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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Jarrod Burns
08:55 03 Aug 22
This is the second case Kahn & Associates LLC has handled for me and each time the cases were handled with positive results.... They were in touch with me every step of the way to let me know where everything was going. In the end I received a generous compensation for my Lemon Law incident. I recommend anyone that has a Lemon Law situation to give Kahn & Associates the opportunity to handle their complaint. I am sure you won't regret it.Thank you Kahn & Associates for your help and great results once again.William Flaughread more
bill flaugh
bill flaugh
16:10 29 Jul 22
I would highly recommend this firm. They kept me abreast of status often and each associate that I worked with were both... personable and professional.read more
Martha Hooks
Martha Hooks
16:57 17 Jul 22
Our dealings with Kahn & Associates, LLC was seamless, they made it so easy for us and still can't believe we settled our... claim with just a few emails. We had a check for our claim within weeks of settling. I would recommend this firm to anyone experiencing something that just isn't ethically right. They will stand by you and fight every step of the way!! Thank you Kahn & Associates, LLC.read more
christina klesta
christina klesta
16:27 17 Jul 22
great doing business with Kahn and associates got me money from ford when had to put new motor in and was without it for 33... daysread more
Keith Long
Keith Long
15:42 07 Jul 22
I cannot recommend them enough!! After dealing with several serious transmission/engine power/electrical defects with no... service center able to fix it, I decided I’d had enough. After hours of researching, I discovered Lemon Law.. I decided to reach out to several law firms. A couple contacted me back, but gave me little hope for a case because I was technically outside of certain specifications to file. It was a little discouraging, and I was ready to take the loss from this vehicle and move on.
HOWEVER, once Kahn & Associates contacted me, they gave me the go-ahead to file and ensured me that they could help me. They explained the ways around it and the federal laws that apply, as well. So I completed the initial consultation and was contacted by Bo Jeffries shortly after.. and when I tell you that EVERY SINGLE communication from that office from there on out was beyond professional and timely, I’m serious. Bo contacted me via phone for our first conversation. He was patient with me, as I was literally at work during the call, but was desperately wanting to speak with him. I had to pause and put him on hold a couple of times.. I also had many questions and scenarios to run by him.. he was so pleasant.. down to earth.. patient.. kind.. and treated me like I was a million dollar client!! I was contacted shortly after that by Victoria Eck, the paralegal for his team, and was given updates on my case.. and I have to say that Vicki is the best!! She is so kind and also incredibly patient with me.. she was so quick to respond to any questions I had, and I mean she has ALWAYS emailed back within MINUTES.. And as we got the ball really rolling into the case, Bo and Vicki have kept me in contact.. I had some issues/delays completing the documentation for the discovery, and she was incredibly patient and helped me with questions and guided me through the process and explained anything I needed more detail on.. The bulk of the process was only the last couple months. I had all my documentation turned in, and in less than two weeks, Bo emailed me in the evening (yes, evening.. well after business hours) to deliver the amazing news that GM had settled, and it was DOUBLE the amount that Bo and I had discussed!! Even further, I had another question regarding settlement paperwork before returning to them, and Bo emailed back within minutes (in the evening and during the weekend) to give me an answer!! I cannot say enough great things about this law firm.. the entire staff is courteous and helpful.. and they will never treat you less than.. !! I’ve even called the office before for Victoria, and another staff member answered.. and even that lady was so kind and helpful and gave me what answer she could and then transferred me to Victoria’s voicemail.. I mean, they are ALL so wonderful.. I’m amazed at how truly wonderful these people are.. I’ve never filed a lawsuit against anyone, let alone something as big as General Motors.. so it was definitely nerve racking at first.. but after my communication with Bo and Victoria, I’ve never felt any nerves.. this whole thing was such a fast process, and I was kept up to date the entire time.. now, I am just going to patiently wait for the settlement check, so I can now get a better vehicle for myself and my child.. thanks again, you guys!! Truly the best!!
