FDCPA Statute

Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is an important consumer law that is a part of the Consumer Credit Protection Act. It protects consumers from unfair, deceptive and abusive debt collectors and collection harassment. Among other things, the FDCPA prohibits debt collectors from harassing and abusing a consumer, reporting inaccurate information about a debt, suing a consumer after the statute of limitations has expired, and contacting most third parties such as neighbors. In addition, the FDCPA gives the consumer the right to demand that the debt collector provide verification of a debt (called validation) and cease contact if such a demand is made properly by the consumer. If a consumer proves that a debt collector violated the law, the FDPCA provides that a consumer may recover statutory damages up to $1000, as well as any actual damages.

 § 1692. What Congress Found in Passing the Law

This is exactly what Congress found was going on in the collection industry which caused it to pass the FDCPA:

(a) Abusive practices

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

(b) Inadequacy of laws

Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

(c) Available non-abusive collection methods

Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

(d) Interstate commerce

Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

(e) Purposes

It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.

§ 1692a. Definitions—The following are the definitions for the terms found in the FDCPA

(1) The term “Commission” means the Federal Trade Commission.

(2) The term “communication” means the conveying of information regarding a debt directly or indirectly to any person through any medium.

(3) The term “consumer” means any natural person obligated or allegedly obligated to pay any debt.

(4) The term “creditor” means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

(5) The term “debt” means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.

(6) The term “debt collector” means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause (F) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f(6) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include–

(A) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor;

(B) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts;

(C) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties;

(D) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt;

(E) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors; and

(F) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity (i) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement; (ii) concerns a debt which was originated by such person; (iii) concerns a debt which was not in default at the time it was obtained by such person; or (iv) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.

(7) The term “location information” means a consumer’s place of abode and his telephone number at such place, or his place of employment.

(8) The term “State” means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any political subdivision of any of the foregoing.

§ 1692b. Acquisition of location information—The FDCPA limits the contacts that a debt collector can have with third parties about a consumer’s debt. One of the exceptions is when the debt collector is just looking for information about where the consumer is located. But the FDCPA is very specific as to what the debt collector can and cannot say in such a situation. Here is what the law says:

Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall–

(1) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer;

(2) not state that such consumer owes any debt;

(3) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information;

(4) not communicate by post card;

(5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and

(6) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney’s name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.

§ 1692c. Communication in connection with debt collection—The FDCPA limits what types of communications a debt collector can and cannot have with a consumer.

(a) Communication with the consumer generally

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt–

(1) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o’clock antemeridian and before 9 o’clock postmeridian, local time at the consumer’s location; Example: Calling too early or too late

(2) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney’s name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or

Example: When the consumer is represented by a lawyer, contacting the consumer directly

(3) at the consumer’s place of employment if the debt collector knows or has reason to know that the consumer’s employer prohibits the consumer from receiving such communication.

Example: Calling the consumer at work after the consumer has told the debt collector he or she cannot take calls at their place of employment

(b) Communication with third parties

Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Example: Debt Collector speaking with neighbors, parents or children of the consumer

(c) Ceasing communication

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except–

Example: Continued and repeated contact with the consumer despite the consumer having sent a cease and desist letter;

(1) to advise the consumer that the debt collector’s further efforts are being terminated;

(2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or

(3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

(d) “Consumer” defined

For the purpose of this section, the term “consumer” includes the consumer’s spouse, parent (if the consumer is a minor), guardian, executor, or administrator.

§ 1692d. Harassment or abuse—Harassment and/or abuse by a debt collector is prohibited by the FDCPA. The FDCPA lists specifically what kinds of acts constitute abuse or harassment. They include:

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Example: threatening violence or injury to the consumer, damage to house or car, or to embarrass the consumer to his or her neighbors/family;

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Example: cursing to the consumer

(3) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a(f) or 1681b(3) of this title.

Example: public disclosure of a consumer’s debts

(4) The advertisement for sale of any debt to coerce payment of the debt.

(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Example: repeated calls on a daily or weekly basis;

(6) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller’s identity.

Example: debt collector failing to tell consumer who they are , what company they work for, etc.

§ 1692e. False or misleading representations—In addition to prohibiting abuse and harassment, the FDCPA prohibits debt collectors from making false or misleading statements or statements in an effort to coerce payment of the debt. The FDCPA specifically defines what types of statements are false and/or misleading.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.

Example: Using a symbol on a letter or stating in a phone call or letter which suggest that the debt collector is somehow working with or part of a government;

(2) The false representation of–

(A) the character, amount, or legal status of any debt; or

Examples: Stating the consumer owes more than they actually do, or that the debt collector can sue on a debt that is barred by the statute of limitations;

(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Example: that if the consumer pays the debt, the debt collector or someone else will pay the consumer;

(3) The false representation or implication that any individual is an attorney or that any communication is from an attorney.

Example: Lawyers sending mass form letters which suggest that the lawyer is involved in collecting the debt;

(4) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Example: threatening that a consumer can be arrested for non-payment of a debt, or that his or her wages can be garnished if the state he or she resides in prohibits garnishment;

(5) The threat to take any action that cannot legally be taken or that is not intended to be taken.

