Advice for finding a consumer credit report attorney
Category: Relationships and Society > Law
Asked by: bkft-ga
List Price: $75.00
13 Jul 2003 21:53 PDT
Expires: 12 Aug 2003 21:53 PDT
Question ID: 229676
I've been fighting for several years to have a blemish removed from my credit report. The blemish resulted from a move to a new location, when an unused credit card didn't get my updated address (I suspect the firm didn't process the change of address). A very small charge ended up being sent to collection without my knowledge. Unfortunately, despite having strong personal finances and a very good job, this small blemish is causing me serious problems with loans, insurance, utilities and other basic services. Many companies process credit reports robotically --- so I get regularly rejected for insurance and other services, even if I explain my situation, provide personal asset summaries to demonstrate strong finances, or even offer to pre-pay for years in advance! I continually get "I'm sorry, but our system requires you to pass our computerized credit threshold; there are no exceptions". Originally I assumed I could simply have this mistake removed as a bookkeeping error on the bank's part, but since I paid off the small quantity in question, I have no leverage with anyone. I suspect I'm in a hopeless situation, but I'd like to at least walk my case by a competent attorney who can advise me of my options. Unfortunately, most lawyers I found with a quick search seem to focus on bankruptcies and other people with financial problems. I'm not in that situation. None of my friends and colleagues have useful experience to recommend either. QUESTION: Can someone help me understand how I can successful locate a skilled attorney who'd be appropriate for someone who needs to understand credit report legal options, but who does not have bad finances? What skills/types of lawyers do I even look for? Is there a better process than randomly calling every lawyer in the Yellow Pages?!?!? Please note that I have never hired a lawyer in the past, and have no experience with legal counsel search. P.S. I'm hoping to avoid the "bulk" credit lawyers, like Lexington Law Firm, which just send form letters to all credit agencies. I really want a full-service attorney who can represent me personally.
Re: Advice for finding a consumer credit report attorney
Answered By: belindalevez-ga on 28 Jul 2003 06:52 PDT
<You need an attorney who specialises in consumer law and more specifically in unfair credit reporting. The National Association of Consumer Advocates is a nationwide association of over 800 attorneys who are experienced in consumer law. http://www.naca.net/ A search on their site for lawyers experienced in unfair credit reporting produced a list of 13 individuals. A search for lawyers with an advanced level of experience produced two individuals. You can perform the same searches from the link http://www.naca.net/db.php3 To find lawyers with an advanced level in credit reporting law, enter the following details: State California, Area fair credit reporting, Level advanced. To find lawyers with experience in fair credit reporting law enter the following details: State California, Area fair credit reporting, Level experienced. Clicking on view details gives contact details. Advanced level lawyers. John L.Fallat Law Offices of John L. Fallat Located in Kentfield http://www.lawyers.com/fallat/index.jsp Howard Strong Contact details: PO Box 570092 Tarzana, CA ZIP 91357-0092 Telephone 818-343-4434 Experienced level (in the San Francisco area). The Sturdevant Law Firm http://www.sturdevantlaw.com/ Carol McLean Brewer Kemnitzer, Anderson, Barron & Ogilvie http://www.kabolaw.com/pages/default.asp Mary B. Cunniff The Law Offices of Timothy C. Cronin, Esq. 809 Montgomery St., 2nd Floor San Francisco, CA ZIP 94133 Telephone (415) 951-0166 Email email@example.com Eric H. Gibbs Girard Gibbs & De Bartolomeo LLP http://www.girardgibbs.com/ Law Offices of Sharon Kinsey. http://www.consumeradvocate.net/ Areas of speciality http://www.consumeradvocate.net/practice.html The California State Bar Association offers advice about hiring a lawyer. http://www.calbar.ca.gov/state/calbar/calbar_generic.jsp?sCategoryPath=/Home/Public%20Services/Consumer%20Information/Pamphlets&sImagePath=Hiring_A_Lawyer.gif&sCatHtmlPath=html/Pamphlets_Hire-Lawyer.html&sFileType=HTML&sHeading=Hiring%20a%20Lawyer You can check a lawyers official bar record by searching for their name at http://members.calbar.ca.gov/search/member.aspx There are a number of lawyer referral services in San Francisco that can also help you to locate a lawyer suitable for your needs. http://www.calbar.ca.gov/state/calbar/calbar_generic.jsp?sCategoryPath=/Home/About%20the%20Bar/Links/Lawyer%20Referral%20Services&sHeading=County%20Programs&sCounty=San%20Francisco%20County&sCatHtmlPath=calbar_lawyer_referral.jsp> <Additional links:> <Consumer Federation of California.> <http://www.consumerfedofca.org/> <Consumer Attorneys of California (CAOC) is an organisation of 3,000 lawyers who represent consumers.> <http://caoc.com/about.htm> <Advice on finding a lawyer.> <http://consumerlawpage.com/article/howhire.shtml> <Fair credit reporting.> <http://www.ftc.gov/bcp/conline/pubs/credit/fcra.htm> <Credit repair.> <http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm> <Search strategy:> <"consumer law" association California> <://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=%22consumer+law%22+association+california> <"national association of consumer advocates"> <://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=%22national+association+of+consumer+advocates%22> <lawyers "consumer protection law" credit> <://www.google.com/search?hl=en&lr=&ie=ISO-8859-1&q=lawyers+%22consumer+protection+law%22&as_q=credit> <Hope this helps.>
rated this answer:
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This was a helpful and relevant answer, matching the needs I indicated. It also summarizes the search strategy clearly, cites relevant organizations, and identifies several plausible candidates.
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