Loker Law, APC

What Loker Law, APC does

Loker Law, APC is a California professional corporation and consumer-protection law firm founded by Matt Loker, Esq., with a headquarters in Arroyo Grande and a secondary office in Hermosa Beach. The firm represents individual consumers in California in three core practice areas: identity theft victim representation (including domestic identity theft, digital-signature fraud, senior identity theft, and unauthorized bank/ATM/credit-card transactions), credit-report dispute resolution under the FCRA, and debt collection defense and harassment claims under the FDCPA and California Rosenthal Act. There is no proprietary technology platform; service delivery is attorney-led, with intake via a website contact form and free phone consultation (805-669-9844).

The firm operates a contingency-fee model for identity theft matters ("no win, no fee") and leverages statutory fee-shifting under FCRA and FDCPA for consumer-protection claims, removing upfront cost barriers for plaintiffs. Its go-to-market is content- and SEO-led: an extensive blog (100+ posts), YouTube video content, video transcripts, and dedicated geographic landing pages across approximately 14 California counties/cities drive top-of-funnel intake. The firm markets a "small firm with a large presence" positioning, leaning on a record $20.1M FCRA verdict against Comenity Capital Bank and other reported seven- and eight-figure outcomes as brand evidence.

Loker Law is privately held, founder-controlled, and reported as having 1–10 employees (with the firm disclosing five attorneys and seven staff on its website). It has no institutional investment, parent company, or public listing. Revenue, financial performance, and case-acceptance rates are not publicly disclosed, and the business carries the inherent lumpy-revenue risk of a contingency-fee plaintiff practice where annual results depend on a small number of large matters settling or going to verdict.

Name

Loker Law, APC

Legal name

Loker Law, APC

Website

https://loker.law

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Arroyo Grande

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Legal Services - Contingency Fee Representation: The firm handles identity theft cases on a contingency fee basis, meaning clients pay nothing unless the firm wins their case. For debt collection and credit reporting cases, the firm operates similarly under consumer protection statutes like the FDCPA and FCRA, which often allow consumers to hold debt collectors accountable at no cost to themselves.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Loker Law, APC is a California consumer protection law firm that represents individual consumers in identity theft cases, credit reporting disputes, debt collection harassment matters, and debt collection defense. The firm handles identity theft cases on a contingency fee basis where clients pay nothing unless the firm wins, and pursues statutory damages and attorney's fees under the FCRA, FDCPA, TCPA, and California Rosenthal Act on behalf of California consumers.

Product overview

Loker Law, APC is a California consumer protection law firm offering legal services through four main practice areas: Identity Theft Victim Representation, Credit Report Disputes, Debt Collection Defense, and Debt Collection Harassment. The firm provides specialized subservices including domestic identity theft, digital signature fraud, senior identity theft, unauthorized ATM charges, unauthorized bank transfers, unauthorized credit card transactions, inaccurate account information disputes, and fraudulent credit reporting. Identity theft cases are handled on a contingency basis where clients pay nothing unless the firm wins.

Differentiator

Problem solved

Functional benefit

Products and services

• Identity Theft Victim Representation Legal representation for California consumers who have had their identity stolen or compromised, covering domestic identity theft, digital signature fraud, senior identity theft, unauthorized ATM charges, unauthorized bank transfers, and unauthorized credit card transactions. Cases are handled on a contingency fee basis, meaning clients pay nothing for legal services unless the firm wins, with recovery pursued under consumer protection statutes.
• Credit Report Disputes Legal services for California consumers who need to correct inaccurate account information disputes or fraudulent credit reporting on their credit reports. The firm helps clients protect their credit scores, challenge inaccurate or fraudulent entries, and pursue compensation under the Fair Credit Reporting Act (FCRA).
• Debt Collection Defense Legal defense representation for California consumers who are being sued by debt collectors or creditors. The firm helps clients navigate court processes and explore available legal defenses against collection actions.
• Debt Collection Harassment Legal representation for California consumers who are victims of unfair or harassing debt collection practices. Claims are pursued under the Fair Debt Collection Practices Act (FDCPA) and the California Rosenthal Fair Debt Collection Practices Act, which may allow the consumer to hold debt collectors accountable and recover attorney's fees at no out-of-pocket cost.

Quantifiable outcome

• $20,100,000 verdict against Comenity Capital Bank for FCRA violations
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Lexington Law Firm: Credit-report and FCRA-focused consumer law firm with nationwide service area and heavy content/SEO marketing presence. Operates in the same credit-repair/consumer protection category with similar long-tail acquisition playbook.
• The Fair Credit Lawyers: FCRA-focused plaintiff firm pursuing credit reporting errors and furnisher violations on contingency. Direct specialty overlap with Loker's credit-report-dispute practice and similar fee-shifting reliance.
• Kimmel & Silverman PC: Northeast-based consumer protection firm specializing in FDCPA, FCRA, and TCPA claims on contingency with attorney-led intake. Closely mirrors Loker Law's specialist contingency model in the same statutory niches.
• Consumer Action Law Group: California-based consumer protection firm focused on identity theft, credit reporting, and debt collection defense. Geographic and substantive overlap makes it one of the closest direct competitors to Loker Law within California.
• Stein Saks PLLC: Specialized FDCPA and consumer protection firm with significant trial experience and contingency model. Direct case-mix and plaintiff-side positioning overlap with Loker Law.
• Morgan & Morgan: Large nationwide plaintiff-side firm running FCRA/FDCPA/consumer protection matters alongside mass tort and PI on contingency. Direct overlap on case types and contingency economics; significantly larger scale and broader practice portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/loker-law-apc

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Loker Law, APC