Example: like 4 above but would include threats of suit when the debt collector doesn’t sue or cannot sue in the consumer’s forum, threatening suit far away;

(6) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to–

(A) lose any claim or defense to payment of the debt; or

(B) become subject to any practice prohibited by this subchapter.

(7) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

(8) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Example of this would be telling a consumer that a debt will stay on the consumer’s credit report beyond the time-period permitted by the FCRA or that the debt collector has reported a debt to a credit bureau when they haven’t).

(9) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

(10) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

(11) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

(12) The false representation or implication that accounts have been turned over to innocent purchasers for value.

(13) The false representation or implication that documents are legal process.

(14) The use of any business, company, or organization name other than the true name of the debt collector’s business, company, or organization.

(15) The false representation or implication that documents are not legal process forms or do not require action by the consumer.

(16) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a(f) of this title.

§ 1692f. Unfair practices—The FDCPA prohibits debt collectors from engaging in tactics which would clearly be unfair to a consumer. The following is a list of prohibited unfair tactics:

A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

(2) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector’s intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.

(3) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.

(4) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.

(5) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.

(6) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if–

(A) there is no present right to possession of the property claimed as collateral through an enforceable security interest;

(B) there is no present intention to take possession of the property; or

(C) the property is exempt by law from such dispossession or disablement.

(7) Communicating with a consumer regarding a debt by post card.

(8) Using any language or symbol, other than the debt collector’s address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

§ 1692g. Debt Validation–This section gives consumers the right to demand that a debt collector provide verification of a debt. For example, if the consumer disputed the debt as not being his or hers and demanded verification of it, this would require the debt collector to provide some evidence showing the consumer’s liability (like a credit application or receipt for a purchase.

(a) Notice of debt; contents

Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing–

(1) the amount of the debt;

(2) the name of the creditor to whom the debt is owed;

(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;

(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and

(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

(b) Disputed debts

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a) of this section unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer’s right to dispute the debt or request the name and address of the original creditor.

(c) Admission of liability

The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

(d) Legal pleadings

A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection (a) of this section.

(e) Notice provisions

The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by the Internal Revenue Code of 1986, chapter 94 of this title [15 U.S.C.A. § 6801 et seq.], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.

§ 1692h. Multiple debts

If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer’s directions.

§ 1692i. Lawsuits —This section limits how and where a debt collector can sue a consumer for a debt:

(a) Venue

Any debt collector who brings any legal action on a debt against any consumer shall–

(1) in the case of an action to enforce an interest in real property securing the consumer’s obligation, bring such action only in a judicial district or similar legal entity in which such real property is located; or

(2) in the case of an action not described in paragraph (1), bring such action only in the judicial district or similar legal entity–

(A) in which such consumer signed the contract sued upon; or

(B) in which such consumer resides at the commencement of the action.

(b) Authorization of actions

Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

§ 1692j. Furnishing certain deceptive forms—Debt Collectors cannot use deceptive forms which trick a consumer into paying a debt.

(a) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

(b) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

§ 1692k. Civil liability—If a debt collector violates the FDPCA, the consumer can sue the company AND recover attorney’s fees and costs.

(a) Amount of damages

Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of–

(1) any actual damage sustained by such person as a result of such failure;

(2)(A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or

(B) in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and

(3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney’s fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney’s fees reasonable in relation to the work expended and costs.

(b) Factors considered by court

In determining the amount of liability in any action under subsection (a) of this section, the court shall consider, among other relevant factors–

(1) in any individual action under subsection (a)(2)(A) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or

(2) in any class action under subsection (a)(2)(B) of this section, the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector’s noncompliance was intentional.

(c) Intent

A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.

(d) Jurisdiction

An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.

(e) Advisory opinions of Commission

No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Commission, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

§ 1692Administrative enforcement

(a) Federal Trade Commission

Compliance with this subchapter shall be enforced by the Commission, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another agency under subsection (b) of this section. For purpose of the exercise by the Commission of its functions and powers under the Federal Trade Commission Act [15 U.S.C.A. § 41 et seq.], a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Commission under the Federal Trade Commission Act are available to the Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests in the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.

(b) Applicable provisions of law

Compliance with any requirements imposed under this subchapter shall be enforced under–

(1) section 8 of the Federal Deposit Insurance Act [12 U.S.C.A. § 1818], in the case of–

(A) national banks, and Federal branches and Federal agencies of foreign banks, by the Office of the Comptroller of the Currency;

(B) member banks of the Federal Reserve System (other than national banks), branches and agencies of foreign banks (other than Federal branches, Federal agencies, and insured State branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25(a) [FN1] of the Federal Reserve Act [12 U.S.C.A. §§ 601 et seq., 611 et seq.], by the Board of Governors of the Federal Reserve System; and

(C) banks insured by the Federal Deposit Insurance Corporation (other than members of the Federal Reserve System) and insured State branches of foreign banks, by the Board of Directors of the Federal Deposit Insurance Corporation;

