Sarah Kim
Consumer & Debt Rights Researcher · GuacamoleBlog
Sarah researches and writes about consumer protection law, debt collection defense, credit report rights, insurance claim disputes, and lemon laws across all 50 states. Her articles focus on helping consumers push back against companies that exploit regulatory complexity — chargebacks, FDCPA violations, FCRA disputes, and warranty enforcement.
Every article cites the applicable federal statute, FTC regulation, CFPB guidance, or state consumer protection law it's based on. Verified against primary sources — no exceptions.
Focus Area
Consumer & Debt Rights
Sources
Primary statutes only
Coverage
All 50 states
Every article is verified against primary sources — federal statutes, CFPB and FTC publications, and official state agency guidance. See our editorial guidelines for the full process.
Articles by Sarah Kim (95)
-
New Jersey Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your New Jersey insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
New Hampshire Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your New Hampshire insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Nevada Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Nevada insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Nebraska Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Nebraska insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Montana Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Montana insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Missouri Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Missouri insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Mississippi Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Mississippi insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Minnesota Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Minnesota insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Michigan Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Michigan insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Massachusetts Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Massachusetts insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Maryland Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Maryland insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Maine Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Maine insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Consumer Rights in the US: The Complete Protection Guide (2026)
Updated:Know your rights as a consumer — debt collection, chargebacks, warranties, scams, credit reports, and how to fight back. Covers FDCPA, FCRA, FTC Act, Magnuson-Moss, and state lemon laws.
-
Credit and Debt Rights: What Collectors and Credit Bureaus Can't Do to You
Updated:Your rights under the FDCPA and FCRA — how to stop debt collector harassment, dispute credit report errors, and understand the statute of limitations on debt by state.
-
Insurance Rights: What to Do When Your Claim Is Denied
Updated:Know your rights when an insurance company denies, delays, or underpays your claim. A practical guide to auto, home, health, and life insurance disputes in the US.
-
Lemon Law: What to Do If You Bought a Defective Car
Updated:Understand lemon law protections, how to file a claim, and what you're entitled to if you bought a defective vehicle.
-
Louisiana Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Louisiana insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Kentucky Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Kentucky insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Kansas Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Kansas insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Iowa Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Iowa insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Indiana Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Indiana insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Illinois Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Illinois insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Lemon Law by State 2026 — All 50 States Ranked by Strength of Protection
Which states have the strongest lemon law protections? We ranked all 50 states on coverage period, repair attempt thresholds, used car coverage, arbitration requirements, and damage multipliers.
-
Idaho Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Idaho insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Hawaii Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Hawaii insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Georgia Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Georgia insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Florida Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Florida insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Delaware Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Delaware insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Connecticut Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Connecticut insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Colorado Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Colorado insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
California Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your California insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Arkansas Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Arkansas insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Arizona Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Arizona insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Alaska Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Alaska insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
Alabama Insurance Claim Denial Laws: Your Rights and How to Appeal (2026)
Your Alabama insurance claim was denied — here's what you can do. Learn the appeal process, bad faith laws, and how to get the payout you're owed.
-
How to File a Complaint with the FTC or CFPB (With Sample Language)
Updated:Step-by-step guide to filing a complaint with the FTC or CFPB against debt collectors, scammers, or financial companies — includes sample complaint narrative.
-
Wyoming Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Wyoming law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Wyoming.
-
Wisconsin Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Wisconsin law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Wisconsin.
-
West Virginia Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and West Virginia law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in West Virginia.
-
Washington Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Washington law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Washington.
-
Virginia Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Virginia law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Virginia.
-
Vermont Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Vermont law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Vermont.
-
Utah Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Utah law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Utah.
-
Texas Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Texas law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Texas.
-
Tennessee Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Tennessee law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Tennessee.
-
South Dakota Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and South Dakota law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in South Dakota.
-
South Carolina Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and South Carolina law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in South Carolina.
