Fundamental 101: Understanding Contract Law: How Agreements Create (and Break) Legal Power
How contracts form, what makes them enforceable, and why that matters in credit and debt disputes.
$97View details
Consumer Law Academy
Feeling lost?
Start here.
A society for consumer-law education, where members learn to advocate for themselves
Plain-language courses on the FCRA, the FDCPA and consumer arbitration, taught in order. For people handling their own credit reports or a debt lawsuit, for people learning the law to help family and community, and for practitioners who want depth and a room of serious peers.
Stop guessing what to study next. Pick your path, get your login by email right after checkout, and take it little by little, even if you work full time.
FCRAFair Credit Reporting ActFDCPAFair Debt Collection Practices ActADRConsumer arbitration
Consumer-law educationStudy first. Act with care.
Login by email — right after checkout
Every individual course or product purchase opens CLA 101, our community home base (rolling out soon)
Education only — not a law firm, not legal advice
Start here
Where are you right now?
Stuck on where to begin? You’re not the only one.
Pick the path that sounds most like you and follow it in order, one step at a time. Every individual course or product purchase also opens CLA 101 (rolling out soon), where members help newer members stay on track.
PATH 01
I’m handling my own credit reports or a debt lawsuit
Got “verified” again? Court papers on the table?
First, learn what those letters actually say. Start with dispute letters and how to read a reinvestigation response, then build from there one lesson at a time, in order.
Your first steps
- Fundamental 103 $97Crafting Effective Dispute Letters
- Fundamental 104 $97Reading what comes back after a reinvestigation
- The Debt Defense Kit $197How debt collection lawsuits generally work
Facing a court deadline? You can hire a licensed attorney at any time, and for court cases we encourage you to talk to one.
PATH 02
I want to go deeper into consumer law
Go deeper into liability, damages, evidence and arbitration, and learn your state’s rules before you help anyone else.
Your first steps
- Strategy 206–210 $97 eachLiability, damages, evidence, arbitration
Academy membership
PATH 03
Academy membership
Want the whole path laid out in order, so you’re not scattered? The Academy lays one process out in order: the 5-Part Arbitration Playbook, taken step by step, plus members-only channels and a room of people who study before they act and help each other follow through.
$997for the year
$997 one-time for one year of access. It does not renew automatically. Or $149/month. Same access either way.
What membership includes
- The 5-Part Arbitration Playbook coursefive steps in order, each with its own checklist or template
- Welcome Centerorientation and where everything lives
- Milestonesshare progress
- The Playbook channelpost your progress on each step
- Student Loungeconnect with fellow Academy members
- Campus Discussionstrends and strategy, together
Not included: CLA 101 and the individual courses. Those come with course purchases.
Membership is education. It is not representation, case review or legal advice.
After you buy
Here’s exactly what happens next.
No guesswork, no feeling lost after checkout. Four steps and you’re in. Individual course and product purchases also open CLA 101 (rolling out soon).
Step 1
Watch for your login email
Right after checkout, we email your login details. Not seeing it? Check spam or promotions.
Step 2
Log in with the same email you bought with
Click Client Login (portal.consumerlawacademy.com) and use the exact email address from checkout. First time logging in? Click “Forgot password” to set your password.
Step 3
Open Courses
Click Courses in the portal sidebar. Everything you bought lives there, in one place.
Bought a course or product? CLA 101, our community home base, opens too (rolling out soon).
Start with its pinned START HERE post. Academy members: open The 5-Part Arbitration Playbook under Courses, then stop by the Welcome Center.
Step 4
Get the app and ask for help anytime
Download the GoKollab app to learn and connect with fellow members on your phone. Stuck? Email [email protected] with the email you used at checkout and we’ll help you get in.
CLA 101 comes with every individual course and product purchase (rolling out soon). It’s our community home base, where members help newer members stay on track. Academy membership has its own channels instead.
Academy membership
A society for consumer-law education, where members learn to advocate for themselves.