(2) section 8 of the Federal Deposit Insurance Act [12 U.S.C.A. § 1818], by the Director of the Office of Thrift Supervision, in the case of a savings association the deposits of which are insured by the Federal Deposit Insurance Corporation;

(3) the Federal Credit Union Act [12 U.S.C.A. § 1751 et seq.], by the National Credit Union Administration Board with respect to any Federal credit union;

(4) subtitle IV of Title 49, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board;

(5) part A of subtitle VII of Title 49, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that part; and

(6) the Packers and Stockyards Act, 1921 [7 U.S.C.A. § 181 et seq.] (except as provided in section 406 of that Act [7 U.S.C.A. §§ 226, 227]), by the Secretary of Agriculture with respect to any activities subject to that Act.

The terms used in paragraph (1) that are not defined in this subchapter or otherwise defined in section 3(s) of the Federal Deposit Insurance Act (12 U.S.C. 1813(s)) shall have the meaning given to them in section 1(b) of the International Banking Act of 1978 (12 U.S.C. 3101).

(c) Agency powers

For the purpose of the exercise by any agency referred to in subsection (b) of this section of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this subchapter shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection (b) of this section, each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this subchapter any other authority conferred on it by law, except as provided in subsection (d) of this section.

(d) Rules and regulations

Neither the Commission nor any other agency referred to in subsection (b) of this section may promulgate trade regulation rules or other regulations with respect to the collection of debts by debt collectors as defined in this subchapter.

See References in Text note below.

§ 1692m. Reports to Congress by the Commission; views of other Federal agencies

(a) Not later than one year after the effective date of this subchapter and at one-year intervals thereafter, the Commission shall make reports to the Congress concerning the administration of its functions under this subchapter, including such recommendations as the Commission deems necessary or appropriate. In addition, each report of the Commission shall include its assessment of the extent to which compliance with this subchapter is being achieved and a summary of the enforcement actions taken by the Commission under section 1692 of this title.

(b) In the exercise of its functions under this subchapter, the Commission may obtain upon request the views of any other Federal agency which exercises enforcement functions under section 1692 of this title.

§ 1692n. Relation to State laws

This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter.

§ 1692Exemption for State regulation

The Commission shall by regulation exempt from the requirements of this subchapter any class of debt collection practices within any State if the Commission determines that under the law of that State that class of debt collection practices is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement.


