MinCal Consumer Law Group is a consumer rights law firm run by passionate consumer attorneys located in California and Minnesota that will fight and advocate on your behalf. We created this website to provide information for you to: 

1) Help you learn about your consumer rights against debt collectors and other consumer areas.

2) Learn what you can do if your rights are being violated.

3) Learn how our consumer laywers can help you enforce your rights against debt collectors.

Are debt collectors harassing you? Are debt collection agencies violating your rights? Are you being called by debt collectors at work? Are debt collectors talking with third parties about your debts? You have rights against unfair and abusive debt collectors. If you came here because you need help on how to deal with debt collectors or learn your rights against debt collectors, then you came to the right place. We are a consumer rights law firm with offices in California (San Diego) and Minnesota (Minneapolis). We focus our practice on consumer issues; we help consumers sue collection agencies, debt collectors, and creditors that violate your rights throughout California and Minnesota.

Our practice focuses on important consumer issues: We help stop debt collectors and collection agencies under debt collection laws like the Fair Debt Collection Practices Act (FDCPA) and recover actual damages or statutory damages up to $1000. We also help stop collectors and creditors in California under the California Rosenthal Fair Debt Collection Practices Act (RFDCPA or Rosenthal Act) again recovering actual damages or statutory damages up to $1000.  (This means if you are a California consumer you can recover up to $2000 under both the FDCPA and RFDCPA.)

STOP Abusive Debt Collection Calls

STOP Abusive Collectors

STOP Unfair Collection Tactics

STOP Collector Harassment

STOP Debt Collection Abuse!

But that is not all we do. We also help remove and fix inaccurate and outdated information on your credit report under the Fair Credit Reporting Act (FCRA). If you have been denied a job or loan because of inaccurate information you can recover actual damages. We also help you stop annoying robotic telemarketing calls, unsolicited text messages, and junk faxes under the Telephone Consumer Protection Act (TCPA). You can recover the greater of your actual damages or statutory damages between $500 - $1500 for each phone call, text message, or junk fax. Finally, if you are a Victim of Identity Theft, then we can also help you fix your good name and reputation and in some cases recover damages.

MinCal Consumer Law Group's purpose is to protect your consumer rights. When your rights have been violated, when you need our help, our consumer lawyers will do the utmost to provide the help you need to fix the problems you are facing or help enforce your rights against those that violate them. You do not have to put up with any type of abuse, threat, or unfair treatment from any debt collector, collection agency, creditor, or business... STOP the violation(s) of your rights today and let us help today. 

Our lawyers are knowledgeable, friendly, professional, and will zealously assert your legal rights. Call us for a free legal consultation or fill out the form on our Contact Us page. If we take on your case, we will NOT charge anything to represent you unless we prevail in most cases. Unlike other law firms, you do not have to pay any attorney fees or costs to have us represent you. We pay all the filing fees and costs in your case. We work on contingency. We earn our fees and costs through consumer protection laws (FDCPA, FCRA, TCPA, etc.) that allow us to recover our lawyer fees and costs from those debt collectors, creditors, or businesses who who violate your rights.

Maybe you and your family have fallen on hard times due to the current economic crisis... You may face mounting personal consumer debts like credit card debts and medical bills... you may be behind on your payments to creditors like house loans, car loans... And the banks and debt collectors are calling and calling... You may have even contemplated bankruptcy.  You, like many other consumers, are continuously and illegally subjected to abusive practices by collection agencies, collection law firms, debt collection agencies, creditors, and other companies... You may think your options are limited and nobody is willing to help. Whatever your situation, we are more than happy to discuss your options and if we believe you may have a case we will let you know and tell you how you can enforce you rights and recover damages which in many cases means cash-money in your pocket if your rights are violated.

Regardless of whether you owe the debt or not, under Federal law, and some state statutes (in certain states) provide you with powerful rights. Debt collectors must treat you with fairness, truthfulness, dignity, and respect. A debt collector or collection agency cannot subject you or any other consumer, to abusive, rude, unfair and deceptive practices. If a debt collector or collection agency violates your rights, you can sue them for damages - up to $1000 in statutory damages under Federal Law (FDCPA), an additional $1000 in statutory damages under RFCPA (California consumers).  

If you have problems, we can help you:

• We help sue collection agencies and debt collectors that violate your rights (we also sue creditors in California).
• We help fix inaccuracies in your credit report.
• We help victims with issues related to Identity Theft.
• We help sue telemarketers that violate your rights.

If a Debt Collector or Collection Agency Violates Your Rights, you are entitled to sue the debt collector or collection agency and collect damages from them:

• A debt collector or collection agency may not use profane, obscene, abusive or insulting language to collect a debt from you
  
• A debt collector or collection agency may not collect any amount that is not owed lawfully by contract or law to them (this includes interest, "collection fees," or other charges)
• A debt collector or collection agency may not talk with someone other than you or your spouse about your debt - if they talk to your roommate, your parents, your neighbors, coworkers, your boss, etc. your rights have been violated
• A debt collector or collection agency may not threaten you with arrest, may not threaten you with a lawsuit if it is not allowed by law, may not garnish your wages if you do not pay your debt, unless they have received a court judgment
• A debt collector or collection agency may not contact you after you tell them to stop contacting you
• A debt collector or collection agency may not call you or leave a phone message for you before 8 AM or after 9 PM
  
• ... and much more  

We have complied an extensive section on the subject of Debt Collection in our Resources section under "Debt Collectors." Topics include: FDPCA Statute |  RFDCPA Statute | Statute of Limitations for Debt Collectors | Recording Debt Collectors | FDCPA: Frequently Asked Questions | Sample Letters for Debt Collectors

We Do Not Charge Any Fee or Costs Unless We Prevail In Your Case

Under federal law, debt collectors and collection agencies who violate any provisions of Fair Debt Collection Practices Act (FDCPA) or state statutes like California's Rosenthal Fair Debt Collection Practices Act (RFDCPA) in their attempt to collect a consumer debt from you, may be liable to you for statutory damages of up to $1,000, plus any actual damages that you may have suffered, and your attorney's fees and costs.  In a few states, such as California, the state statutes provide additional protection which extends to collection efforts by creditors, and statutory damages of up to $1,000. In summary, debt collectors or collection agencies (creditors in California) who abuse, harass, or violate your rights may be required by law to pay your attorney's fees.  That's how we are able to represent you without charging you. Give us a call today for a free legal consultation or explore the rest of our website. 

Navigating our site:

Slides: At the top of each page, we have rotating slides that are designed to inform you about rights and remedies available against. Special sections of our website have their own set of slides.  Example: Identity Theft.

Menu: We have a main menu toolbar at the top of each site to quickly navigate to a particular section of our website. In the Resources section we have sub-menus on various topics. Feel free to explore and learn about your rights and various tools we have assembled for you.