> Just file a CFPB complaint: https://www.consumerfinance.gov https://www.consumerfinance.gov "Just <do x>" is considered facile and sometimes rude, if not har

> Just file a CFPB complaint: https://www.consumerfinance.gov https://www.consumerfinance.gov "Just <do x>" is considered facile and sometimes rude, if not harmful; it implies that things are easier and/or more effective than they actually are. (The CFPB does not represent you personally, and is not obligated to act on your behalf, unlike an attorney.) > Hiring an attorney is a good way to not have any money since you used it to pay the attorney It depends on how much money is on the line. Many small-claims courts don't even let you have an attorney, and the filing fees are small and the effort to file is minimal. On the other hand, if there's a lot of money at stake, having an attorney can pay off. And there's always somewhere in between: having an attorney send a demand letter can sometimes yield good results, without necessarily breaking the bank. Getting an attorney involved doesn't necessarily imply that you're going all the way to trial and judgment. > And you have to find one You also sometimes have to find a plumber when a pipe springs a leak... Life isn't perfect, and that's why these people exist.