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23:33 22 Sep 21
Great experience dealing with Bo Jeffries and his team. Highly recommend them for professionalism, responsiveness and... friendly attitude. Everything was done in a timely manner and the outcome was superb. Thank you!read more
Maria Rotenbakh
Maria Rotenbakh
15:53 22 Sep 21
It has been an awesome experience working with Kahn and Associates! Their staff were professional and down to earth. They... took the time to explain my case and kept me informed on the status of my case. I could not had a better professional team to handle me case! I would recommend anyone who need the help in their Leon law case! I’m very pleased with their service!!! Their AWSOME!!read more
Mercedes Perryman
Mercedes Perryman
22:02 12 Sep 21
Well worth the phone call! I received a nice settlement.
Paula Danish
Paula Danish
12:44 12 Sep 21
Overall good experience with Kahn and Associates. Most importantly they were able to settle my case. I would recommend... using them, and I would use again myself if needed.read more
Craig Stephens
Craig Stephens
18:28 09 Sep 21
My attorney took charge immediately, and got fast results on Lemon Law Issues with my 2018 Jeep Compass. I highly recommend... this law firm whenever you have a problem, they are there to serve and protect us!read more
Charles Wayman
Charles Wayman
15:09 09 Sep 21
This was a painless, no hassle experience. They get results fast!
Tom Plunkett
Tom Plunkett
17:48 04 Sep 21
Very impressed with the level of communication and professionalism. Attorney Kahn and Paralegal Victoria Eck were the... absolute best. Answered every question I had ( and I had a ton). Never rushed a conversation and I knew they listened to me. I felt like a valued client! My outcome was better than I expected and I will be forever grateful! Very rare qualities! Trust this firm. You won't be sorry!read more
lnaf Nafziger
lnaf Nafziger
15:32 01 Sep 21
This was a very good outcome of my case thanks to Kahn& Associates,LLC I would strongly recommend this firm for any... situation.read more
Terry Davis
Terry Davis
20:06 31 Aug 21
They made the process friendly and aa fast as they could. Over all very happy with the service I received
Danielle Peters
Danielle Peters
18:08 21 Aug 21
Awesome law firm and staff. Completely satisfied with my results after the dealership treated me unfairly.
Kevin Mike Mckinney
Kevin Mike Mckinney
01:46 18 Aug 21
As a client of Kahn & Associates I am very pleased with the outcome of my services. They were attentive, professional,... timely, and without them I would not have had success with my lemon law matter. I would recommend this law firm to anyone and am grateful for what they were able to accomplish for me in very little time. Many thanks to the hardworking team at Kahn & Associates!read more
Leonard Artim
Leonard Artim
14:49 15 Aug 21
Fantastic service, quickly addressed the issue with the vehicle and got results !! A+
Tim Heck
Tim Heck
17:29 09 Aug 21
I recommend Kahn & Associates they take care of buisness.
Ustachia Humphreys
Ustachia Humphreys
00:37 06 Aug 21
They are very good at what they do and get positive results
Janet Webb
Janet Webb
21:59 04 Aug 21
Very good at what they do and they get very positive Results
Janet Webb
Janet Webb
21:56 04 Aug 21
If you have tried unsuccessfully to deal w the manufacturer about a lemon, save yourself time and headache, and just let... Kahn & Associates handle it for you. They helped my cousin and he referred me. I'm so glad I called them. Let them help you too!read more
Chastity Butterfield
Chastity Butterfield
16:17 22 Jul 21
Very helpful and informative group. Was able to work with me on what I needed, and got a better solution than I expected.... Awesome people to work with.read more
Corey Fry
Corey Fry
17:17 15 Jul 21
They made it so simple and easy to understand the legal process. Always answered me quickly when I had questions. Kept in... touch and updated me immediately of all actions regarding my case.read more
Becky Vaughn
Becky Vaughn
16:18 12 Jul 21
I had a very positive experience working with Kahn & Associates. They are very communicative & professional, work diligently... to get your case resolved and most importantly, take that your bad ownership experience and make it to a good one! Thanks once again.read more
Theodore Maleski
Theodore Maleski
03:31 07 Jul 21
I got a letter detailing I may be entitled to some sort of compensation for the issues occuring with my 2018 Jeep Renegade... from Kahn And Associates. I inquired and was told to gather certain documents so that we could proceed with the lawsuit. I got timely responses every step of the way and a few months later, I made a deal with the manufacturer for a settlement. Bo Jeffries was awesome as my lawyer. I highly recommend their services for lemon law claim needs!read more
Steven E
Steven E
13:09 01 Jul 21
Awesome, seamless experience!
Sunday Kincaid
Sunday Kincaid
15:28 25 Jun 21
Everyone was helpful and pleasant to work with. They kept me informed and were realistic on how long the process would be. I... highly recommend them.read more
Danielle Raines
Danielle Raines
16:39 13 Jun 21
I had a very good experience with Kahn.Jordan was great and very helpful to me.I would absolutely use them again.Thank... youBryon Sread more
Bryon Striker
Bryon Striker
20:05 10 Jun 21
With Covid -19 peaking at the time, I thought it would be a long time or a struggle before I would get paperwork done and... all my questions answered. Instead Quick responses, my questioned answered and my case handled professionally, without long waits between contacts. I would highly recommend this firm too any family and friend.read more
Raysfurreel
Raysfurreel
21:29 22 May 21
BO WAS GREAT AND VERY RESPONSIVE. ENJOYED WORKING WITH HIM AND HE DID A AWESOME JOB,
BIG BEAR PREPS
BIG BEAR PREPS
13:30 19 May 21
This firm understands & executes!!!! When others said they couldn't help & discouraged me from pursuing a claim....Khan &... Associates were professional and helped me to gain the resolution I was looking for!!!!No matter how long u had the car, just give them a call and let them review your situation...DON'T HESITATEread more
