Defending the Rights of American Consumers
Delivering expert legal education, statutory advocacy, and direct access to member attorneys specializing in credit reporting, debt harassment, foreclosure defense, and consumer litigation nationwide.
Consumer Protection Practice Areas
NACCA member attorneys hold financial institutions, mortgage servicers, debt collectors, and credit bureaus strictly accountable under state and federal consumer protection statutes.
Credit Reporting Inaccuracies
Statutory disputation and federal litigation against Equifax, Experian, TransUnion, and data furnishers under the Fair Credit Reporting Act (15 U.S.C. § 1681).
Debt Collection Harassment
Holding third-party debt collection agencies liable for unlawful threats, workplace harassment, zombie debts, and statutory violations under 15 U.S.C. § 1692.
Consumer Bankruptcy
Chapter 7 liquidation and Chapter 13 repayment reorganization under federal Title 11 to halt foreclosures, wage garnishments, and creditor lawsuits.
Mortgage & Foreclosure Defense
Halting wrongful foreclosure auctions, stopping dual-tracking under CFPB Regulation X, and enforcing Qualified Written Requests under 12 U.S.C. § 2605.
Merchant Cash Advance Usury
Challenging predatory MCA factor rates, vacating void Confessions of Judgment under CPLR § 3218, and recharacterizing disguised loans under criminal usury laws.
Auto Fraud & Lemon Law
Manufacturer buybacks under the Magnuson-Moss Warranty Act (15 U.S.C. § 2301), dealership yo-yo sales fraud defense, and stopping unlawful UCC § 9-609 repossessions.
Identity Theft Recovery
Mandatory blocking of fraudulent trade lines under FCRA Section 605B (15 U.S.C. § 1681c-2) and recovering statutory damages from negligent credit reporting agencies.
Predatory Lending & Usury
Exercising 3-year extended rights of rescission under 15 U.S.C. § 1635, voiding predatory home-equity mortgages, and enforcing HOEPA protections against abusive lenders.
Student Loan Advocacy
Challenging predatory loan servicers, seeking undue hardship discharge under 11 U.S.C. § 523(a)(8), and defending against unlawful private student loan lawsuits.
Military Consumer Rights
Enforcing the mandatory 6% pre-service interest rate cap under 50 U.S.C. § 3937, stopping unlawful military foreclosures and repossessions, and enforcing the MLA.
Mandatory Arbitration Defense
Challenging unconscionable forced arbitration clauses under 9 U.S.C. § 2, executing mass arbitration strategies, and prosecuting claims before the AAA and JAMS.
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Find an Attorney in Your State
NACCA maintains active member attorney listings across 50 states and Washington, D.C. Select your jurisdiction to connect with an attorney licensed to practice in your state court.