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.
Failure to update credit reports after successful chapter 13 bankruptcy discharge
A woman from Illinois previously secured two mortgages for her home. Sometime thereafter, a furnisher acquired both of her mortgage loans. She later filed for chapter 13 bankruptcy, which she was able to successfully complete and was granted a discharge.
Around the time of being discharged, her primary mortgage loan was acquired by a new furnisher who took over as the company that provided the credit reporting agencies with the information on how the loans were to be reporting. Throughout the entire chapter 13 bankruptcy, she maintained ownership of the house with the two mortgages on it, and was timely in the monthly mortgage payments.
After being successfully discharged from the chapter 13 bankruptcy, she checked how the credit reporting agencies were reporting her various accounts. She noticed that all the credit reporting agencies were inaccurately reporting the two mortgage loans.
The credit reporting agencies all reported that the two mortgage loans were still involved with a chapter 13 bankruptcy, and that the primary mortgage loan had a status of 120+ days late or past-due. This was inaccurate because our client completed the required payments through the chapter 13 bankruptcy and continued making payments on the mortgage loans after the discharge because the loans were still open following the bankruptcy being discharged.
She disputed the inaccuracies with the credit reporting of the two mortgages. The credit reporting agencies responded and refused to correct the reporting inaccuracies on the two mortgage loans. The attorneys at Fields Law were successful in bringing a claim against the three credit reporting agencies as well as the mortgage companies for false reporting and failure to properly investigate our client’s disputes of the inaccuracies. Her credit reports were all corrected, and she received a settlement for the damages that the inaccurate reporting caused.
Owed Arrears reporting as a negative balance on his credit report
Upon his daughter turning 18, a county child support office in Minnesota notified our client that his monthly obligations have been satisfied and could move on to satisfying his arrears. He maintained a very good relationship with the county child support office and was on track to fully satisfy his obligations.
He was never late on his payments and had plans to purchase a home. Things were looking up until he pulled his credit report and found that his child support was reporting as 180+ days past due and having no payment history. The client was ultimately denied a mortgage loan for the inaccurate reporting.
Worried that this would hurt his chances to purchase a home, he disputed the inaccuracies with the credit reporting bureaus on two separate occasions. He even received support from the child support office that the report was incorrect and should have been reporting current and paid as agreed.
The attorneys at Fields Law were successful in bringing a claim against two of the credit reporting agencies for false reporting and failure to properly investigate the client’s credit report. The client’s credit report was corrected, and he received a settlement for his damages.
Mortgage company reported he was making late payments during his chapter 13 bankruptcy proceeding
A Michigan man had filed for a chapter 13 bankruptcy in 2013, made his mortgage payments through the bankruptcy trustee and then the bankruptcy was dismissed in March 2018. The furnisher was supposed to stop reporting negative payment activity for each month’s payment paid through the trustee. After the bankruptcy dismissal, our client noticed that the furnisher had not done this and actually had wrongly reported 25 months between November 2015 through March 2018 as being very delinquent.
Our client disputed the inaccuracies with the credit reporting bureaus. One credit reporting agency made the corrections, but two of them did not. The attorneys at Fields Law were successful in bringing a claim against two of the credit reporting agencies and the mortgage company for false reporting and failure to properly investigate the client’s credit report. The client’s credit report was corrected, 25 late mortgage payments were removed, and he received a settlement for his damages.
