Cases We’ve Won For Our Consumer Rights Clients
Nationwide Consumer Rights Law Firm
As the only law firm in the country that specializes in representing clients following a Chapter 13 bankruptcy, we have a proven track record of fixing credit report errors caused by their mortgage company and getting our clients compensation.
Here are just a few of our Consumer Rights winning results.
Reporting someone else’s adverse debts on client’s credit report
A Minnesota man had a similar name and date of birth to his father, which caused him to be hyper-vigilant of issues or inaccuracies in his credit reports. When he was checking his credit reports, he noticed that one was reporting two debts that belonged to his father, including a car loan with a credit union that was repossessed and a bank debt that was defaulted and charged off.
He sent dispute letters to the credit reporting agency on several occasions, notifying them of the inaccuracies, and asking them to investigate and correct the inaccuracies. They responded each time saying there were no inaccuracies with the reporting of the father’s debts on his credit report.
He contacted the attorneys at Fields Law to bring a Fair Credit Reporting Act lawsuit for the inaccuracies on the credit report. The attorneys at Fields Law were successful in bringing a lawsuit for the false reporting and failure to properly investigate our client’s disputes.
His credit report was corrected, he was freed from his father’s adverse debts, and he received a settlement for the damages the inaccurate reporting caused.
Failure to update credit reports after successful chapter 13 bankruptcy discharge
A woman from Pennsylvania unfortunately needed to file for chapter 13 bankruptcy due to having insurmountable debt. Fortunately, she was able to complete all the chapter 13 bankruptcy plan payments and was granted a discharge. Before filing chapter 13 bankruptcy, this person had secured a mortgage loan. She was able to complete all the chapter 13 bankruptcy plan payments, she was timely with every single monthly mortgage payment, and was granted a discharge. After she was successful discharged from the chapter 13 bankruptcy, this person was told it was a good idea to check her credit reports. While reviewing her credit reports, this person noticed that all the credit reporting agencies were inaccurately reporting her mortgage loan.
The credit reporting agencies all reported that the mortgage loan was discharged (i.e. forgiven) in a chapter 13 bankruptcy. This was inaccurate because her mortgage loan was still open following the bankruptcy being discharged, and she was 100% timely on mortgage payments during and following the bankruptcy.
Upset to see these inaccuracies, she disputed the errors with the credit reporting of the mortgage. One credit reporting agency responded and corrected the reporting inaccuracies. However, two others responded and refused to correct the reporting inaccuracies on the mortgage loan.
Unsure what she should do next, she contacted the attorneys at Fields Law to bring a Fair Credit Reporting Act lawsuit for the inaccuracies on the credit reports. The attorneys at Fields Law were successful in bringing a lawsuit against the two credit reporting agencies as well as the furnisher for false reporting and failure to properly investigate our client’s disputes of the inaccuracies. Her credit reports were all corrected, she received a settlement, and had a credit score that was accurate and reflected her true credit worthiness.
Failure to update credit reports after successful chapter 13 bankruptcy discharge
A man from Georgia previously secured a mortgage loan for his home and primary residence. Life started to get tough, and more specifically, extremely financially difficult for him, so he needed to file for chapter 13 bankruptcy. He was able to successfully make all the chapter 13 bankruptcy plan payments, he was able to manage to make all the monthly mortgage payments for his home loan, and he was fortunately granted a discharge.
Once the chapter 13 bankruptcy was over, this person got his credit reports to ensure all his accounts were reporting accurately. Within his credit report, he noticed that all the credit reporting agencies were inaccurately reporting his mortgage loan.
The credit reporting agencies all reported that the mortgage loan was discharged (i.e. forgiven) in a chapter 13 bankruptcy. This was inaccurate because he completed the required chapter 13 bankruptcy plan payments, continued making payments on the mortgage loan during and after the bankruptcy, and the mortgage loan was still open following the bankruptcy being discharged. It was certainly not discharged.
Luckily, he knew what to do and disputed the inaccuracies directly with the credit reporting agencies. In response to his disputes, the credit reporting agencies refused to correct the inaccuracies on his mortgage loan. This is when the attorneys at Fields Law stepped in, and they were successful in bringing a lawsuit against the three credit reporting agencies as well as the furnisher for false reporting and failure to properly investigate our client’s disputes of the inaccuracies. His credit reports were all corrected, he was able to receive a settlement his damages, and he was able to get a credit score that was a true and accurate reflection of his credit worthiness unencumbered by the inaccurate mortgage loan.