The 5-Part Arbitration Playbook and five members-only channels, for people who want one process laid out in order and a room of members who take the work seriously. Education, not representation.
Sound familiar?
Stuck on where to start? Bought material you haven’t opened yet? Fitting this in around a full-time job, little by little?
You shouldn’t have to figure all of that out on your own. The Academy is a society for consumer-law education, where members learn to advocate for themselves, study before they act and help each other follow through.
Join the Academy
Academy membership
The 5-Part Arbitration Playbook course and community channel access, for people who want the whole road laid out in order and a room of members who study before they act. Choose a year or a month at a time; the access is the same.
Not included: CLA 101, Masterclasses, Systems & Kits, the individual Fundamentals, Strategy and Litigation courses, the recorded Mentorship, or future courses. Those are sold separately.
$997for the year
or $149/month, same access
$997 one-time for one year of access. It does not renew automatically.
$997 for the year
Join for $149/month
Compare$149 per month, charged automatically every month until you cancel. To cancel, email [email protected]. All purchases are covered by our Refund Policy.
What membership includes
5
The 5-Part Arbitration Playbook CourseFive steps in order, each with its own checklist or template, so you’re not scattered.
Welcome CenterYour first stop as a member: orientation and where everything lives.
MilestonesA place to share progress with fellow members.
The PlaybookPost your progress on each Playbook step and see how others work through theirs.
Student LoungeConnect with fellow Academy members.
Campus DiscussionsTrends and strategy, discussed together.
The Playbook course plus community channel access. Nothing else is bundled.
How the Playbook is laid out
Five steps, taken in order.
Step 1
Strategic Disputing
(works from the course checklist)
Step 2
Reading Your Reinvestigation Response
(Reinvestigation Results Compliance Checklist)
Step 3
Build Your Evidence File
(Gathering Evidence Checklist)
Step 4
Calculating Damages
(Damages Worksheet)
Step 5
Drafting Pre-Demands
(Pre-Demand Letter template)
Each step has its own lesson. Post your progress in The Playbook channel as you go.
Who teaches
Brianna Monay
Founder, Consumer Law Academy
Brianna Monay, a consumer-law educator who began as a freelance paralegal in 2015, is the author of The Fight for Fair Credit. A prominent FCRA attorney first taught her credit reporting procedure; experience later led her to verification as a strategy. She built a community, a book and two masterclasses into the foundation of Consumer Law Academy.
Membership questions
Is this legal advice or legal representation?
No. Consumer Law Academy does not provide legal advice or legal representation.
Membership offers education, structure, and community support to help you understand the consumer law process and make informed decisions. We do not represent members, file documents on their behalf, or act as their attorney.
Can this help if I already have an active case, arbitration, or court deadline?
Membership can help you understand where you are in the process and what questions to ask next. It is not an emergency legal service, it doesn’t review your case, and it doesn’t replace an attorney. You can hire a licensed attorney at any time, and for court cases we encourage you to talk to one.
How is this different from taking a course?
A course covers one subject. Membership gives you the 5-Part Arbitration Playbook, taken one step at a time, plus channels where you post your progress on each step and study alongside other members. It doesn’t include the individual courses, CLA 101, case review or one-on-one support.
Who is membership NOT a good fit for?
It may not be a good fit if you are looking for someone to handle your case for you, expect promised outcomes or settlements, want a fast answer, scripts, or “magic letters,” or are unwilling to engage, learn, or apply the material. The Academy is built for serious, engaged members who want clarity and support, not shortcuts.
Does membership include CLA 101?
No. CLA 101 comes with individual course and product purchases (rolling out soon). Academy members have their own channels: Welcome Center, Milestones, The Playbook, Student Lounge and Campus Discussions.
What’s the difference between yearly and monthly?
Only how you pay: $997 for the year or $149/month, with the same access. $997 one-time for one year of access. It does not renew automatically.
How do I cancel?
Monthly members: to cancel, email [email protected].