-
Rhode Island Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Rhode Island law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Rhode Island.
-
Pennsylvania Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Pennsylvania law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Pennsylvania.
-
Oregon Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Oregon law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Oregon.
-
How to File an FTC Complaint: What It Does (and Doesn't Do) for You
Learn how to file an FTC complaint, what the FTC actually does with complaints, and when to file with CFPB, state AG, or BBB instead.
-
Oklahoma Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Oklahoma law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Oklahoma.
-
How to Dispute a Credit Report Error: A Step-by-Step Guide
Learn how to dispute inaccurate credit report information with the three credit bureaus. Includes the 30-day investigation requirement.
-
Ohio Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Ohio law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Ohio.
-
How to Write a Debt Collector Cease Communication Letter (With Template)
Learn how to send a debt collector cease-and-desist letter under the FDCPA to stop harassment. Includes a sample template.
-
North Dakota Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and North Dakota law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in North Dakota.
-
North Carolina Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and North Carolina law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in North Carolina.
-
Warranty Rights: What Companies Are Required to Cover (And What They're Not)
Understand express, implied, and Magnuson-Moss warranty rights. Learn what manufacturers must cover and how to enforce warranties.
-
New York Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and New York law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in New York.
-
Credit Card Chargeback Rights: How to Dispute a Charge and Win
Learn how to file a credit card chargeback, understand your FCBA rights, and discover the 60-day dispute window for unauthorized charges.
-
New Mexico Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and New Mexico law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in New Mexico.
-
Online Purchase Scams: What to Do When Your Order Never Arrives
Understand your rights under the FTC Mail Order Rule and how to use credit card chargebacks to recover from online scams.
-
New Jersey Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and New Jersey law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in New Jersey.
-
Contractor Fraud: What to Do When a Contractor Takes Your Money and Disappears
Learn your legal options when a contractor commits fraud, including small claims court, licensing board complaints, and recovery strategies.
-
New Hampshire Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and New Hampshire law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in New Hampshire.
-
Nevada Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Nevada law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Nevada.
-
Subscription Traps: Your Legal Rights When You're Charged for Something You Didn't Sign Up For
Understand the FTC's Negative Option Rule and your right to dispute unauthorized subscription charges through chargeback.
-
Nebraska Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Nebraska law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Nebraska.
-
Fake Debt Collector Scams: How to Spot Them and What to Do
Learn to identify fake debt collector scams, understand your FDCPA rights, and discover how to protect yourself from collection fraud.
-
Montana Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Montana law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Montana.
-
Missouri Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Missouri law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Missouri.
-
Mississippi Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Mississippi law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Mississippi.
-
Minnesota Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Minnesota law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Minnesota.
-
Michigan Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Michigan law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Michigan.
-
Massachusetts Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Massachusetts law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Massachusetts.
-
Maryland Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Maryland law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Maryland.
-
Maine Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Maine law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Maine.
-
Louisiana Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Louisiana law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Louisiana.
-
Kentucky Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Kentucky law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Kentucky.
-
Kansas Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Kansas law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Kansas.
-
Iowa Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Iowa law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Iowa.
-
Indiana Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Indiana law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Indiana.
-
Illinois Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Illinois law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Illinois.
-
Idaho Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Idaho law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Idaho.
-
Hawaii Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Hawaii law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Hawaii.
-
Georgia Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Georgia law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Georgia.
-
Florida Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Florida law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Florida.
-
Delaware Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Delaware law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Delaware.
-
Connecticut Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Connecticut law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Connecticut.
-
Colorado Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Colorado law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Colorado.
-
California Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and California law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in California.
-
Arkansas Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Arkansas law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Arkansas.
-
Arizona Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Arizona law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Arizona.
-
Alaska Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Alaska law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Alaska.
-
Alabama Debt Collection Laws: Know Your Rights Against Collectors (2026)
Federal and Alabama law strictly limit what debt collectors can do. Learn your rights, how to stop harassment, dispute a debt, and what damages you can recover in Alabama.