read more
K.B. Daniel
K.B. Daniel
09:55 02 Jul 22
I cannot recommend them enough!! After dealing with several serious transmission/engine power/electrical defects with no... service center able to fix it, I decided I’d had enough.After hours of researching, I discovered Lemon Law.. I decided to reach out to several law firms. A couple contacted me back, but gave me little hope for a case because I was technically outside of certain specifications to file. It was a little discouraging, and I was ready to take the loss from this vehicle and move on.HOWEVER, once Kahn & Associates contacted me, they gave me the go-ahead to file and ensured me that they could help me. They explained the ways around it and the federal laws that apply, as well.So I completed the initial consultation and was contacted by Bo Jeffries shortly after.. and when I tell you that EVERY SINGLE communication from that office from there on out was beyond professional and timely, I’m serious.Bo contacted me via phone for our first conversation. He was patient with me, as I was literally at work during the call, but was desperately wanting to speak with him. I had to pause and put him on hold a couple of times.. I also had many questions and scenarios to run by him.. he was so pleasant.. down to earth.. patient.. kind.. and treated me like I was a million dollar client!!I was contacted shortly after that by Victoria Eck, the paralegal for his team, and was given updates on my case.. and I have to say that Vicki is the best!! She is so kind and also incredibly patient with me.. she was so quick to respond to any questions I had, and I mean she has ALWAYS emailed back within MINUTES..And as we got the ball really rolling into the case, Bo and Vicki have kept me in contact.. I had some issues/delays completing the documentation for the discovery, and she was incredibly patient and helped me with questions and guided me through the process and explained anything I needed more detail on..The bulk of the process was only the last couple months. I had all my documentation turned in, and in less than two weeks, Bo emailed me in the evening (yes, evening.. well after business hours) to deliver the amazing news that GM had settled, and it was DOUBLE the amount that Bo and I had discussed!!Even further, I had another question regarding settlement paperwork before returning to them, and Bo emailed back within minutes (in the evening and during the weekend) to give me an answer!!I cannot say enough great things about this law firm.. the entire staff is courteous and helpful.. and they will never treat you less than.. !! I’ve even called the office before for Victoria, and another staff member answered.. and even that lady was so kind and helpful and gave me what answer she could and then transferred me to Victoria’s voicemail..I mean, they are ALL so wonderful.. I’m amazed at how truly wonderful these people are.. I’ve never filed a lawsuit against anyone, let alone something as big as General Motors.. so it was definitely nerve racking at first.. but after my communication with Bo and Victoria, I’ve never felt any nerves.. this whole thing was such a fast process, and I was kept up to date the entire time.. now, I am just going to patiently wait for the settlement check, so I can now get a better vehicle for myself and my child.. thanks again, you guys!! Truly the best!!read more
Kaitlin Daniel
Kaitlin Daniel
09:54 02 Jul 22
Wonderful and swift! They work hard to keep you in the loop.
Michelle Guerin
Michelle Guerin
21:49 16 Jun 22
Was a problem with my Buick Envision entertainment system (radio).Had it to Dealer several times. Dealer just pretty much... ignored my problem. I would go back to the dealer after several weeks of waiting for a loner car to fine a different wright up person that didn’t know anything about the appointment, I made with the previous wright up person. This happened 3 times.When they did finally take another look at my problem, they did the same thing they did the first time that didn’t work then also.I started out not thinking this was no big problem, but after the run round the dealer was giving me I became very frustrated actually more like PoEd, and considered the Lemon Law.Then I contacted Kahn & Associate who assured me that no case was to small. Took my case to GM and was able to get a dollars and cents settlement with GM that I used to trade off that new vehicle that was never fixed and purchased one that is.I highly recommend this Firm they took the lead and settled my disbute with little to no effort by me.Would hire them in a instant.Thank you Kahn & Associates for your help iWhen they did afterread more
Leedar 62
Leedar 62
15:03 07 Jun 22
Thank you all for such professional and great assistance with my case.
