Protecting Consumers from Fraud & Unfair Practices

At The Law Office of Monica Hartsock, we are committed to fighting for consumers who have been misled, harassed, or financially harmed by corporations. Whether you’re dealing with credit reporting errors, debt collection harassment, auto fraud, or mortgage scams, we take legal action to hold corporations and financial institutions accountable.

We understand how overwhelming these situations can be, and we are here to protect your rights and help you seek justice. Below are the key areas where we advocate for consumers:

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Financial Elder Abuse

Financial scams targeting those over 65 are on the rise, and cognitive decline can make seniors more vulnerable. If you or a loved one has been the victim of financial fraud or unauthorized transactions, we are here to help.

  • Unauthorized Electronic Transfers
    ‍    If money was withdrawn from your bank account without your consent and your bank failed to correct it after being notified, federal law offers protections.
  • Fraudulent Credit Draws
    ‍    If scammers accessed your line of credit and the financial institution is demanding repayment, we can fight for your rights.
  • Identity Theft
    ‍    If someone is using your identity or finances without permission, we can take action to protect you.
  • Unlawful Taking of Property
    ‍    In California, financial elder abuse laws cover any wrongful taking of property from someone over 65 when the perpetrator knew, or should have known, it would cause harm. We have successfully handled cases involving wrongful evictions, fraudulent auto transactions, and bank fraud scams.
Lawyer writing legal documentation.
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Fair Credit Reporting

Errors on your credit report can damage your financial future. We fight against inaccurate reporting and unfair credit practices, including:

  • Credit Repair Scams
    Challenging fraudulent services that promise credit fixes but fail to deliver.
  • Identity Theft
    Assisting in disputes and ensuring stolen data does not impact your credit history.
  • Unauthorized Credit Pulls
    Holding companies accountable for pulling your credit without permission.
  • Erroneous Reporting
    Correcting false information that lowers your credit score.
  • Old Information
    ‍    Ensuring outdated negative marks are removed from your report.
  • Inaccurate Background Checks
    ‍    Protecting consumers from job and rental denials due to false background reports.
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Fair Debt Collection

Debt collectors must follow the law—but many don’t. We fight back against abusive and unlawful collection practices, including:

  • Collection Lawsuit Defense
    Defending consumers against wrongful debt collection lawsuits.
  • Identity Theft
    Stopping collection attempts on fraudulent accounts.
  • Harassment & Abuse
    Putting an end to threatening calls, letters, and tactics.
  • Debt Already Paid
    Stopping collectors from pursuing debts that have been resolved.
  • Calls for Settled Payments
    Fighting back when collectors harass you over debts that were already settled.
  • Collection of Bankruptcy (BK) Discharged Debt
    Preventing collection of debts that were legally discharged in bankruptcy.
  • Student Loan Collection Defense
    Challenging unfair practices in student loan debt collection.
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Auto Fraud

Car dealerships often use deceptive tactics to overcharge and mislead consumers. We hold them accountable for:

  • Undisclosed Damage, Repairs & Modifications
    Selling vehicles with hidden damage or alterations.
  • Bait & Switch Tactics
    Advertising one deal but forcing consumers into another.
  • Improperly "Certified" Vehicles
    Misrepresenting vehicle history and condition.
  • Failure to Provide Contracts in the Consumer’s Language
    Ensuring compliance with language accessibility laws.
  • Overcharging Beyond Advertised Price
    Preventing dealers from adding hidden markups.
  • Taking Advantage of Elderly or Disabled Buyers
    Fighting unfair sales practices that exploit vulnerable consumers.

Take Action Today

If you've been misled by a dealership, harassed by debt collectors, or suffered due to financial fraud, we can help. Contact The Law Office of Monica Hartsock for a free consultation and let us fight for your consumer rights.

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