Today, the most essential part of a person’s public record is their credit history. Across every key area of life, credit has become the primary driver of the American dream. If you want to rent an apartment, own a house, qualify for a good job, get insurance, obtain higher education or start a small business, then good credit is the key that unlocks these doors to material security, prosperity and growth.

If you’re like most Americans today, obtaining credit is fairly simple. If you have a steady job, an acceptable debt-to-income ratio, and no history of serious credit delinquency, you can obtain more credit than you’ll probably ever need. As long as you don’t become overextended and make sure that you don’t miss a payment due date by more than thirty days, your credit score will continue to improve, and your buying power will keep on growing.

But many in Florida face the flip side of this equation, and often through no fault of their own. As fair and impartial as financial institutions purport the credit system to be, the fact is that mistakes in reporting credit information still occur at alarming rates. These mistakes leave affected consumers financially disenfranchised from the rest of us, exposed to long-term financial problems that can limit life’s possibilities and close them off from their shot at the American dream.

Many people simply choose to hire a credit repair company to assist them in resolving their credit report problems. That's fine, and there are a number of reputable credit repair companies to work with. But, at some point the dispute process comes to an end, and you may still be left right where you started. That's why it's important to consult with an attorney experienced in Fair Credit Reporting Act (FCRA) matters. If you have suffered damages because your credit report is inaccurate, and the bureaus or furnishers fail to correct the information, we sue on your behalf to enforce your rights.

We help consumers in Florida facing:

• Debt collectors who send false information about them to a Credit Reporting Agency (CRA);

• CRAs who inaccurately post information about consumers in consumer and credit reports;

• Illegal disclosure of medical and private health information;

• Illegal disclosure of information that can lead to identity theft and credit fraud

• The Re-aging of a debt on your credit report.

• Companies who, for no reason, or without consent of the consumer run your credit history in order to solicit business to you.


Identity theft occurs when someone uses your personal information without your permission.  Identity thieves may use consumers’ personal information to open new accounts or access existing accounts and unauthorized charges.  Identity theft is the fastest growing crime in the U.S.  Identity theft victims should review their credit reports for errors.  All credit report errors should be disputed by consumers, in writing, by certified mail.

Identity theft is a serious problem.  Identity theft victims spend countless hours and money to repair credit reports and clear their good name.  Identity theft victims may be denied credit, employment, housing or insurance because of false information on their credit report.  Others may receive collection calls or letters for accounts they did not open. 

Identity theft victims often fall prey to family members.  In fact, identity theft by family members is very common.  The perpetrator may be a sibling, soon to be ex or even a parent.  This is known as friendly fraud, but there is nothing friendly about identity theft!  Family members often have easy access to personal identifying and financial information. Once detected, victims are often reluctant to file criminal charges against family members.


According to the Federal Trade Commission (FTC), Florida is the No. 1 state for Identity Theft. Miami also happens to be the No. 1 city for Identity Theft in the entire country.


Contact us today if you believe you are a victim of Identity Theft. The longer you wait, the more difficult it becomes to undo the damage.


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