NOTICE: Information printed here is general in nature, and is not intended as a substitute for legal advice or a legal opinion on a specific individual fact scenario. Individual rights, remedies and obligations vary; laws frequently change. Your specific facts should be reviewed by this office, or another California attorney emphasizing auto dealer fraud, mortgage loan fraud, lemon law, fair debt collection, credit protection, and other consumer fraud and consumer law issues, before taking any action. Site content proved by Michael R. Quirk