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Phone: 804-282-7900

Co-Author of Virginia's Lemon Law

The Consumer Law Group, P.C. has been fighting for 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.

The Consumer Law Group, P.C. is NOT a national "mill" law firm.  A "mill" is a firm that spends thousands of dollars to get a high ranking on the first page of results of your computer search, but whose concentration is on the quantity of clients it can get and then get a "quick" settlement.   Your primary contact is a secretary or paralegal, rather than the attorney working hard to get the best result for the client, 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 achieve the best results for our client. 

If you have a consumer issue, click on the tab involving the area where you need help, fill out the questionnaire, and we will be in touch with you shortly.

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.  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

Lemon car, SUV, truck, RV problems in Virginia? Contact The Consumer Law Group, P.C for an initial consultation regarding your lemon law claim.

Auto Fraud

Do you believe you've been a victim of auto fraud? Contact The Consumer Law Group,P.C.  whose attorney John Cole Gayle, Jr.co- wrote Virginia's Lemon Laws, for a consultation regarding your auto fraud or lemon law claim.

Debt Harrassment

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.

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!


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

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