Lizzetta Mosley
Lizzetta Mosley
17:42 05 Jun 22
My mom and I was very pleased with this firm. From the time we inquired until the end everyone was very professional. They... were understanding, they set expectations and reach them. We would be happy to refer anyone to this firm.read more
LaKrisha Ivory
LaKrisha Ivory
00:18 17 May 22
I was very satisfied with the outcome and timeliness of my case against General Motors
Raymond M. Bishop
Raymond M. Bishop
23:57 16 May 22
Very Satisfied with the outcome of my case handled by Kahn and Associates
Raymond M. Bishop
Raymond M. Bishop
23:55 16 May 22
Jordan Wolf and his team are awesome. They worked fast, communicated well and got me a very fair settlement check from GM.
Joel Kulish
Joel Kulish
19:02 16 May 22
Easy to work with. Settled things quickly on my 2018 Silverado. l recommend them.
Tom Rentschler
Tom Rentschler
18:16 15 May 22
I am very appreciative of the service that this law firm has given me they did the job Swift and accurate thank you all
Andre Manning
Andre Manning
16:18 15 May 22
Highly recommend! Best customer service, quick resolutions, & they definitely have their client's best interest at heart.... They were eager to assist in anyway possible regarding my case. Please share with friends, colleagues, & loved ones. They won't be disappointed.read more
Chereka Cherry
Chereka Cherry
21:45 04 May 22
Bo knows the Lemon Law! After numerous complaints with my Ford Focus, Kahn & Associates took charge of my situation which... resulted in a very fair settlement with Ford. I also appreciated very fast return phone calls from him and his staff. I highly recommend Kahn & Associates if you feel you have a lemon.read more
Raymond Denczak
Raymond Denczak
23:33 27 Apr 22
What a awesome job this team done second time I have use them , exceeding all expectations in a fast and efficient time... frame Great job .read more
michael roberts jr
michael roberts jr
16:58 21 Apr 22
Kahn & Associates are top notch attorneys, The staff is very professional, receptive and informative. Attorney Dan... Scharville did a fabulous job with my lemon law case settlement. Would definately recommend this law firm,God Bless,read more
James m Dominick
James m Dominick
06:25 20 Apr 22
I wasn't sure if I really wanted to go through the trouble of a legal claim on my truck and even had 2nd thoughts after... calling Kahn...but with basically no work from me, their expertise and experience got me a nice win in a very short amount of time!!!! I would highly recommend!!! This is an update....2 weeks later. Just to top it off, they just sent me a check (that was addressed to them!) on top of my settlement, for filing fees from the court, that they gave back....who does that???read more
Brian Wallace
Brian Wallace
04:52 20 Apr 22
I loved working with Kahn & Associates. Everyone was so nice.
TKD
TKD
10:11 18 Apr 22
Making the call to Kahn & Associates was a divine appointment! I picked the perfect firm to handle my vehicle through the... lemon law I couldn’t be more happier with how they handled everything I didn’t have to do a thing and I received a reimbursement for my investment thank you con of associates I’m very pleased.read more
Donna Mikusevich
Donna Mikusevich
00:50 12 Apr 22
When I got your letter I was skeptical but you came through with my 5000 dollar settlement. It was easy and all I had to do... was provide a few documents. My money came faster than expected. Thank you.read more
John Brumfield
John Brumfield
22:35 11 Apr 22
These guys are awesome they helped me win some money on my 2017 Duramax 3500 settlement
Gale Brewer
Gale Brewer
17:42 11 Apr 22
Great Firm , They where there when I needed them
David Carlton
David Carlton
14:52 07 Apr 22
Working with Kahn & Associates, LLC was very easy. They were very friendly ,professional and managed to get me a higher... settlement than I expected. Definitely a great firm to work with. thanks to a great team Larry Raseread more
Larry d Rase
Larry d Rase
14:41 05 Apr 22
Super great to work with! Everyone there made the entire process easy and they were always there to answer any questions. I... would definitely recommend them!read more
Dakota Maxwell
Dakota Maxwell
22:49 29 Mar 22
Very professional and respond immediately to any questions. Would strongly recommend!
Shane Bauhof
Shane Bauhof
23:42 28 Mar 22
Honest, quick and the outcome I was hoping for!
