Consumer Law Office of
Robert Stempler, APC

Providing Legal Counsel for
Consumers in
California’s Courts


• Collection Lawsuits
• Credit Card Debt
• Medical Collection
• Student Loan Lawsuit
Serving California Consumers
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.
Any client testimonial or other result portrayed on this website was dependent on the facts of that case. Results will differ if based on different facts.


Consumer Law Offices of Robert Stempler, a Professional Law Corporation (the Firm), and its principal, Robert Stempler, are authorized by the State Bar of California to offer legal consultations and services only on cases that may be based in California or based on California law.

The materials on this Web site are copyrighted by the Firm and available on the World Wide Web for educational purposes only. Thus, written consent of the Firms principal is required for commercial use or distribution. Though the views expressed are believed to be accurate for California Superior and U.S. District Courts, no materials in this Web site should be construed and are not offered as legal service or professional advice. Certainly, none of the materials address the facts or evidence in any visitors particular case. Visitors are urged to seek legal advice from competent legal counselors within their respective state of residence, though the Firm has sometimes represented out-of-state consumers in cases against debt collectors having their place of business in California.

Persons who submit e-mail to the Firm (including, but not limited to, use of the Contact form and the e-Case Review), by doing so, indicate their having read fully and accepted without qualification this Site Disclaimer and the Firms Privacy Policy. Unless a written fee agreement is executed by the Firms principal and the client, no person may inform others that the Firm or Mr. Stempler represents them or will represent them in any matter. If anyone lacking a current, written fee agreement signed by the Firms principal, misrepresents or implies to third parties the existence of a present attorney-client relationship, the Firm will take all steps necessary to effectively correct any mistaken beliefs or misunderstandings about the Firms status with respect to such person(s).

When the Firm responds to an e-mail received, the author attempts to understand the limited facts presented and offer suggestions and/or thoughts based on the implicated laws. Such responses are limited in usefulness and tentative, as insufficient information is typical and the facts presented contain only one side of a case that may have several possible views and interpretations of the facts and evidence. Such responses are provided for educational purposes only and cannot replace a complete analysis of the facts and review of available evidence.

The Firm does not accept all cases presented or clients with whom an actual or potential conflict exists. In numerous instances, there may appear to be insufficient evidence for the Firm to consider representation. The Firm may reconsider a matter, however, if further evidence or facts develop at a later time.

Some of the views expressed on this Web site relate to debt collection lawsuits. Refusal to settle a lawsuit based on a contract, naturally, entails a number of risks and ramifications. For example, a creditor may provide derogatory information to one or more credit reporting agencies, thereby damaging the credit worthiness of such consumer. Defending such lawsuits is costly and the party enforcing a contract often seeks attorneys fees and costs against the party in default, which the court may award, under certain circumstances. Accordingly, competent legal counsel should be consulted before deciding not to settle a lawsuits based on a contract.

Almost all laws (a notable exception is for the crime of murder and repayment obligations on many student loans) contain a statute of limitations period and some consumer statutes contain other significant requirements. A statute of limitations may have intricate formulas as to when the limitations period begins, ends, and/or tolls. Unless and until represented under a written fee agreement, the Firm is not responsible for compliance with any requirements or deadlines, including, but not limited to, any statute of limitations period. If you believe that you have been harassed by a debt collector in connection with a consumer debt, generally speaking a lawsuit must be filed in a court of law within one year (365 days) from the date of occurrence to claim damages under the Fair Debt Collection Practices Acts (federal and California). There are some exceptions that may lengthen this period, but that is the general rule for such matters. Furthermore, the sooner any case is filed, the greater detail that witnesses are likely to remember and more records will be available.

A testimonial in this Web site reflects part of an opinion from a former client and is not intended to represent all the views of such client, nor is it intended to generalize the views of all or even most clients. Future results may vary, and are dependent on the particular individuals facts, evidence, and circumstances.