Go to navigation Go to content
Phone: 804-282-7900

Co-Author of Virginia's Lemon Law

The Consumer Law Group, P.C. has been fighting for the rights of consumers for over ten years. We focus on helping people with problems involving the Virginia Lemon Law, auto fraud, debt harassment (Fair Debt Collections Practices Act), and debt settlement. We handle cases anywhere in Virginia.

We’re NOT a national "mill" law firm. A "mill" is a firm that concentrates on the quantity of clients it can get and then deliver miniaml effort to get a quick and easy settlement. Your primary contact is a secretary or paralegal rather than a lawyer. Wouldn’t you rather have personal contact with an attorney you know is working hard to get you the best possible result, no matter how long it takes? At The Consumer Law Group, P.C. each client who retains us gets personalized evaluation and attention from an expert attorney so we can attain the best possible outcome for your case.

If You Have a Consumer Issue, Learn More Here or Contact Us for a Free, Confidential Consultation

John Cole Gayle, Jr., the founder of the firm, has been practicing consumer law for over 30 years. He co-authored legislation in Virginia that has become known as the Lemon Law, which other states have since emulated and adopted. His practice has grown over the years and he has helped so many consumers that he has been designated as a "Super Lawyer" in the area of Consumer Law.

Virginia Lemon Law

Did you buy a lemon? Virginia law provides consumers with important rights and protections, contact our attorneys today for a free, no-obligation consultation about the merits of your potential claim.

Auto Fraud

Do you believe you've been a victim of auto fraud? Our attorneys can ehlp. Also learn our 6 tips for used car buying, to help prevent falling victim of fraud in the future.

Debt Harrassment

The Fair Debt Collection Practices Act prohibits debt collectors (not creditors) from engaging in abusive, deceptive, and unfair practices. The FDCPA does not apply to your original creditor. Learn how you can put a stop to debt harassment here.

Debt Settlement


Debt SettlementThrough the process of debt settlement, your attorney at The Consumer Law Group will negotiate with your creditors and bill collectors to lower and settle your debt for less than you owe.  You can gain peace of mind knowing you have an attorney representing you and dealing with the creditors or debt collectors rather than having to deal with them yourself.
We do not charge a fee for settling any of your debts until you have agreed to the compromise.  Although, in cases where there are a large number of creditors, where we set up a trust account for your debt payments to be deposited, there is a small monthly maintenance fee and a one time set up fee.

Debt Settlement could help you:
*Avoid bankruptcy
*Settle unsecured debt for less
*Lower your monthly payments
*STOP the never ending collection calls and letters

Types of debt you can settle:
*Major Credit Cards
*Collection Accounts
*Medical Bills
*Credit Union Credit Cards
*Unsecured Personal Lines of Credit
*Unsecured Personal Loans
*Auto Loans
*Judgments (may settle at higher percentage than other debts)

DID YOU KNOW:  If your fair debt rights have been violated by debt collectors,  you can make a debt collector pay you up to $1000.00 or more under federal fair debt laws.  We do not charge legal fees to go after violators of the Fair Debt Collection Practices Act.  Call or email us to learn more!


back to top

John Cole Gayle, Jr.
Connect with me
Consumer Law Pioneer and Co-Author of Virginia's Lemon Law

Consumer Help

Credit Report Companies

Equifax (800) 685-1111

Trans Union (800) 888-4213

Experian (800) 583-4080

CSC Credit Services (800) 759-5979

Live Chat