Matt Pollock
Matt Pollock
00:00 28 Mar 22
I really appreciate the job Kahn and associates did on my case against GMC. It was quick and effortless on my part. Thank... you so much Kahn and associates.read more
Leroy Shull
Leroy Shull
01:04 22 Mar 22
Very professional lawyers. I’m so pleased with there service they got myself a fair settlement in a timely manner so I could... get rid of my pos Chevy truckread more
Jason Robertson
Jason Robertson
09:17 18 Mar 22
They are very professional and did a amazing job concerning my Lemon Law Issue.
Daniel Miller
Daniel Miller
20:52 17 Mar 22
I came into the with an open mind and felt I truly had nothing to lose. I never expected that everything would go in my... favor, and I am so grateful that I finally responded to the NUMEROUS lemon law letters that I had received regarding my 2017 Pacifica.

After taking it to the dealership, countless times (for the same issues) and being sent away like the issues were normal and nothing to worry about, it was SO nice to be heard and taken seriously by Craig at Kahn and Associates.

The process was painless, the gathered all of my information and then even more from the dealership and went to work. From start to finish, the process took roughly 4 months and the settlement money is in my account.

I was even able to trade in the vehicle with zero issues and the claim had no impact on my trade in value which was a huge concern of mine.

I already have, and will continue to refer my friends and family to Kahn and Associates.
read more
Kelsey Foltz
Kelsey Foltz
04:05 12 Mar 22
I came into the with an open mind and felt I truly had nothing to lose. I never expected that everything would go in my... favor, and I am so grateful that I finally responded to the NUMEROUS lemon law letters that I had received regarding my 2017 Pacifica.After taking it to the dealership, countless times (for the same issues) and being sent away like the issues were normal and nothing to worry about, it was SO nice to be heard and taken seriously by Craig at Kahn and Associates.The process was painless, the gathered all of my information and then even more from the dealership and went to work. From start to finish, the process took roughly 4 months and the settlement money is in my account.I was even able to trade in the vehicle with zero issues and the claim had no impact on my trade in value which was a huge concern of mine.I already have, and will continue to refer my friends and family to Kahn and Associates.read more
Kelsey Shoupe
Kelsey Shoupe
04:02 12 Mar 22
I have always been skeptical of those Lemon Law lawyer mailer, but when I received one from Kahn & Associates describing a... problem I was having with my 2017 vehicle, I decided to make the call.After talking about my car and experience, they felt that I had a case. Bo asked me how much of a settlement I wanted. Having not done this before, I asked what he thought. He gave me a number that he would fight for. A few weeks later, I received an email saying that my settlement was nearly double that amount!The team was in constant contact after the case to let me know I would receive my funds. I've learned my lesson to always open that letter because you never know what might come of it. Thanks Kahn & Associates!read more
Zach Hazlett
Zach Hazlett
01:19 08 Mar 22
every call and email was responded to almost immediately they did a great job on my case my check was sent to me and... received it in about a little bit over a week so that was great I would refer them to anybody if they have a problem with a vehicle for sureread more
Tammy Witherell
Tammy Witherell
19:24 07 Mar 22
Love these attorneys. Right from the beginning they were always kind and helpful. They made it all happen. I had a brand new... Buick Enclave that seems it always was in the garage for weird things including a major problem. Thank you Kahn and Associate’s you ARE the bestread more
Robin Hewitt
Robin Hewitt
21:05 05 Mar 22
Very Happy, I recommend, Very well handled.
Randy Deaver
Randy Deaver
21:56 04 Mar 22
Professional didn't take long responded to emails quickly and basically won my case. overall they did a really good job
T W
T W
22:39 02 Mar 22
Very good at what they do. Everything we talked about, they got it done, and in a timely fashion.
David Jones
David Jones
04:10 01 Mar 22
Thank you so much for my successful law suit. I am impressed how well you updated me and communicated the process. Thank you... Dan and Victoria.read more
Ellie Stiles
Ellie Stiles
05:50 28 Feb 22
I HIGHLY RECOMMEND THESE LEMON LAW ATTORNYS. GOOD RESULTS!
