slowing down anytime soon. We are ready to seek the compensation and legal relief you deserve after a company violates your consumer rights. Reach out to learn more today.
Seek Legal Help Now Without Paying Anything Upfront
The best news is that hiring a consumer protection lawyer does not cost you anything upfront.
At Kazerouni Law Group, we work for you on a contingency basis, meaning we charge you nothing upfront. We only receive legal fees if you win your case. Then, our payment comes directly from the proceeds of your case. We care about what we do because our mission is to help the consumer when they are being mistreated by the powerful.
Your Rights Under the Law
Consumers have protections under both federal and California laws. California has robust consumer protection statutes that can be even stricter than its federal counterparts. Our attorneys can determine the best course of action to seek compensation for your harm.
Federal Consumer Protection Laws
Here are some relevant consumer protection statutes that you need to know.
- Fair Credit Reporting Act – The FCRA regulates how credit bureaus report consumer information. The law requires accuracy in reporting. You also have the right to know what is in your credit file and dispute adverse details.
- Fair Debt Collection Practices Act – Debt collectors are limited in their actions to collect debt. They cannot harass or threaten you or engage in deception. You can request that the debt collector cease communication with you.
- Truth in Lending Act – TILA protects you from unfair and misleading consumer lending and credit practices. Lenders must disclose all information about fees attached to the loan upfront. You also have the right to rescind a loan you took out after the lender used high-pressure sales tactics.
- Consumer Credit Protection Act – Lenders must disclose the total cost of a loan or credit product, including the calculation of interest and the fees charged. They also cannot use deceptive advertising or engage in discrimination.
- Privacy Laws – Several consumer privacy laws dictate how companies can use your personal information. Companies can also be liable if they fail to protect your personal information from a breach.
- Federal Trade Commission Act – The FTCA is the law that gives the Federal Trade Commission the power to draft regulations and take enforcement action regarding several statutes. The FTC aims to protect consumers from unfair and deceptive trade practices.
- Telephone Consumer Protection Act – telemarketers and companies are restricted from certain telemarketing practices and from using automatic dialers. You are allowed to put your name on a national-do-not-call registry, and you can also tell the company to stop calling you.
Companies have found themselves on the wrong side of federal consumer laws, costing them a lot of money. For example, when Experian failed to protect consumer data from a massive breach, the company entered a settlement agreement that contributed $425 million to help people impacted by the breach.
Companies have also had to pay large settlements for violating the TCPA. This area of the law is very active as plaintiff’s law firms have been aggressively moving to help private parties enforce the laws and receive judgments from defendants who broke the law.
California Consumer Protection Laws
Even if federal law does not give you a right to sue the business, you can file lawsuits under California state laws. Numerous state statutes prohibit deceptive and unfair practices.
In addition to the federal laws, here are the California laws that you need to know:
- The California Consumer Protection Law is a broad statute prohibiting deceptive business practices and protecting you from predatory businesses. The law applies to debt collectors, debt-relief companies, credit reporting agencies, and consumer credit repair companies.
- California Consumer Privacy Act – Consumers can control how businesses use their data. You have the right to know how the business shares your information and opt out of data collection. Under California consumer privacy laws, you have protections from unauthorized sharing of your personal information and intrusive practices such as robocalls.
- Deceptive Trade Practice Laws – Numerous laws prohibit California businesses from doing false and deceptive advertising. Businesses also cannot lawfully use fraudulent practices.
For every federal law, a California counterpart may prohibit similar behavior—and may offer you better protections. Our lawyers know both laws, and we can advise you on the best forum for your case. In some cases, a stricter California law provides a greater remedy. For example, you can obtain punitive damages under California law, which is not always available in a federal lawsuit. Even if the defendant gets your case moved to federal court, it may apply California law.
The Kazerouni Law Group has experience with the relevant federal and California laws, and we know the pathway to financial compensation for you. Our attorneys understand both the statutes and how courts may interpret them.
You can and should file a lawsuit to protect your rights and hold a business accountable when they have broken the law. You may recover financial compensation when businesses violate consumer laws.
What you can do to take legal action depends on the circumstances. Federal consumer protection statutes often contain a private right of action that allows you to sue a company that violates your consumer rights. If there is no private right of action, the government must take enforcement action against the company.