LaToya Thomas
LaToya Thomas
10:44 18 May 21
The most important thing that people should know about Kahn & Associates is that they are... legit/reputable/trustworthy/knowledgeable. The process was super easy and they made everything convenient and that is the exact kind of service I would pay extra for. Great experience.read more
Janiece Young
Janiece Young
15:29 10 May 21
Very kind people at this firm, and they were very professional and genuine. Would recommend. 🙂
Christina Crider
Christina Crider
16:33 04 May 21
I am an client of Bo at the law firm he was awesome he walk me through everything and helped my Family after a terrible time... in our lives i couldn't have asked fir an Better attorney! Hand downread more
Vietta Perry
Vietta Perry
23:46 30 Apr 21
Honest, professional and kind hearted. They took care of everything and told us to concentrate on my husband disability.
Tabatha Roberts Frasure
Tabatha Roberts Frasure
18:20 21 Apr 21
Attorney Robert Jeffries was an absolute gift for my husband's case. Everyone kept us informed, even during the COVID issues.
Tabatha Frasure
Tabatha Frasure
18:19 21 Apr 21
Thank you very much Mr Robert Jeffries . your professionalism and your kindness meant slot after the death of my nephew... during my court case.it was a long process and without you I wouldn't of got the favorable decision.Your staff was helpful and kind . I would truly recommend Kahn and associates.thank you All againread more
Grace Bergholz
Grace Bergholz
23:23 19 Apr 21
Very satisfied with this company. Very professional & responsive. Very decent settlement. Would not hesitate to recommend... this company.read more
TERENCE DEVINE
TERENCE DEVINE
15:26 17 Apr 21
When I thought my brand new vehicle was lemon Kahn & Associates helped me with the case. It turns out my vehicle couldn’t be... deemed a lemon, but there were some issues with it that Mr. Scharville from Kahn & Associates won the case against the dealership for me. I am very pleased with their professionalism and dedication to their work. If I ever end up in a situation like this again I’d use them in a heartbeat.read more
Debra McDonnell
Debra McDonnell
21:52 16 Apr 21
Bo Jefferies is a fantastic attorney, a pleasure work with.Would recommend to use.
James Marotta
James Marotta
13:34 15 Apr 21
Very pleased with the services we received from Kahn & Associates. Being we live some distance from their office it was nice... to be able to handle everything through phone, mail and email. I was skeptical at first just finding an attorney on the internet but was put at ease when they quickly started on my case. The process does take some time so I do recommend patience and you will receive a happy outcome. Summing up Kahn and Associates were able to take a great burden off of my wife and I's shoulders and fought to get us a nice settlement. They get my recommendation and I will steer my family, friends and co-workers in their direction if they unfortunately have a lemon law issue.read more
John Garman
John Garman
18:31 14 Apr 21
This company has helped me twice I love them they are very professional and they get the job done the best lawyers I’ve had... if I could give 100 Stars I would!read more
SaToya Houston
SaToya Houston
20:08 13 Apr 21
I recommend Kahn and associates to represent anyone having issues with their vehicles ( lemons). I'm satisfied with my... settlement and they always kept me updated by phone , text and email. Thanks for all you have done for me.read more
Tom Longeway
Tom Longeway
13:38 30 Mar 21
every part of the team were great they keep up on everything and keep me informed too. they will get to all the facts.and... help you in every way possible if you need help call them they are great and i greatly thank them stephread more
stephanie bailey
stephanie bailey
20:06 28 Mar 21
I’m very glad I hired Kahn and Associates to represent me in my lemon law case. They were very pleasant to work with and... also kept me informed. Very pleased to say I am now in a safer vehicle, using the money from my settlement. Thank you!read more
Barb Palmer
Barb Palmer
16:11 11 Mar 21
Very thorough professional office, from the admin to the JD's. They answer any and all questions quickly, and take the time... to explain all aspects of what to expect. Down to earth real people! Thanks!read more
M. Jay Hurles
M. Jay Hurles
16:50 09 Mar 21
The GM class Action I filed with Kahn & Associates was solve quickly. They kept me informed on everything that was going on... and questions that I had, they answered. Great Law Firm.read more
Natalie C
Natalie C
17:03 07 Mar 21
They reached out to me and at first I thought it was a scam. Thankfully in the end I got a nice cash settlement. Great... people to work with and they are extremely friendly.read more
Shawna McIntire
Shawna McIntire
13:22 07 Mar 21
Robert jefferies was always there to talk to and did a very good job.
Jeremy Davis
Jeremy Davis
19:09 05 Mar 21
I was extremely happy with the service provided by Kahn & Associates, LLC. The helped my deal with a GM vehicle that had a... lot of problems. They were very responsive to my concerns and handled the case quickly and the outcome was better than expected. I highly recommend Kahn for your lemon law concernsread more
Steve G
Steve G
16:54 05 Mar 21
They were great Victoria Eck answered all my Questions and Dan settle my case quickly , I kept my car and got money back... ,Plus the car was fixedread more
Guy VESPUCCI
Guy VESPUCCI
23:12 28 Feb 21
What a pleasant experience having Kahn &Associates handle my claim and issues regarding problems with a newer vehicle. Very... professional ,very helpful and explained fully the process and answered any questions I had. I would not hesitate to use Kahn & Associates again. My thanks to them.read more
George Topik
George Topik
20:49 26 Feb 21
