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Roz Lawsuit Loans offers pre-settlement legal funding to plaintiffs in California, providing cash advances against pending lawsuit settlements.
Data compiled from public sources
Roz Lawsuit Loans is a small California-licensed lawsuit funding operation run by Roz Andrews, based at 1450 University Avenue #201 in San Diego, CA 92103. The company was established to provide financial assistance to plaintiffs awaiting resolution of their legal cases. The website, hosted on Blogspot, has been active since at least January 2021 and lists 24/7 availability by phone.
The company's core offering is pre-settlement lawsuit funding — a cash advance provided to plaintiffs while their case is pending. This type of product is non-recourse in many markets, meaning repayment is typically contingent on winning or settling the case. Roz Lawsuit Loans states it is licensed to operate in California and can be reached by phone at (619) 728-6204 or via email at support@rozlawsuitloans.com around the clock.
What sets this company apart — at least on paper — is its claimed 24/7 availability and its status as a licensed California operator. The business lists multilingual capability (English and Chinese-language service implied), which may serve San Diego's diverse plaintiff population. The single point of contact is the owner, Roz Andrews, suggesting a highly personalized service model rather than a large institutional lender.
Honestly, the public-facing information available for Roz Lawsuit Loans is extremely limited. The company's web presence consists of a personal resume-style Blogspot template with no published rates, no disclosed fees, no loan ranges, no application process, no client testimonials, and no third-party accreditations. The site has had no new content since January 2021 and shows signs of dormancy. Consumers comparing lawsuit funding options would have almost no basis for evaluating this company against established pre-settlement funders without making direct phone contact. Due diligence is strongly advised before engaging.
When evaluating debt relief companies, consumers should compare settlement programs against alternatives like debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help without impacting credit scores. For those whose credit has already been damaged, credit repair services can address inaccurate negative items on reports. Personal loans for bad credit may provide funds for debt payoff at lower rates than credit cards, and credit monitoring services help track progress throughout the recovery process. Consolidating high-interest balances into a single installment loan with a fixed rate can reduce total interest paid and simplify monthly budgeting.
While repairing your credit, a secured card can add payment-history context when it reports to the bureaus. Compare deposits, fees, bureau reporting, and any no-credit-check claims directly.
This is state-level context for Debt Relief consumers in San Diego, CA. It does not confirm that Roz Lawsuit Loans or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Relevant law: California Credit Services Act of 1984 (Cal. Civ. Code § 1789.10-1789.26)
Registration: Required with California Department of Financial Protection and Innovation (DFPI)
Upfront fees: Listed as prohibited in the current CreditDoc state summary
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Roz Lawsuit Loans offers 6 services including Pre-settlement lawsuit funding (cash advance against pending case), California-licensed legal funding, 24/7 phone consultations, Email-based funding inquiries, Personal injury case funding (implied), and 1 more.
Roz Lawsuit Loans has profile signals associated with California plaintiffs in active personal injury or civil cases who need cash while awaiting settlement, Consumers who prefer direct, one-on-one contact with a small independent funder rather than a large company, Spanish- or Chinese-speaking plaintiffs in the San Diego area seeking local funding assistance.
Key strengths: Claims to hold a California state license to operate as a lawsuit funding provider; 24/7 phone availability at (619) 728-6204 for immediate inquiries; Direct owner contact (Roz Andrews) suggests personalized service rather than a large call center. Areas to consider: Website is a bare Blogspot personal resume template with no rates, terms, loan amounts, or application process disclosed; No content published since January 2021 — site appears dormant and may indicate the business is inactive.
In the Debt Relief category, comparable providers include A American Debt Consolidation, Absolute Debt Relief, Lawsuit Cash 24/7. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Roz Lawsuit Loans is a small, single-operator pre-settlement funding company serving California plaintiffs, best suited for individuals who want direct personal contact rather than a large institutional lender. The near-total absence of disclosed rates, terms, or recent activity means consumers cannot evaluate this provider without a direct phone call, and should compare offers from multiple funders before proceeding.
American Debt Consolidation offers debt management, settlement, and consolidation services for unsecured debt through counseling and negotiation rather than loans.
Profile signals: Consumers with high-interest unsecured debt (credit cards, personal loans) seeking alternatives to traditional consolidation loans, Individuals struggling with paycheck-to-paycheck living and collection calls who want to avoid bankruptcy
Absolute Debt Relief offers debt settlement and consolidation services to reduce enrolled debts across credit cards, personal loans, medical bills, and other obligations. They promise to consolidate payments and achieve debt freedom in 12-60 months.
Profile signals: Consumers with $5,000+ in unsecured debt across multiple creditors seeking consolidation, People overwhelmed by high-interest credit card debt who can afford settlements but not full repayment
Pre- and post-settlement lawsuit funding company offering cash advances up to $100,000 to accident injury claimants within 24 hours, with repayment only required if the case settles.
Profile signals: Accident injury claimants facing urgent expense context while awaiting case settlement, Injured individuals unable to work who need living expense funding during litigation
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against high-cost lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and are required to stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you may have a right to sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and has obtained a judgment.
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Chapter 13 may be more relevant than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income is generally required to be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Consolidation is generally most useful when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and has obtained a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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