Direct Consumer Action

Get in contact with the appropriate Legal & Regulatory Authorities regarding your issues as soon as possible, as your likelihood of having to wait for justice is very high.

File a complaint with the
Federal Trade Commission (FTC):

Click Here to File an FTC Complaint

Approximate time to complete: 20-45 minutes

Or, call the FTC Fraud Hotline:
877-382-4357

File a complaint with the
Attorney General’s Office in your State

Approximate time to complete: 20-45 minutes

FLOnline complaintAG home866-966-7226
GAOnline complaintAG home800-869-1123
IDOnline complaintAG home208-334-2400
ILOnline complaintAG home800-243-0618
INOnline complaintAG home800-382-5516
KSOnline complaintAG home800-432-2310
KYOnline complaintAG home888-432-9257
MAOnline complaintAG home617-727-8400
MIOnline complaintAG home877-765-8388
MOOnline complaintAG home800-392-8222
NJOnline complaintAG home800-242-5846
NYOnline complaintAG home518-776-2307
NCOnline complaintAG home877-566-7226
OHOnline complaintAG home800-282-0515
OKEmail complaintAG home405-521-2029
PAOnline complaintAG home800-441-2555
SCOnline complaintAG home800-922-1594
TNOnline complaintAG home800-342-8385
TXOnline complaintAG home800-621-0508
VAOnline complaintAG home800-552-9963
WVOnline complaintAG home800-368-8808

Do you have a loan related to this situation? If so, attempt to have your lender lower or eliminate it by invoking the FTC’s Holder Rule

Approximate time to complete: 4-8 hours
Prerequisite: Legal Settlement with Company

There’s an extremely important rule from the Federal Trade Commission (FTC) to familiarize yourself with, and it’s called The Holder In Due Course Rule (or The Holder Rule, for short). The basic gist of The Holder Rule is as follows:

If a seller sells fraudulent or faulty goods on a financing agreement, the lending company is equally liable for any claims or damages.

What this can mean for many victims is that they can immediately stop payment on any loans associated with these fraudulent or faulty products, AND demand a refund of ALL money previously paid towards the loan.

HOWEVER (and this is important!): in order to invoke The Holder Rule, you must first obtain a legal settlement or court order against the company that has victimized you. This is because the settlement agreement or court order acts as legal proof that the goods sold to you were fraudulent or faulty.

Therefore, AFTER YOU SUE OR SETTLE, work with your lawyer to serve your lender with an official notice that you are stopping payment on your loan pursuant to The Holder Act and officially requesting a refund of all amounts previously paid, then follow your lawyer’s advice as to when to actually stop payments.

Justice not moving swiftly enough?
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