Guides, letters, and toolsKnow your rights, then use them.
Step-by-step guides and sample letters you can use on your own, written by a Florida attorney. If you get stuck, or the company doesn't follow the rules, that's when to call.
Guides and tools
Start here
How consumer law works
What the law covers, when you have a case, and why there's no fee unless you win.
ReadHow to dispute a credit report error
Pull your reports, dispute the right way, and build the paper trail the law rewards.
Read the guideHow to dispute an unauthorized transaction
Regulation E deadlines, liability limits, and a notice-of-error letter.
Read the guideFlorida security deposit deadlines
Find the landlord's 15-day and 30-day deadlines and your 15 days to object.
CalculateBy problem
Find your situation
- Credit report errorsThe bureaus won't fix a mistake
- Someone else's accounts on your reportMixed credit files
- Identity theft accounts still reportingBlocks, alerts, and freezes
- Paid or discharged debt still showingPayoffs, settlements, bankruptcy
- Tenant screening and background checksWrong evictions and records
- Bank denied your fraud claimDebit, ATM, and ACH transfers
- Zelle, Cash App, and Venmo fraudAccount takeovers and scams
- Landlord kept your depositFlorida tenants
- Misled or scammed by a businessDeceptive and unfair trade practices
- Car dealer lied or hid feesDealer misrepresentations and add-ons
- Frequently asked questionsFees, timing, and process
Official resources
Where to go directly
- AnnualCreditReport.comOfficial source for free credit reports
- IdentityTheft.govFTC identity theft reports and recovery plans
- CFPB complaint portalComplaints about banks, apps, and credit bureaus
- Section 83.49, Florida StatutesThe security deposit statute itself
- The Florida Bar Lawyer Referral ServiceFor matters outside my practice
Links to outside sites are provided for convenience and are not endorsements.
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