Orange County

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Consumer Rights

Consumer protection laws ensure fair transactions between consumers and businesses, and are here to protect you. 

If you are in debt, know what you can and cannot do under the Fair Debt Collection Act.  Prevent damage to your credit score, financial health, and peace of mind.  Learn about your rights, identity theft, and potential scams.

Topics

Mortgage Help Resource Center

There are many options available to help you make your mortgage payments more affordable or to avoid foreclosure. Remember that neither Freddie Mac nor your bank wants your home – we want to work with you and keep you in your home.

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Let FHA Loans Help You

FHA loans have been helping people become homeowners since 1934. How do we do it? The Federal Housing Administration (FHA) - which is part of HUD - insures the loan, so your lender can offer you a better deal.

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Public Law Center on Bankruptcy

PLC provides assistance to debtors filing for Chapter 7 bankruptcy relief. We will assist clients filing on their own (pro se), through clinics and consultation with staff attorneys. We also refer cases to pro bono attorneys who will represent Chapter 7 debtors for free from the beginning to the end of the case. In collaboration with the Orange County Bar Association, PLC coordinates a clinic for Chapter 7 debtors who have already filed their bankruptcy and have run into roadblocks during the course of their case.

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Consumer Information from the Federal Trade Commission

Money Matters! Do you teach people about everyday financial issues? Consumer information from the FTCis free and in the public domain. That means you can print it, copy it, post it, or link to it freely – and for free.

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Consumer Financial Protection Bureau

Do you have information about a company that you think has violated federal consumer financial laws? Are you a current or former employee of such a company, an industry insider who knows about such a company, or even a competitor being unfairly undercut by such a company? If so, the CFPB wants to hear from you. Tipsters and whistleblowers are encouraged to send information about what they know to whistleblower@cfpb.gov.

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