Protecting Consumer Rights
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Fighting Debt Collectors

The law protects you against unfair and coercive debt collection methods. You must know how the law can protect you and help you keep debt collectors in check.

Fighting Fraud

We help consumers that have been wronged by fraud, unfair methods of competition, and unfair or deceptive acts and practices in the marketplace.

Fighting Credit Problems

There are a wide variety of laws that protect you from being treated unfairly in the areas of consumer finance; protecting the accuracy and privacy of your credit information, and much more.

Lance Raphael On WGN

Changes By The Credit CARD Act Of 2009

The Credit Card Accountability Responsibility and Disclosure Act of 2009 made changes regarding how credit card companies handle consumer accounts, such as how and when they can raise your interest rates, impose over-the-limit fees, and open credit card accounts with persons under 21 years old.


Please reach out. We handle a majority of our cases on a contingency basis.



180 W. Washington
Suite 700
Chicago, IL 60602-2318

Phone: 312.782.5808

Fax: 312.377.9930