I have a 2018 ram 2500, that I purchased new. The radio computer began acting up, shutting off and restarting at random. I... took the truck in four times over a short period, the dealership didn't want to replace it due to the said cost to be $6k, so they continued to do updates hoping it would fix the issue. I ended up contacting Chrysler, only then did the radio computer get fully replaced, which would make trip #5 to the dealership. Also in the meantime I contacted Kahn & Associates, due to the issue, and the length of time it took to get resolved, they fought in litigation and got me a settlement for myself. I am very pleased with the outcome, they handled everything, and they were very professional. The length of time from start to finish was a mere fraction of what it takes for a complete lemon lawsuit trial to go through the courts. I give Kahn & Associates a 5 out of 5.read more
BJ Wilson
BJ Wilson
13:22 26 Feb 21
I have a 2018 ram 2500, that I purchased new. The radio computer began acting up, shutting off and restarting at random. I... took the truck in four times over a short period, the dealership didn't want to replace it due to the said cost to be $6k, so they continued to do updates hoping it would fix the issue. I ended up contacting Chrysler, only then did the radio computer get fully replaced, which would make trip #5 to the dealership. Also in the meantime I contacted Kahn & Associates, due to the issue, and the length of time it took to get resolved, they fought in litigation and got me a settlement for myself. I am very pleased with the outcome, they handled everything, and they were very professional. The length of time from start to finish was a mere fraction of what it takes for a complete lemon lawsuit trial to go through the courts. I give Kahn & Associates a 5 out of 5.read more
Stoss Truppen
Stoss Truppen
13:19 26 Feb 21
I would recommend you call them if you feel that you have been taken advantage of by a car company or car dealer., they will... make it right and get you what you deserve. They were wonderfulread more
Dwight Lee
Dwight Lee
11:17 15 Feb 21
Very professional job ... well done . I have used this firm on 3 different occasions and the have delivered every time .
jason handy
jason handy
20:21 12 Feb 21
We were contacted by Kahn & Associates regarding the various recalls on our Honda Odyssey and they offered to contact Honda... on our behalf and have our complaints registered. During our ownership we have had nuisance issues that were quite bothersome.We gathered all of our Service repair bills and explained the issues we had, past and present. That's when their office went to work and after a few weeks we negotiated a settlement to cover all of the nuisance issues we had with the car.Vickie, Dan and Jordan kept us informed every step of the way during the process and it all came together rather quickly. If I'm ever in a situation like this again, I will contact their office first.read more
Thomas Baker
Thomas Baker
00:14 10 Feb 21
Easy to work with. I didn’t feel pressured at all. The process was professional & transparent from beginning to end. Highly... recommendread more
William Kemmerling
William Kemmerling
15:20 08 Feb 21
I recently settled a lemon law case with the legal assistance of Kahn and Associates. I am very happy with the outcome of... the suit. My attorney always made me feel comfortable, explained things to me and never pressured me in any way to settle the dispute. I have very high expectations and rarely provide 5 star reviews but this firm has earned it.read more
Keith Poland
Keith Poland
14:40 22 Jan 21
I was very satisfied with the service from this law firm, the process far exceeded what I expected, I want to thank Kahn &... Associates for their servicesread more
Edward Mitchell
Edward Mitchell
20:54 13 Jan 21
Had transmission problems with my 2017 Ford Focus called them sent all paperwork and that was it .They took care of ... everything answered all my questions only took about 3 months got a check in the mail easy and fast would definitely use them again referred a friend to themread more
Jeff Gangloff
Jeff Gangloff
19:39 02 Jan 21
I had about all of GM excuses not being able to repair my vehicle, it was in the shop 14 times for the same issues. GM... after 2 + years told me that I was using cheap fuel ? I was so mad I could scream, I contacted Kahn & associates , I explained what I had been going through, they told me We have your back, And let me tell you they did ! I just deposited a settlement check from General motors, Thank you Kahn and associates you have my business for ever ! HELL OF A JOB !!!!read more
Bill
Bill
20:22 23 Dec 20
We were having issues with our 2019 Silverado. After going to several dealers and they said nothing was wrong with it, we... didn't know what to do so we reached out to Kahn. They were able to help us and get us what we needed to get out from under the truck. We were so pleased with the outcome. We highly recommend Kahn and Associates! Awesome customer service, quick response and very knowledgeable.read more
Ginger Gill
Ginger Gill
21:37 21 Dec 20
Dan Scharville and his firm were great to work with. We were able to secure a full buy back of our vehicle after... experiencing several problems with it. Their relationships with the adjusters were instrumental in securing this result.read more
Paul Mancino
Paul Mancino
20:18 18 Dec 20
Outstanding!!!Just settled my third case with Dan Scharville. In all three instances I attempted to rectify my cars issues... with customer service. Each time the manufacturers told me to pound salt. In all three cases Dan obtained larger settlements than my bottom line. Victoria is a pleasure to deal with and communication with the firm was excellent.I was most impressed with Dan's willingness to keep me satisfied through the whole process. Kahn and Assoc. was totally willing to invest any amount of time or resources to assure I received the outcome I desired. I was never pressured to settle with initial lowball offers so Kahn could make a quick buck. There is no doubt in my mind that Dan was willing to put up with the manufactures delay tactics and see each case through to the bitter end.Think about it... Kahn and Associates takes all of the risk. I had to provide a little information they provide everything else and they don't get paid until I do.If you have a legitimate case let them go to work for you.read more
Lot 11
Lot 11
16:22 16 Dec 20
