Practice Areas
How We Fight for You
Mengedoth Law PLLC brings decades of consumer protection experience to every case — from credit report errors to abusive debt collection tactics.
Federal Law Gives You Rights. We Help You Enforce Them.
Consumer protection law is a complex web of federal and state statutes — FCRA, FDCPA, TILA, RESPA, ECOA, and more. Violations by banks, debt collectors, and credit bureaus can cost you jobs, housing, and financial stability. Mengedoth Law PLLC has spent over 30 years holding these institutions accountable.
Credit Reporting Agencies
Your credit report affects nearly every major financial decision in your life — mortgage approvals, car loans, employment, and housing. When a credit reporting agency (CRA) like Equifax, Experian, or TransUnion publishes inaccurate information and fails to correct it after a dispute, they may be violating the Fair Credit Reporting Act (FCRA). Mengedoth Law PLLC has extensive experience litigating FCRA claims against the nation's largest credit bureaus.
How We Can Help
- Dispute inaccurate or outdated information on your credit report
- Hold CRAs accountable for failing to conduct a reasonable reinvestigation
- Pursue statutory damages up to $1,000 per violation plus actual damages
- Force removal of erroneous accounts, judgments, and collection entries
A client discovers a paid-off debt still showing as delinquent on all three credit bureaus, causing a mortgage denial. After disputing directly with the CRAs and receiving no correction, Mengedoth Law files suit under the FCRA — resulting in removal of the entry and a damages award covering the client's financial losses.
Think you have a Credit Reporting Agencies claim?
Contact Mengedoth Law PLLC for a confidential inquiry.
Get in TouchAbusive Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. This includes harassing phone calls, threats of legal action they cannot take, misrepresenting the amount owed, and contacting you at inconvenient times. If a debt collector has violated your rights, you may be entitled to statutory damages, actual damages, and attorney's fees.
How We Can Help
- Stop harassing or threatening phone calls immediately
- Challenge collection of debts you do not owe or that are time-barred
- Recover statutory damages of up to $1,000 per lawsuit under the FDCPA
- Pursue attorney's fees and actual damages if you prevail
A debt collector calls a client multiple times daily, threatens arrest, and demands payment on a debt discharged in bankruptcy. Mengedoth Law sends a cease-and-desist and files an FDCPA claim, recovering statutory damages plus attorney's fees on the client's behalf.
Think you have a Abusive Debt Collectors claim?
Contact Mengedoth Law PLLC for a confidential inquiry.
Get in TouchFinancial Institutions
Banks, mortgage servicers, and lenders are subject to a broad array of federal consumer protection statutes. Violations of the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), and the Home Ownership and Equity Protection Act (HOEPA) can result in significant harm to borrowers. Mengedoth Law PLLC represents consumers in disputes involving mortgage servicing errors, discriminatory lending, and improper loan disclosures.
How We Can Help
- Challenge improper mortgage servicing, escrow errors, and force-placed insurance
- Pursue claims for discriminatory lending or credit denial under ECOA
- Recover damages for TILA disclosure violations and predatory loan terms
- Address RESPA kickback violations and improper settlement charges
A mortgage servicer misapplies payments and reports the client as delinquent despite timely payments. Mengedoth Law pursues RESPA and FCRA claims simultaneously, recovering damages for the client's credit harm and forcing the servicer to correct its records and payment application practices.
Think you have a Financial Institutions claim?
Contact Mengedoth Law PLLC for a confidential inquiry.
Get in TouchUnfair & Deceptive Business Practices
Arizona's Consumer Fraud Act and federal consumer protection laws prohibit businesses from engaging in deceptive, unfair, or fraudulent practices in the sale of goods and services. This includes false advertising, bait-and-switch tactics, undisclosed fees, and misrepresentations by car dealerships, contractors, and service providers. Mengedoth Law PLLC also handles disputes involving insurance coverage denials and bad faith claims handling.
How We Can Help
- Pursue claims under the Arizona Consumer Fraud Act for deceptive trade practices
- Challenge fraudulent misrepresentations by dealerships, contractors, and businesses
- Recover treble damages and attorney's fees in qualifying fraud cases
- Litigate insurance bad faith and wrongful coverage denial claims
A car dealership rolls back an odometer and misrepresents a vehicle's accident history. Mengedoth Law pursues claims under the Arizona Consumer Fraud Act and federal odometer statutes, recovering the client's purchase price, consequential damages, and attorney's fees.
Think you have a Unfair & Deceptive Business Practices claim?
Contact Mengedoth Law PLLC for a confidential inquiry.
Get in TouchBackground Screening Companies
Background screening companies are consumer reporting agencies under the FCRA and are subject to the same accuracy and dispute obligations as credit bureaus. Inaccurate background check reports can cost you a job offer, housing application, or professional license. Common errors include criminal records belonging to someone else, expunged convictions that still appear, and outdated information. Mengedoth Law PLLC represents consumers harmed by inaccurate background reports.
How We Can Help
- Dispute inaccurate criminal, civil, or employment records on background reports
- Hold screening companies liable for failing to use reasonable procedures for accuracy
- Recover damages for lost job offers, housing denials, and reputational harm
- Require employers and landlords to follow adverse action procedures under the FCRA
A background screening company reports a felony conviction belonging to someone with a similar name, causing a client to lose a job offer. After the employer fails to follow adverse action procedures, Mengedoth Law pursues FCRA claims against both the screening company and the employer, recovering damages for lost wages and emotional distress.
Think you have a Background Screening Companies claim?
Contact Mengedoth Law PLLC for a confidential inquiry.
Get in TouchAdditional Practice Areas
Beyond consumer protection litigation, Mengedoth Law PLLC also handles Arizona Public Records and Open Meeting Law matters under FOIA, commercial real estate transactions, and insurance coverage disputes. Contact the firm to discuss whether your matter falls within our practice.
Contact Us
Not Sure If You Have a Case?
Contact Mengedoth Law PLLC for a confidential inquiry.
- Confidential inquiry — your information is protected by attorney-client privilege
- Confidential inquiry — your information is protected by attorney-client privilege
- 30+ years of consumer protection litigation experience in federal court
- Admitted in U.S. District Courts across Arizona, Colorado, and Nebraska
Prefer to call or visit?
Scottsdale, AZ 85260
Tell Us About Your Situation
Describe what happened and we'll follow up within one business day.
Submitting this form does not create an attorney-client relationship. All communications are confidential.