Consumer Debt Defense · California
Fight back against debt collectors in California.
Sued by a collector? Wages garnished? Bank account frozen? Chased for a debt that is not yours? You have rights, real defenses, and a short window to use them. We defend people — and we know the rules collectors must follow.
How we help
Whatever stage you are at — a letter, a lawsuit, a judgment, a garnished check — there is a next move. These are the four fights we take on for California consumers.
Debt Lawsuit Defense
Served with a lawsuit? You have about 30 days to act. We answer it and fight back.
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Sued by a Debt Buyer
Midland, LVNV, Portfolio Recovery — debt buyers must prove they own your debt. Make them.
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Wage Garnishment & Bank Levy
Money coming out of your paycheck or a frozen account? Some of it is protected. Act now.
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Identity Theft & Wrong-Person Debt
Chased or sued for an account you never opened? You can make it stop. Here is how.
Learn More →Make them prove it.
Guides that answer your first questions
Plain-language guides to the moments that bring people here — a summons, a letter, a garnished check. All Guides →
Collectors count on fear. We answer with a plan.
The doves on our mark mean one thing: freedom from collectors, lawsuits, garnishment, and fear.
The collection industry works because most people never push back. They miss the deadline, take the calls, and accept whatever happens next. We exist to be the other path — the one where someone who knows the rules reads your papers, tells you the truth about where you stand, and fights for you.
- We defend consumers — we do not work for collectors
- Free case review, in plain language, before you owe us anything
- Clear fees explained up front if we take your case
- California courts and California law — this is what we do
The law is on your side more than you think.
Federal law — the Fair Debt Collection Practices Act — makes collectors prove a debt when you dispute it, and bans lies, threats, and harassment. California adds the Rosenthal Act and the Fair Debt Buying Practices Act, which force debt buyers to back their lawsuits with real records.
Collectors who break these rules can owe you money. That is not a loophole. It is how the system is supposed to work — when someone shows up who knows it.
How it works
Three steps. No mystery, no pressure — just a clear read on your situation and a plan you understand.
Free Case Review
Send us what you have — the summons, the letter, the garnishment notice. We read it and tell you plainly what it means and what your deadlines are.
Your Plan
We lay out your options and what each one takes. If we can help, we quote the cost before anything starts. The decision is always yours.
We Fight
We file what needs filing, demand the proof the law requires, and stand between you and the collector — so the calls, the fear, and the guesswork stop.
A collector's greatest asset is your fear. The moment someone who knows the rules stands next to you, the fear stops working — and the case has to stand on its own.Consumer Protection Law · California Consumer Debt Defense
Common questions
Is the case review really free?
Yes. We look at your papers, explain where you stand, and lay out your options in plain language — at no cost and with no obligation. If we can help, we tell you exactly what it would cost before anything starts.
I was just served with a lawsuit. How fast do I need to move?
Fast. In most California debt cases you have about 30 days to respond, and the exact deadline depends on how you were served. Missing it can mean an automatic loss. Send us your papers today.
Do you help with collection letters and calls, or only lawsuits?
Both. Federal and California law control what collectors can say and do — before, during, and after a lawsuit. We help you demand proof of a debt, stop unlawful harassment, and respond the right way at every stage.
Do I really need a lawyer for this?
The collector suing you has lawyers who do this every day. You are allowed to represent yourself — but the rules of court do not bend for beginners. Having someone who knows the rules collectors must follow changes how these cases go.
Make them prove it.
Get your free case review today.
Tell us what is happening — a letter, a lawsuit, a garnished paycheck, a frozen account. We will explain where you stand and what can be done, in plain language. No cost. No pressure.