Defiant Law represents consumers harmed by unfair, deceptive, or abusive practices—including predatory lending, false advertising, subscription “traps,” abusive debt collection, credit reporting errors, and e-signature/consent abuses. We use state UDAP laws and federal consumer statutes to unwind bad deals, fix credit, and recover losses.
Whether you were misled at the point of sale, charged hidden fees, signed to a contract you never fully authorized, or harassed by collectors, our team builds a fact-driven case to enforce your rights, stop the misconduct, and seek compensation where the law allows.
From the first review of your contracts, disclosures, call/text logs, billing records, and credit reports—through negotiations with merchants, lenders, and collectors (or litigation when necessary)—we focus on outcomes that matter: cancelling unlawful agreements, refunding charges, correcting your credit, and securing statutory damages and attorney’s fees when available.
We routinely address the most common consumer protection problems affecting families across California and beyond.
Bait-and-switch offers, hidden fees, inflated savings claims, undisclosed add-ons, and high-pressure or door-to-door solicitations that skip required disclosures.
Predatory loans, improper financing terms, unauthorized e-signatures, missing TILA disclosures, negative-option/auto-renewal traps, and unlawful recurring charges.
Harassing calls/texts, third-party disclosure, time-barred debt threats, inaccurate tradelines, failure to investigate disputes, and improper credit damage.
We start by gathering your contracts, receipts, screen recordings, call logs, emails/texts, bank/credit statements, and credit reports. Then we evaluate claims under state UDAP statutes and federal laws like TILA/Reg Z, FDCPA, FCRA, E-SIGN, TCPA, and ROSCA. If the other side won’t fix it, we send formal demands and pursue arbitration or court.
Our goal is to stop the misconduct quickly, restore your finances and credit, and hold bad actors accountable.
Invoke cooling-off and rescission rights; challenge unconscionable or deceptive terms.
Terminate negative-option subscriptions, reverse unauthorized fees, and obtain refunds.
Dispute inaccurate tradelines and pursue FCRA remedies when furnishers fail to investigate.
Seek restitution, statutory damages, and attorney’s fees where provided by law.
1) Case Review: We audit your documents, communications, and billing/credit history.
2) Strategy: We map claims (UDAP, TILA, FDCPA, FCRA, TCPA, E-SIGN/ROSCA) and set targeted outcomes (rescission, refunds, corrections, damages).
3) Action: Demand letters, regulatory complaints where helpful, negotiations, and—when needed—arbitration or litigation to secure meaningful relief.