Specializing in Consumer and Commercial collections, consumer compliance training and consultation, Foell & Elder has been one of California’s leading consumer finance law firms for over 45 years.  Besides collections and compliance training, we possess extensive experience in trial representation, both as plaintiff and creditor defense.

For almost twenty-five (25) years, we have worked with the Consumer Finance Industry providing advice to our clients concerning their federal and state consumer obligations including, but not limited to, protecting numerous trade and finance company seminars involving a myriad of federal and state consumer compliance obligations.  In addition, we have created numerous forms and notices required by state and federal consumer law.

We have conducted thousands of trials both by Court and Jury involving not only commercial and consumer collections but also creditor defense including FDCPA, CLRA, UCL and Song-Beverly Act and other statutory compliance laws with an extraordinarily high percentage of success.  We are extremely experienced in negotiating settlements prior to extensive and Trial when appropriate.

Foell & Elder exclusively represents banks, credit union, and independent finance companies, which finance specialize in purchasing vehicle sale contracts from licensed used car dealers. We do not and have never represented debt buyers as defined by Civil Code § 1788.50(a)(1) as a person or entity that acquires a charged-off consumer debt incidental to the purchase of a portfolio predominantly consisting of consumer debt that has previously been charged-off. We are not a collection agency, and all our collection efforts are through the judicial system with the assistance of state Marshals and Sheriffs through garnishment or settlements reached with the debtors.