Timothy Mather
Timothy Mather
01:58 28 Feb 22
Amazing law firm to do business with. Everyone I worked with from Kahn & Associates were kind, professional, timely and... answered all my questions efficiently. They handled everything from start to finish and didn’t require much from me. I highly recommend their services.read more
Matthew Bershok
Matthew Bershok
13:21 17 Feb 22
I absolutely think they did the best for me. The staff is wonderful and were easy to deal with. Thank you for helping me... with my problem.read more
Matthew Stopczynski
Matthew Stopczynski
23:42 16 Feb 22
I would highly recommend Kahn & Associates to anyone seeking legal representation for lemon cars. They provide service that... is fair, honest and will keep your best interest. I would not hesitate to seek representation from Then again.read more
Ashley Hammons
Ashley Hammons
13:58 13 Feb 22
To simply say thank you is an understatement! From beginning to the end, the team was beyond helpful and professional!!!! 5... stars are truly not enough!! I cannot thank Kahn & Associates enough for advocating on my behalf!!!read more
Danielle Murray
Danielle Murray
18:00 12 Feb 22
This was a great time with them representing me .I talked to other firms but they weren't able to help me but Khan and... Associates did.I received close to 4 times the amount I thought I would get.Once again they are Definitely the people you want representing you in your case when facing issues with your vehicle that was caused by Dealerships that sold you an unsafe vehicle.Im just glad that they were there when I needed them.Just talk to them before you make your decision on which Firm you want representing you.You will be glad you didread more
George Willoughby
George Willoughby
21:44 10 Feb 22
My experience with Kahn & associates was a great experience I never wondered how my case was going they kept me informed... with emails and phone calls throughout the whole process of my case . I feel that this firm went above and beyond to achieve success so thank you Kahn & Associates I would definitely call on them again.read more
Ed Sizemore
Ed Sizemore
12:49 10 Feb 22
Kahn & Associated, help use with a lemon law issue on our vehicle. Did a fast, efficient, job.We are very happy with the... results, in a very timely manner.There are very informative, fast too respone too my questions.read more
Lisa Walters
Lisa Walters
19:51 05 Feb 22
Service was excellent and he settled the suit extremely quickly. I would give him 10 Stars if I could
Dean Caley
Dean Caley
15:57 02 Feb 22
Had a junk new truck and had multiple issues. Kahn and associates worked and got me more money than I was expecting. Pretty... easy process and I would highly recommend them to anyoneread more
Ryan Hohn
Ryan Hohn
16:40 01 Feb 22
Did what they said. Responded quick to any questions
Todd Arthur
Todd Arthur
17:03 28 Jan 22
When I first Hurd of this great guys throw a friend of mines i gave them a call explain the situation and right away not... later Right away they started working on my case and got to the point that I got a check in a few months so yes I recommend this guy's to any body so if you are driven a lemon that was sold to you call this guy's they will get what you deserve..thanks guysread more
Raphy Vargas
Raphy Vargas
15:43 08 Jan 22
I was very reluctant to even speak with anyone about the numerous problems I was having with my vehicle. Then I was told to... contact Kahn and Associates and at least see how they felt about the problems I was experiencing. They never made any promises that they could t back up. I was very pleased with the fact that everyone involved in my case kept me apprised of what was happening. I highly recommend that anyone experiencing problems with their vehicle like I did contact Kahn and Associates.read more
David Van Buren
David Van Buren
19:12 05 Jan 22
They were very fast very fast to serve, very curtious, and I would highly recamand them to anybody that needs help. I'm... very happy with them. Thank Youread more
Andrew Kason
Andrew Kason
19:54 27 Dec 21
Courteous to my questions in discovering their legitimacy. Very responsive and informative to my needs and keeping me up to... date as to the process.read more
Todd Hayes
Todd Hayes
16:11 26 Dec 21
Kahn and Associates were wonderful to work with. They were always available to answer questions and guide me as I went... through a lemon law case. They secured a settlement for me that was more than I expected and gave guidance on how to proceed with getting rid of my vehicle. Great firm and extremely professional.read more
Trish Barnes
Trish Barnes
20:18 25 Dec 21
I had a great experience with this company! They were SUPER responsive and took my case seriously. I appreciate the time... they invested and got a settlement for me. It's a relief knowing my case was resolved with very little effort on my part. I HIGHLY recommend using Kahn & Associates for any Lemon Law case.read more
Sara Grim
Sara Grim
15:34 22 Dec 21
Everyone was very helpful and walked me the process of "the lemon law". I would highly recommend this law office.
