Home / Practice Areas
Practice areasEnforcing your rights as a consumer
We focus on a narrow set of consumer-protection matters — and we do them for individuals, not institutions.
Credit Report Errors
Inaccurate, mixed, or fraudulent information on your credit report can cost you loans, housing, and jobs. We force the bureaus and furnishers to fix it — and hold them accountable when they don't.
Learn moreDebt Collector Harassment
Collectors who call relentlessly, threaten, or lie are breaking federal law. The FDCPA may entitle you to damages — and our fees can come from the collector, not you.
Learn moreSummons & Complaint Defense
Served with a lawsuit by a creditor or debt buyer? Don't ignore it. We defend consumers against collection suits and make the other side prove their case.
Learn moreWarrant in Debt Defense
A Warrant in Debt is the most common collection lawsuit in Virginia. We defend you in General District Court and protect you from default judgments and garnishment.
Learn moreWage Garnishment Defense
A garnishment can take part of every paycheck before it reaches you. We move to stop or reduce it, protect your exemptions, and attack the judgment behind it when there are grounds.
Learn moreIdentity Theft Recovery
Someone opened accounts in your name, and now you’re the one being chased. We help victims block fraudulent accounts, clean up their credit, and recover damages from those who got it wrong.
Learn moreMixed & Merged Credit Files
When a bureau blends your file with a stranger’s, their debts and defaults become your problem. We force the bureaus to untangle the file and answer for the damage it caused.
Learn moreDebt Relief & Bankruptcy Alternatives
Bankruptcy isn’t the only path, and it isn’t always the best one. We look at the whole picture — defenses, settlements, and bankruptcy — and tell you honestly which one actually helps.
Learn moreNot sure which one fits your situation?
Most people who call us aren’t sure whether their problem is a credit-reporting issue, a collection-harassment issue, or a lawsuit they need to defend — and that’s completely normal. Often it’s more than one at the same time. A garnishment that started with identity theft, for example, can involve the FCRA, the FDCPA, and a court case all at once.
That’s what the free case review is for. Tell us what happened and we’ll point you to the right path — even if that path isn’t us.
A note on geography. The firm limits the cases it takes to Virginia residents. If you’re outside Virginia, the National Association of Consumer Advocates maintains a find-an-attorney directory to help you locate counsel near you.