Initially, we got off to a bit of a slow start but once they got started, it was full steam ahead. They quickly and... seamlessly navigated through the case and ultimately secured a settlement for my 2017 Chrysler 200 lemon.read more
A Harvey
A Harvey
21:28 13 Dec 20
I am extremely satisfied by Kahn’s service they provided for me. They are so friendly and definitely knowledgeable. I would... use them again and would not hesitate to refer them to my friends and family. If they told me something it always came to pass. Thank you Kahn and Associates for your services. Happy Holiday to you all.read more
Connie Hall
Connie Hall
20:34 12 Dec 20
My Buick began breaking down 6 months after I purchased the car. It was suppose to be a certified vehicle. The law Firm did... an amazing job and was able to get me over $8000 compensation. It really helped!!! They were prompt in responses to my questions and kept me updated throughout the process. I would recommend them to anyone who needed help!!! Great job!!read more
Dangerous Danny
Dangerous Danny
16:46 11 Dec 20
They were so helpful and did everything in a timely manner. Always there to answer questions. I highly recommend
Brigitte Williams Paugh
Brigitte Williams Paugh
21:15 10 Dec 20
I cannot thank Dan and Victoria enough for helping with my 2019 Silverado's brake issues. I hope that I never ever have to... go thru this again, but, I will highly recommend Kahn and Associates to anyone having Lemon Law problems!read more
Kdogg2118
Kdogg2118
20:37 19 Nov 20
Highly recommend this amazing Law Firm! Purchased a new vehicle and, after 3 years, I acquired problems that shouldn't have... existed! I went out of my comfort zone and I called them to see if there were any alternatives for me, other than just to cry. I was new at this and didn't know where to begin.I was hoping to seek out some sort of compensation, even if it was only a few hundred dollars, due to the numerous times of having our Silverado in the shop.Bottom line, after sending all my paperwork to them, they made this process effortless and painless for me! They went over and beyond, kept me in the loop, and called me and asked me if I would settle, after negotioating. After speaking with the lawyer, he went back to see if they would go higher. End result, I happily settled!! I stand firm when I say that they really are an amazing firm with people whom genuinely care.Thank you from the bottom of my heart!!Kimberlyread more
Kimberly Gregorace
Kimberly Gregorace
17:45 16 Nov 20
They were awesome! Listened and helped us with everything ! Didn’t take very long at all! Would advise anyone to use them
Sandy Willis
Sandy Willis
22:41 05 Nov 20
The team at Kahn & Associates we're all very helpful and friendly and it was great to have somebody on my side against one... of the big Auto producers. I would recommend this Law Firm if anyone is in need of good representation against a car company.read more
Rob Tilton
Rob Tilton
19:02 04 Nov 20
I love the fact that the firm did not hesitate to take my case, listened to my complaints, responded quickly to my concerns,... and acted on my behalf with my best interests at heart. They are real troopers and there for you. Thanks for listening and fighting for me your professionalism is appreciated.read more
Anthony Hall
Anthony Hall
01:52 24 Oct 20
Great Service and prompt responses
Adam Fares
Adam Fares
15:40 22 Oct 20
I want to thank Bo Jeffries and Jordan Wolf for an excellent job in helping me with the issues with my Infiniti QX 50. I... was very pleased with their professionalism and promptness. They were also very friendly. Thank you to all of the staff.read more
Douglas timpe
Douglas timpe
17:59 19 Oct 20
Kahn and Associates were great with handling my issues with my GMC complaints. Victoria and Dan were very friendly and... efficient with my caseread more
Bob Thoman
Bob Thoman
17:34 19 Oct 20
Kahn and associates were always there to answer my questions pertaining to my vehicle not being returned to me for almost 2... months from the dealer due to the radio of my car not being available for replacement. Victoria was pleasant to work with, knowledgeable, and efficient. Thank you all!read more
Wally Irizarry
Wally Irizarry
14:57 16 Oct 20
I thought I put a review after Ryan had reached a settlement for me. If you are in need to get your cased handled. This is... the place to call. My case was handled professionally and quickly. I was kept informed through out the process.I recommend Kahn & Associates.read more
Lezlie Howard
Lezlie Howard
17:31 12 Oct 20
It has been refreshing to find these good folks that will work hard for you. I had received a mailer from them and like many... may have wondered if it was someone that would look out after me or just themselves.I'm pleased to be able to say I believe the great people at this law firm are driven to work for and protect the rights of the consumer. The big auto companies will try to wear you down and try to get you to go away. Please stand up for your rights and let Kahn & Associates help you navigate through your issues. They are good down to earth people.read more
Jason Scaglione
Jason Scaglione
13:39 09 Oct 20
Great service, very professional and timely. They care about their clients and will do all they can to help them succeed.
Michelle Broome
Michelle Broome
21:11 07 Oct 20
This team has been great! Extremely helpful, timely, respectful, and polite. Customer service is a big plus for me. Yes,... I want results, and I want an attorney who will get the job done, but every staff person I spoke with was courteous and really professional. That means a lot! They really worked on my behalf and got me a fair settlement. Sometimes you think that there's nothing you can do. It's wonderful to know that consumers have recourse and this firm has given me hope that folks working in the law are working to make things fair for consumers.read more
Michelle Broome
Michelle Broome
15:32 29 Sep 20
Very professional staff. Kept me informed on the status of my case. They were very quick in responding to my emails. Would... definitely recommend Kahn & Associates.read more
brenda davis
brenda davis
09:45 29 Sep 20