Lisa Rivera
Lisa Rivera
20:54 13 Dec 21
I am happy that we solve this problem.
Clinton Hughley
Clinton Hughley
20:24 08 Dec 21
I had a great experience with Kahn & Associates. They helped me gain leverage to get my new car fixed and got a settlement... as well!read more
Michael Hardy
Michael Hardy
17:05 28 Nov 21
I purchased a new car and had 3 repairs for the same issue. My Dad said he looked into Kahn & Associates and said I should... contact them and see what my options are. That was about 4 months ago, and my case is already settled with a cash settlement. The timeline was so quick, and their professionalism was outstanding. Truthfully I looked at the Google reviews before I called them, and it convinced me to do so. I hope this review resonates with someone who feels they received a lemon. Thank you again, Kahn & Associates.read more
Megan Shanor
Megan Shanor
09:19 19 Nov 21
My husband I and were very pleased with the services of Kahn & Associates, LLC. Thank you for all your help!
Connie Hakes
Connie Hakes
21:36 05 Nov 21
This experience has been very positive. I was informed very often and responded in a timely manner!
Brittany Elston
Brittany Elston
21:03 28 Oct 21
I had the best experience with Kahn & associates they made a very stressful experience great between my new car being in the... shop numerous times and the dealership not doing anything just saying they couldn’t find the issue to my car problems I knew I would have to go over them I went to gm with my issues and they were also no help for my issues saying they couldn’t find the issues Kahn and associates got me a settlement for my issues fast and very easy hopefully I never need then again but I would definitely not hesitate to contact them and refer themread more
Krystal Northrop
Krystal Northrop
22:34 18 Oct 21
My interactions with Kahn and Associates was always timely and professional. I would like to say thank you to Attorney Bo... Jeffries for his hard work and persistence in getting me my desired settlement! And I’d also like to thank Victoria Eck for always being readily available to answer all of my questions!If you are looking for a law firm that’s honest and hard working FOR YOU, I highly recommend Kahn and Associates!! 😊read more
Kelly Mills
Kelly Mills
16:37 15 Oct 21
Well I can't say a Enough about how good this law firm is. Because they are number one in my book .And Miss Victoria is... top notch She always talked to me so nice and was always very helpful to me anytime I called never was rude I can't say enough good things about Miss Victoria she was so nice to me on the phone And that means a lot when you're going through troubles with dealerships like we were So I would just like to say thank you to all the people that work for Kahn& associates you guys are top notch and the best law firm out there.read more
Don Fillinger
Don Fillinger
18:55 05 Oct 21
Had a great experience with Kahn & associates. Would definitely use them again if needed. They worked very fast to help me... out.read more
Deana Orr
Deana Orr
02:27 04 Oct 21
They worked very hard my law suit and helped to get me a settlement on my car.
Janet G. Sims
Janet G. Sims
21:11 25 Sep 21
I have been fighting for years to get ssi and finally mr Jeffries won my case thankyou to all that have worked on my case... and the awesome firm YALL have been so supportive. And mr Jeffries you are the greatest thank you so much for your compassion and blessings to help me through this rough time thank you Kahn & Associates 💗💖read more
Taj Lawson
Taj Lawson
02:31 24 Sep 21
Kahn, Associates & Staffing have been the most kind, caring and professionals in dealing with my case. The communication was... professional. Attorney Bo Jeffries is the ABSOLUTE BEST. Thank you Kahn & Associates for taking my case and WINNING. VERY HAPPY CLIENT!!!!read more
Jennifer Saunier
Jennifer Saunier
00:04 23 Sep 21
I highly recommend Kahn & Associates, LLC. for resolving vehicle lemon law disputes. Their attention to detail in a timely... and professional manner resulted in a very satisfactory settlement for me. I had no doubt they were working in my best interests for my situation. Their efforts are greatly appreciated!read more
Herb Couchman
Herb Couchman
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
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
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
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
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
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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