You can sue for your damages, or you can receive statutory damages. The Kazerouni Law Group cares about you and your legal rights, and our purpose is to maximize your financial recovery.
How You Can Take Legal Action Against a Business
You can file your lawsuit in one of two ways:
- If you suffered your individualized harm, you have to file a separate lawsuit against the business, seeking to recover the losses you sustained.
- If numerous consumers suffered the same loss, you can file a class action lawsuit against the business. Courts have strict standards regarding when a class action lawsuit can proceed. The defendant will usually fight the motion to certify the class with everything they have because it can determine whether the lawsuit succeeds.
Your Damages in a Consumer Protection Lawsuit
How much you get for your case depends on many factors. If you are part of a class action case, your compensation will depend in part on how many class members there are. The money gets divided among the plaintiffs based on the number and amount of times that certain illegal events happened to them.
If you file your lawsuit, you may recover damages for your suffering.
You may receive damages for:
- Emotional distress for how the illegal actions affected you
- Medical costs if you suffered stress and anxiety from an illegal practice
- Compensation for damage to your reputation
- Lost income if you missed any time from work
- Your costs in dealing with and addressing the illegal action
Many federal statutes allow you to receive statutory damages for law violations. Some statutes provide for a one-time payment per defendant. Others allow for payment for each occurrence of an illegal act.
For example, the Telephone Consumer Protection Act allows for you to receive $500 ($1,500 if the telemarketer knowingly broke the law) for each illegal call made to you. It does not matter whether you suffered personal damage.
Punitive damages are not allowed under practically every federal consumer protection statute. However, you can obtain punitive damages when you file a lawsuit under California laws.
The attorneys at Kazerouni Law Group will file a lawsuit where we believe the law can maximize your financial compensation.
Depending on the lawsuit you filed, you may seek an injunction or some other type of equitable relief. For example, if a criminal defrauded you in a transaction, the court can rescind the transaction. You also want to stop such conduct.
Why You Need a Consumer Protection Lawyer
Companies vigorously defend against consumer protection lawsuits. Since they likely engaged in the same behavior with many other consumers, they fear large-scale liability. For example, if you received an illegal robocall from a company, chances are that they have made hundreds of millions of calls to millions of people.
Some consumer protection lawsuits have led to massive settlements. Either way, approach a consumer protection lawsuit with a tough and aggressive lawyer.
How a Consumer Protection Lawyer Helps You
You may not even know your exact legal rights. You may think something wrong is happening, but you may know exactly what. Our attorneys will review your legal situation and help determine what law the business may have violated.
Much of your case develops in the early stages. You need to make a strong initial showing with your complaint because the defendant may try to have your case dismissed. Then, you need to build your case through the discovery process.
Many consumer protection cases will reach a settlement agreement. When corporate executives know that their company did something wrong, they will begin to think of their legal exposure. For example, if there has been a significant consumer data breach, the company can face serious risks from millions of wronged consumers.
There are two crucial phases of a consumer protection lawsuit:
- Responding to the defendant when they invariably try to persuade the judge to dismiss the case.
- Negotiating a possible settlement agreement with the defendant – if your case does survive the motion to dismiss, the company may begin to panic. They know that your lawyer can obtain damaging information in the discovery process. They may make a settlement offer to resolve your case. We will negotiate with the defendant because their initial settlement offers will be low.
The attorneys at Kazerouni Law Group work hard to build your case for you, putting more pressure on the defendants to settle your case. We built a reputation as a leading national firm, and businesses know they are in for a fight when we sit across the table.
Contact a San Diego Consumer Protection Lawyer Today
When you need a tough lawyer who is unafraid to take on anyone for you, call the Kazerouni Law Group. We believe in what we do when we fight for the rights of consumers. Our consumer protection attorney work to bring accountability to the powerful who think they can trample on your rights and get away with it.
We Know How to Fight on Your Behalf
When taking action under consumer protection statutes, you may deal with a large company with plenty of lawyers ready to defend it. Many of these cases involve a tough fight because the defendant may bear liability to others for similar actions. They have a lot on the line to defend.
Your attorney cannot fear big companies. We take them on at the Kazerouni Law Group.
San Diego Office
San Diego, CA 92108