Category
Consumer Law
9 posts in this category, newest first.
Identity Theft Legal Remedies: FTC IdentityTheft.gov, the Police Report, and the Credit Freeze Step
Identity theft has a federal recovery framework most people never use. This guide walks through the IdentityTheft.gov report, when to file a police report, and how a credit freeze actually stops new accounts from opening.
How to Dispute a Credit Report Under the FCRA: The Dispute Letter, the 30-Day Clock, and the Reinvestigation
The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate information and forces a 30-day reinvestigation. This post walks through the dispute letter, the clock, and what counts as a corrected report.
How to Respond to a Debt Collection Lawsuit: The Answer, the Deadline, and the Defenses That Matter
Most debt collection lawsuits end in default judgment because the defendant did nothing. This post walks through filing the answer, the short deadline, and the affirmative defenses that actually move the case.
Wage Garnishment Laws Explained: Federal CCPA Caps and the Typical State Overlay in 2026
The Consumer Credit Protection Act caps how much a creditor can take from a paycheck, but state law often takes less. This post explains the federal floor, the common state overlay, and the protections that matter most when a garnishment lands.
The EasySuit Demand Letter Generator: pre-litigation drafting that uses the right legal posture
The EasySuit Demand Letter Generator drafts a pre-litigation demand letter that uses the right legal posture for the dispute. It picks the cause of action, applies the jurisdiction's notice rules, and gates the export behind an attorney sign-off path on safety-critical postures.
AI Legal Q&A on LawSensai: how the plain-English answer engine reads your situation
LawSensai's AI Legal Q&A is a plain-English answer engine that takes a typed question, reads the situation it describes, and returns a structured answer with sources and safety flags. This post explains how the engine reads your input and what it will and will not do.
Wage Garnishment in 2026: What Creditors Can Legally Take From Your Paycheck
Most consumer creditors can take at most 25% of your disposable earnings, or the amount your weekly pay exceeds 30 times the federal minimum wage, whichever is less, under federal law. Child support, taxes, and student loans follow different rules with higher ceilings. Here is what each creditor can take and where your protections are.
How EasySuit Reads a Lawsuit and Drafts a Defense in Under Ten Minutes
EasySuit ingests the complaint and summons, identifies the claim type and likely defenses, and produces a draft Answer with the right captions, deadlines, and affirmative defenses for the state where the suit was filed. Here is what each step actually does and why the timing matters.
Sued for a Credit-Card Debt? The Defense Most People Never File
About 70% of consumer debt-collection lawsuits end in a default judgment because the defendant never filed an answer. The cases that get an Answer look completely different. Most credit-card lawsuits are filed by debt buyers who do not have the documents they would need to win at trial: chain-of-title, the original cardholder agreement, a specific bill of sale. Here is the defense most people never file, in five steps.