Regulators
FTC (unfair practices), CFPB (finance contracts), CPSC (dangerous products), NHTSA (vehicle safety), state consumer offices, CSLB/BAR for services.
Small Claims
Designed for quick, low-cost resolutions. California allows up to $12,500 for individuals with streamlined proof rules.
Holder Rule & Finance Companies
If your contract includes the Holder Rule notice, you can assert seller-related claims against the finance company up to amounts paid.
Lemon & Special Statutes
Song-Beverly (CA), state lemon laws, CLRA or UDAP statutes add damages/fees when repairs fail or services are misrepresented.