For Consumers

The National Association of Consumer Advocates (NACA) is a nationwide membership organization of more than 1500 attorneys who represent hundreds of thousands of consumers victimized by fraudulent, abusive, and predatory business practices. NACA members are committed to advancing the cause of just treatment for and ethical representation of consumers.

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Know Your Rights

Don’t be taken advantage of by lenders, dealers, debt collectors, or other small and large businesses. Know your rights so that you are treated fairly and so that you can join us in building a fair and just consumer marketplace. Use the navigational menu below to discover what your rights are in certain situations.

If you need legal help

To find an attorney near you, use our location based search within our Find an Attorney Directory.

Join the Fight for your Rights

Join NACA in fighting for better protections for consumers—our families, friends, and neighbors—in the marketplace. Together, our voices will be heard.

Find an Attorney

NACA member attorneys are committed to advancing the cause of just treatment for and ethical representation of consumers and will not, so long as they are a NACA member, perform services for any business or commercial client on a matter where that client’s interests are adverse to the interests of consumers.

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Issue Areas

As an organization devoted to consumer justice, we are committed to educating consumers like you about their rights and helping them achieve justice for themselves and for their communities. Look around our website to learn about some of your basic rights, to find some help, and to join with us in our effort to build a fair and just consumer marketplace.

Arbitration

Fine print corporate contracts often restrict customers’ right to go to court.

Auto Issues

Know your rights when car buying goes wrong.

Bankruptcy

Understanding the legal process for getting relief when there is an inability to repay outstanding debt.

Credit Reporting

Ensuring consumers’ credit and personal identifying information is protected, accurate, and available to them.

Debt Collection

Protecting people from illegal harassment by debt collectors.

Identity Theft

Fighting back when a bad actor wrongfully uses someone else’s personal or financial information.

Military Consumers

U.S. military personnel are prime targets of consumer scams.

Mortgage, Real Estate, & Housing

Exploring options for consumers at risk of losing their homes.

Predatory Lending

Unfair, deceptive, or abusive loan terms that can trap borrowers in a cycle of debt.

Robocalls & Telemarketing

Combatting unwanted, autodialed, prerecorded calls and texts.

Student Loans

As student loan debt skyrockets, borrowers seek relief.

Share Your Story

We realize that your experience has likely been very difficult and you may not want to retell your story, but by sharing your story you will be helping us drive national and local debates as well as discussions with policymakers. You have the ability to potentially make a difference so that other consumers don't have to endure what you've gone through.

Debt Defense Videos

We have recently created a series of debt defense videos that give advice on how to handle interactions with debt collectors and other debt issues.

Truth in Lending Calculator

The Consumer Financial Protection Bureau has a calculator to compare real mortgage costs beyond the interest rate, which can be deceiving.