Millions of Americans are overcharged, misled, and trapped by dealerships and lenders every year. The law is on your side. Learn how to use it.
Select your situation and get a plain-language breakdown of the exact federal laws that protect you.
You bought a new or used vehicle that has repeated mechanical defects the dealer cannot fix. Federal and state law may require a full buyback.
Learn Your Rights →A dealer ran your credit with 10 lenders without your consent. This is an FCRA violation. You may be entitled to statutory damages per pull.
Learn Your Rights →Your financing was changed after you signed, or your rate was marked up without disclosure. This may violate the Dodd-Frank Act's UDAAP provisions.
Learn Your Rights →A lender or collection agent called you after you submitted a written dispute. Under the FDCPA, this may entitle you to $1,000 per violation.
Learn Your Rights →You invoked the FTC Holder in Due Course Rule (16 CFR 433) and the bank ignored it. This allows you to cancel the loan contract entirely.
Learn Your Rights →The dealer is hiding behind a forced arbitration clause. Learn how to bypass it and file directly with the CFPB to trigger a federal investigation.
Learn Your Rights →State-specific auto fraud laws and local filing procedures — all 50 states covered.
We give you the exact legal framework professional advocates use — without the $500/hour attorney fees.
Select your situation from our issue guide. We map it to the exact federal statute that applies to your case.
Download your state-specific action plan including the correct agency addresses, filing deadlines, and required language.
Submit directly to the CFPB, your State AG, and the OCC using our pre-written templates. No attorney required.
Documented federal violations entitle you to statutory damages. Once your complaint is in the system, they have to respond.
Enter your email and we will send you the exact federal statutes that apply to your situation — no sign-up required.
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InYourLegalRight.com provides consumer education and information only. We are not a law firm and do not provide legal advice. Nothing on this site creates an attorney-client relationship. The information on this site is for general informational purposes only and is based on publicly available federal and state statutes. Consult a licensed attorney in your jurisdiction for advice specific to your situation.