Insights
Insights
Plain-language guides to the laws that protect you — from robocalls and debt collectors to credit report errors, data breaches, and workplace rights.
Unwanted calls and texts are more than an annoyance. The Telephone Consumer Protection Act gives you real remedies.
Most robocalls to your cell phone are illegal without your consent. Here is what the Telephone Consumer Protection Act prohibits, what it lets you recover, and what to do next.
Robocalls & Spam TextsMarketing texts you never signed up for are covered by the same federal law as robocalls. Here is how the TCPA applies to text messages, how to revoke consent, and what evidence to keep.
Robocalls & Spam TextsThe National Do Not Call Registry is backed by real remedies. Here is what the rules require, the exceptions that apply, and what you can do when telemarketers ignore your registration.
Debt collectors have to follow strict federal and California rules. When they cross the line, you have rights.
The Fair Debt Collection Practices Act sets strict limits on what debt collectors can say and do. Learn who the law covers, what it prohibits, and what you can recover when collectors break it.
Debt CollectionWithin the first 30 days, you can require a debt collector to verify the debt before collecting further. Here is how the validation process works under the FDCPA and Regulation F.
Debt CollectionFederal law draws specific lines around how debt collectors may treat you. Here are the tactics the FDCPA prohibits, the call-frequency limits under Regulation F, and how to document violations.
Errors on your credit report can cost you a loan, an apartment, or a job. The Fair Credit Reporting Act puts the burden on the bureaus to get it right.
The Fair Credit Reporting Act requires credit bureaus to investigate disputes and fix errors within 30 days. Learn how the dispute process works and what you can recover when they don't.
Credit Reports & Identity TheftIdentity theft victims have specific rights under the FCRA, including fraud alerts, free credit freezes, and the power to block fraudulent information within four business days.
Credit Reports & Identity TheftBusinesses need a legally recognized reason to access your credit report. Learn the permissible purposes under the FCRA, the special rules for employers, and what happens when someone pulls your credit without one.
When a company loses your personal information, the consequences land on you. The law is catching up.
A breach notification means your personal information is in someone else's hands. Here is a practical checklist for protecting yourself, and what California law required the company to tell you.
Data BreachesCalifornia's Consumer Privacy Act gives breach victims a private right of action with statutory damages of $100 to $750 per consumer per incident. Here is how the claim works and what it requires.
Data BreachesMost data breach cases are resolved as class actions. Here is how they proceed, what settlements typically include, and what your options are when you receive a notice.
California has some of the strongest privacy laws in the country. Most people don't know how much protection they actually have.
The California Consumer Privacy Act gives you the right to know what companies collect about you, to delete it, to correct it, and to stop them from selling it. Here is how each right works.
Data PrivacyCalifornia's Invasion of Privacy Act carries a $5,000 per violation penalty and has become the basis for hundreds of lawsuits over website chat features, session replay tools, and tracking pixels. Here is what the law says.
Data PrivacyA federal law passed after a Supreme Court nominee's video rental history was leaked now applies to streaming services and video websites that share your viewing data with advertisers. It carries $2,500 in liquidated damages.
California employees are protected by some of the most worker-friendly laws in the nation. Know what you are owed.
California's overtime rules are stricter than federal law, and many employees who are told they are exempt actually are not. Here is what the Labor Code requires and how to tell if you're being shortchanged.
Workplace RightsCalifornia requires employers to provide meal and rest breaks, and to pay a premium when they don't. Here is what the law requires, what counts as a violation, and what you can recover.
Workplace RightsThe Fair Employment and Housing Act protects California workers from discrimination, harassment, and retaliation based on more than a dozen characteristics. Here is what it covers, how to file, and what you can recover.