They sent me a letter, about there firm, I called them and they explained what they did and how they may be able to help me.... I wasn’t sure at first but then They set me up to talk to the lawyer himself, and was assuring on what they do. Was up front and didn’t ask for any money up front so I proceeded and just like they said in about 6 weeks they called and had an offer to settle and we discussed our options and didn’t settle and they went back with a counter and got me more than I thought was possible. They had my best interests in mind. Would recommend them to anyone.read more
Brent Kochis
Brent Kochis
00:14 26 Sep 20
They made my lemon law case easy to deal with and got me results.
Kelly Carson
Kelly Carson
16:05 25 Sep 20
Very quick responses to all questions. Friendly and Professional service. I will definitely call them again, if the need... arises! Very cost friendly too. They won my disability case for SSA on the 1st try!read more
laura varisco
laura varisco
00:53 19 Sep 20
The staff was very patient with my questions. My emails and phone calls were answered professionally and timely. I always... knew where my case stood and the timeline for any activity. Staff was very friendly and kind throughout the entire process. My claim was not millions but I never felt like that made me less of a client. They treated me just like it was worth millions to them. I was nervous to take on a car company and they put me at ease and helped me to navigate the system and process. I can't thank them enough!read more
Avalene Neininger
Avalene Neininger
13:33 07 Sep 20
I received a mailing for a class action lawsuit on my 2016 Chevy Malibu. I called Kahn & Associates and spoke with them and... they let me know right away that I had a valid claim outside of the class action. They handled my case with kindness and precision. Quick response to emails and phone calls. Robert gave me this honest opinions and listened to my concerns. I was able to settle the Chevy for more than I thought I was going to receive.read more
Carmen Daniel
Carmen Daniel
13:11 01 Sep 20
I'm totally impressed with their commitment in doing all the research and findings for my case and keeping me updated on... everything, you all show your professionalism and integrity. thank youread more
Terry Danzy
Terry Danzy
23:30 20 Aug 20
All of these great reviews that you read about Mr. Bo Jeffries are on point (very real)! He keeps you informed along the way... and doesn’t mind answering questions. But, I also want to give credit to the awesome support staff, a.k.a., the super Paralegals! EVERY time I called and they answered they were always professional, knowledgeable and helpful. NEVER once did I feel like I was bothering them. That is a rare GEM. This clearly shows two invaluable things with respect to Kahn & Associates: (i) the tone-from-the-top exudes strong leadership and core values, and (ii) that the Owner(s)/Partner(s) of this law firm value their staff and understand the importance of proper paralegal (staff) utilization. I am beyond impressed to say the least!To give you an idea on how long you MAY have to wait for your settlement check once an agreement is reached- Settlement agreement reached on 6/18/20. Cash settlement received 8/7/20.I would highly recommend Kahn & Associates. I would use them again if ever needed (although, hopefully not).read more
Stacey (Mack)
Stacey (Mack)
16:52 12 Aug 20
I didn't expect anything, but they got me a settlement on my Cadillac under a breach of warranty issue.They had one offer... and said they could get more, and they did. I would recommend themread more
David Baker
David Baker
03:18 11 Aug 20
This firm was very easy to work with and got the job done. Courteous to work with. Highly recommend and would use again if... need be.read more
Diann Hamons
Diann Hamons
17:48 10 Aug 20
They was simply amazing thank you guys for taking care of my lemon law you went above and beyond for me !!
Bryan moracco
Bryan moracco
17:05 07 Aug 20
I had a very positive experience dealing with my lemon lawsuit for Chevy Equinox. Kahn and Associates made it very simple... and quick. I would definitely work with them again and recommend their law firm.read more
Jennifer Abraham
Jennifer Abraham
00:32 05 Aug 20
I am completely satisfied with the professionalism of all at Kahn & Associates. Dan Shervelli, Victoria Eck and Jordan Wolf... works very well as a team. I am super grateful to have worked with them. Very precise and settled my case in little to no time. I definitely would recommend them to everyone. Thanks Guys stay safe and keep up the good work.read more
laronda simmons
laronda simmons
17:05 04 Aug 20
Did not expect anything. Thought it was a scam at first. After negotiating i got a descent settlement Not what i was told... at first but half. I will use them again if i need to.read more
Jason Baumgartner
Jason Baumgartner
02:51 23 Jul 20
The only reason I have not yet given 5 stars is because my case isn't resolved I gave four because of the professionalism.... Vickie has been wonderful and so have the other ladies that I've spoken to. When I called Kahn Associates I was at my wit's end..These car manufacturers want to offer you a deal to go away they won't tell you that but that's what it is they're not interested in what's wrong and they're definitely not on the side of right. I am dealing with issues with my 2016 Ford Focus and I needed help and answers. I'm still waiting for my case to be resolved however I feel at ease knowing that I have a wonderful team of professionals handling this matterread more
Nicole Wilson
Nicole Wilson
21:48 18 Jul 20
Kahn & Associates, LLC, was wonderful in assisting us with our vehicle matters. The firm is very responsive, highly... professional, and well organized. A special thank you to Jordan for always making yourself available!read more
Brandon Copeland
Brandon Copeland
22:21 15 Jul 20
Dan Scharville helped me out with a problem I was having with my Ford F-150 he was very informative and explained everything... clearly, everyone I spoke with was knowledgeable and friendly thank you for everythingread more
Dave Wilson
Dave Wilson
16:39 27 Mar 20
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