What’s your refund policy?
All purchases are covered by our Refund Policy.
Academy membership is education and community. It is not legal advice or representation.
The course library
Courses, systems & the mentorship
Grouped by series so you can learn in order. Individual courses are $97 each, and every individual course or product purchase opens CLA 101 (rolling out soon).
Fundamentals
Core concepts: contracts, credit reports, dispute letters, reinvestigations, and the FDCPA.
Fundamental 103: Crafting Effective Dispute Letters
Structure, tone, and documentation for dispute letters to reporting agencies and furnishers.
$97View details
Fundamental 104: Reading Reinvestigation Results from Reporting Agencies
How to read what a reporting agency sends back after a reinvestigation, line by line.
$97View details
Fundamental 105: Introduction to the FDCPA
Who counts as a debt collector, what the FDCPA covers, and the protections it gives you.
$97View details
FDCPA Foundations: Understanding & Using the Fair Debt Collection Practices Act
A deeper walk-through of the Fair Debt Collection Practices Act and how consumers apply it.
$97View details
Strategy
Liability, damages, evidence, and how consumer arbitration works.
Strategy 206: Understanding Civil Liability Under the FCRA
When a furnisher or reporting agency can be held liable under the FCRA, and the standards that apply.
$97View details
Strategy 207: Calculating Damages Under the FCRA
The types of damages the FCRA allows — actual, statutory, punitive — and how each is assessed.
$97View details
Strategy 208: Building your Evidence File
Organizing letters, reports, and records into one evidence file you can work from.
$97View details
Strategy 209: Introduction to Consumer Arbitration
How consumer arbitration works, when it applies, and how it differs from court.
$97View details
Strategy 210: Submitting Your Case in Arbitration
The steps for filing and presenting a consumer claim with an arbitration provider.
$97View details
Litigation
Discovery, pre-demands, complaints, motions, and enforcement.
Litigation 311: The Art of Discovery
How discovery works: requests for documents, written questions and requests for admission, in plain language.
$97View details
Litigation 312: Drafting an Effective Pre-Demand
Writing a pre-demand letter that lays out the facts, the law, and your request.
$97View details
Litigation 313: Drafting an Effective Complaint that Meets Article III Standing
Drafting a complaint and the standing requirements federal courts apply to it.
$97View details
Litigation 314: Mastering Motions: Filing Through Summary Judgment
The motions you will see in a consumer case, from early filings through summary judgment.
$97View details
Litigation 315: Enforcing FCRA Compliance on Debt Collectors
How the FCRA applies to debt collectors that report to the credit reporting agencies.
$97View details
Masterclasses
Longer, start-to-finish walk-throughs of a full process.
Masterclass 1.0: The Dispute Blueprint
A recorded masterclass on the credit-reporting dispute process, with a toolkit that includes a list of 20+ dispute reasons, a guide to online disputes and a list of secondary reporting agencies.
$97View details
Masterclass 2.0: The Enforcement Blueprint
Five recorded lessons on what comes after a “verified” response: pulling contracts, arbitration or federal court, demand letters with case law, and preparing for escalation.
$97View details
Systems & Kits
Step-by-step systems and fill-in templates.
FCRA Litigation System
Learn how an FCRA case is built, from the dispute letter to arbitration or court.
$97View details
The Debt Defense Kit: Understanding Debt Collection Lawsuits
A self-paced course on how debt collection lawsuits generally work, with a Request for Production template and an answer template.
$197View details
FCRA Furnisher Complaint Template
A demand cover letter template, a structured complaint template for FCRA furnisher issues, and a short explainer video.
$97View details
The Mentorship
The top rung: the recorded FCRA Arbitration Mentorship. Educational only.
The top rung · Coming soon
FCRA Arbitration Mentorship Recorded program
Coming soon (waitlist)
The eight-stage curriculum, recorded: Spot the Issue, Build the Dispute, Read the Response, Review the Contract, Create the Evidence File, Prepare the Demand, Enter AAA Arbitration, Navigate Procedure. For people who are ready to study the facts before choosing the argument.
