Our consumer rights practice consists of various federal laws to help people with financial issues. For example, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, and the Fair Credit Reporting Act. Those three federal statutes protect consumers and under those statutes, there’s what’s called a fee shift provision. What that means is our fees are shifted to the other side so our clients don’t pay our fees and costs. Under those federal statutes, our clients are entitled to money damages and our fees and costs are paid by the defendant, and therefore our clients never have to pay us for our time.