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We Can Help

       Rose Consumer Law is a top consumer defense law firm.  We have been defending consumers in debt collection cases since 2007 and getting favorable results.

       We know the collectors and their attorneys. This enables us to protect you from their aggressive collection tactics and keep you out of court.

       We also settle consumer debt before a lawsuit is filed and help consumers who have judgments against them. 

       In lawsuits brought by Debt Buyers - Midland, Portfolio Recovery Associates, LVNV, CACH and others - we have had success obtaining dismissals so that our client pays nothing or settling for a significant discount just before trial.

      If you have questions about your case, call us at

(877) 320-2380

       The consultation is free with no obligation.

      You can also leave your contact information in the form to the right and we'll respond promptly.

     Keep in mind if you have already been served with a Summons and Complaint, you have a limited time to respond. If you do nothing, a judgment by default will be entered against you. Once a default judgment is entered, your wages can be garnished, your bank account levied and a lien can be filed against your property.  You also lose substantial negotiating leverage - so you must act promptly

     The good news is that there are number of defense strategies ranging from early settlement to calculated delay. Delay often produces the larger discount. 

     Based on our knowledge of debt collectors and their attorneys and of your particular needs, we can create an effective strategy to put this whole thing behind you.


     Finally, consider this rule of thumb: Debt collection attorneys are

swamped. They have too many cases. They don't want to try your case against an experienced debt defense attorney they know and respect. This means that as trial approaches, better settlements can be expected. 

      So, call us and let us know your concerns. 

(877) 320-2380

      We'd be pleased to provide some guidance.

Yes, I'd Like a FREE

I understand the discussion is FREE; the information I provide is confidential; and that

I am under no obligation.


The Rose Consumer Law Firm is the one of the finest law firms that I have ever encountered. Attorney William Rose is extremely knowledgeable, he is responsive to urgent matters, and he goes above and beyond to help people resolve their problems successfully.

                           - James M., Orange 

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