What it is not: legal representation, case review, documents prepared for filing, or a shortcut around research and evidence. Educational only.
The curriculum
- 01Spot the Issue
- 02Build the Dispute
- 03Read the Response
- 04Review the Contract
- 05Create the Evidence File
- 06Prepare the Demand
- 07Enter AAA Arbitration
- 08Navigate Procedure
Compare
One course at a time, or the Academy?
Courses are sold one at a time, $97 each, and each one opens CLA 101 (rolling out soon).
Academy membership gives you The 5-Part Arbitration Playbook course and five members-only channels, at $997 for the year or $149/month, with the same access either way. The $997 is one-time for one year of access. It does not renew automatically.
| Individual courses$97each | Academy membership$997for the yearor $149/month · same access | |
|---|---|---|
| CLA 101 community channelWith every individual course or product purchase (rolling out soon) | With any course | — |
| 5-Part Arbitration Playbook course | — | Included |
| Community channels Welcome CenterMilestonesThe PlaybookStudent LoungeCampus Discussions | — | Included |
| Fundamentals, Strategy & Litigation courses101–105, FDCPA Foundations, 206–210, 311–315 | $97 each | Not included · $97 each |
| Masterclasses 1.0 & 2.0The Dispute Blueprint, The Enforcement Blueprint | $97 each | Not included · $97 each |
| Systems & KitsLitigation System, Debt Defense Kit and templates | Sold separately | Not included |
| Courses added in the future | Sold separately | Not included |
| The recorded MentorshipComing soon (waitlist) | Sold separately | Not included |
| Access in the client portal | Included | Included |
| How you pay | Per course | $997 one-time for one year of access. It does not renew automatically. Or $149/month, charged automatically every month until you cancel. To cancel, email [email protected]. |
| Join | Browse courses |
All products are educational. Access is through the CLA client portal under Courses. Refund Policy
FAQ
Questions before you buy
Straight answers about access, membership, and what CLA is (and isn’t).
Still stuck?Email [email protected] with the email you used at checkout. We’ll help.
Where do I find my course after I buy?
Log in to the client portal and click Courses in the sidebar. Everything you’ve bought is listed there. Your login details are emailed to you right after checkout, and every individual course or product purchase also opens CLA 101 in the community (rolling out soon).
How do I log in?
Click Client Login at the top of any page (portal.consumerlawacademy.com) and use the same email you bought with. First time logging in?
Click “Forgot password” on the login screen to set your password. Still can’t get in?
Email [email protected] and we’ll help.
How do I become an Academy member?
Join right here on the store: $997 one-time for one year of access. It does not renew automatically.
Or $149/month, with the same access either way. Membership includes the 5-Part Arbitration Playbook and five members-only channels.
It doesn’t include the individual courses or CLA 101. $997 for the year · Join for $149/month
Is this legal advice?
No. Consumer Law Academy is education only.
We are not a law firm, and buying a course does not create an attorney-client relationship. For advice about your own situation, talk with a licensed attorney in your state.
Can I use what I learn to help other people?
You can use what you learn to understand the law. The rules on who can give legal advice or represent other people (unauthorized practice of law, or UPL) are different in every state.
Learn your state’s rules before you help anyone else, and follow them. Our courses teach the law; they don’t make anyone a lawyer.
What is CLA 101?
CLA 101 is our community home base: a pinned START HERE post and weekday prompts. It opens with every individual course or product purchase once it rolls out. It isn’t part of Academy membership.
Can someone take my case?
No. Consumer Law Academy is education, not a law firm, so we don’t represent anyone or review individual cases. You can hire a licensed attorney at any time, and for court cases we encourage you to talk to one.
What’s your refund policy?
All purchases are covered by our Refund Policy.
How do I cancel a membership?
Monthly members: to cancel, email [email protected].
Consumer LawAcademy
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