Debt Relief Scams
Exposing False Promises & Fighting Back
At Justice Consumer Law, we hold deceptive debt relief companies accountable.
If you’ve been misled by promises to “wipe out” your debt or pressured into unfair agreements, you have rights — and we’re here to protect them.
Deceptive Debt Relief Companies
Many so-called “debt relief” firms exploit people in financial distress, making claims they can’t legally keep.
Warning Signs of Scams:
- Charging large upfront fees before delivering any results
- Guaranteeing to eliminate all your debt
- Discouraging you from speaking with creditors or attorneys
Your Legal Protections:
- Federal and state laws ban misleading debt relief practices
- You may be entitled to cancel contracts, recover money, or sue debt collectors who mislead or harass you
- We pursue claims under consumer protection laws to hold bad actors accountable
Loan Modifications
Some companies misuse loan modifications as a sales tactic without delivering real help.
Know the Difference:
- Legitimate modifications go through your lender or a verified legal channel
- Fraudulent companies often take your money without results
- If you’ve paid for a modification and received nothing, you may have a case
Repossession Scams
Some companies promise to prevent repossession but fail to follow through — or even worsen your situation.
If This Happened to You:
- You may have rights to compensation
- We can investigate whether the company violated consumer laws
Medical & Tax Debt Misrepresentation
Be cautious of companies claiming they can erase tax or medical debt instantly.
Red Flags:
- Claims of “special programs” that don’t exist
- Demands for payment to “secure forgiveness”
- Pressuring you to act fast without reviewing documents
Secured vs. Unsecured Debt
Many deceptive companies blur the lines between debt types to sell one-size-fits-all services.
We Help If You’ve Been Misled About:
- How secured (e.g., car loans) vs. unsecured (e.g., credit cards) debt is handled
- Your real legal options for resolving them
Let’s Hold Them Accountable
If a company made big promises and delivered nothing — we can help you fight back.
