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INACCURATE CREDIT REPORTING AFTER BANKRUPTCY KEEPS YOU STUCK IN THE PAST.

Every breakup needs a backup. We’ll be yours.

  • If credit bureaus and other careless corporate agencies won’t let you move on, we’ll work to help you break up with your bankruptcy for good. And maybe even get you money.

  • Working with us won’t add to your debts. You pay nothing out of pocket, and they pay the legal bills when we win.

Check your credit report accuracy NOW!

INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2025CA119

I have read and agree to the Privacy Policy, Investigation

Bankruptcy Should Offer a Fresh Start But Errors Can Keep You Stuck

When you file for bankruptcy, a discharge order from the court is supposed to wipe out your dischargeable debts and give you a clean financial slate. But what happens when your credit reports don’t reflect that?
Unfairly reported bankruptcy data can wreak havoc on your life. These errors can lead to denials for mortgages, car loans, insurance, jobs, rental housing, and more. Instead of moving forward, you're trapped in the same cycle of financial stress and uncertainty you thought you’d left behind. The cost is more than just financial. It’s the chronic anxiety, the frustration of being turned away, and the lingering stress that continues long after your bankruptcy should’ve been in the past.
Don’t let reporting errors steal your fresh start. Take control of your credit and your future today.

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WIPE OUT BAD BANKRUPTCY DATA AND BOOST YOUR CREDIT!

Consumer Attorneys is here to help you fight back and fix those unfair errors. If the credit bureaus are making mistakes like:

  • Reporting delinquencies that should be gone

  • Listing discharged accounts as charge-offs

  • Showing big balances on accounts that should be at $0

  • Misreporting your debt-to-income ratio after bankruptcy

Bankruptcy Reporting Errors:
You Have Powerful Rights
Under the FCRA

The Fair Credit Reporting Act (FCRA) plays a vital role in protecting consumers from reporting errors. When it comes to bankruptcy-related errors, the FCRA gives consumers significant rights and places legal obligations on consumer reporting agencies, including the credit bureaus (Experian, Equifax, and TransUnion). Consumers have the right to: (1) accurate reporting that reflects that correct status and balances of their accounts, (2) review their credit reports for free, (3) dispute any errors, (4) have those errors investigated within 30 days, (5) have those errors corrected, (6) file a lawsuit if necessary, (7) get compensation if eligible, and (8) have their legal bills paid by the CRAs they had to sue.

HOW IT WORKS

If your credit report shows inaccurate, misleading, false, or outdated information after bankruptcy, we’re here to help—and we’ll provide everything you need to fix it.

1

Step

Reach Out

Call us or submit a request to schedule a free consultation with our expert team.

2

Step

Share Your Report

Send us your credit report, and we’ll spot the errors and work with you to get them fixed.

3

Step

Get Paid

No out-of-pocket costs—credit bureaus cover the fees, and you might get compensated!

BANKRUPTCY REPORTING ERRORS? WE CAN HELP.

Contact us

WHO WE ARE

Consumer Attorneys is a trusted nationwide Consumer Protection law firm with an A+ BBB rating.

We help fix errors in credit, background check, and tenant screening reports for good. With a focus on client well-being, communication, and winning, we help real people with real problems from coast to coast.

10,000+

Nationwide Clients

25+ Years

Combined Experience

$100+ Million

Recovered for Clients

WHY CHOOSE US?

We believe in getting second chances and keeping promises.

Consumer Attorneys is dedicated to upholding the promise of bankruptcy. Experiencing the financial pain of bankruptcy is hard enough. The last thing your clients need is credit reporting agencies and financial institutions unconcerned about the accuracy of their debts. We are advocates and litigators dedicated to protecting their right to fairness, accuracy, and a fresh start. We put our experience, talent, and legal knowledge to work for them. Which also works for you..

Our Vision

We envision a consumer economy in which individual lives are valued as much as billion-dollar corporate profits.

Our Mission

It is our mission to hold consumer reporting agencies and financial companies accountable for the harm they cause through reckless reporting and shoddy investigations.

Our Goal

Our goal is to partner with you to make sure second chances are real and promises mean something. We’re rebalancing the unjust power divide, one client at a time.

No worries and no costs - we’ll handle everything for you, and you might even get some compensation!

No Out-of-pocket fees

Our bankruptcy reporting errors practice relies primarily on the Fair Credit Reporting Act (FCRA), which requires consumer reporting agencies, data furnishers, and other parties to pay the costs of our legal representation when we settle or win. This means that sending your clients our way won’t add to their debts or tip the fragile balance of careful financial and credit management they’re undertaking. We’re all in this together.

YOU SHOULD KNOW THAT…

Every Year

As many as one-third of individuals in the United States discover inaccuracies, discrepancies, or errors in their credit reports when reviewing their financial records.

Last Year

In the United States, a total of 508,758 bankruptcy cases were officially filed during the specified period.

This Year

The CFPB sued Experian for allegedly conducting sham investigations of credit report errors, failing to properly resolve disputes, and jeopardizing consumers’ access to credit, jobs, and housing.

This means that an estimated 170,000 people who filed for bankruptcy last year will deal with credit reporting errors that never get fixed, even when they play by the rules!

Fresh Start, Higher Score, Extra Cash - How Satisfying!

Bankruptcy reporting errors shouldn’t hold you back. You have the right to accurate credit reporting, including the correct account statuses and balances. We know how to clear up the mistakes and get you the fresh start you deserve—and maybe even some compensation! 

With a clean report and a boosted credit score, you’re on your way to financial freedom. Now that’s satisfying!

WHAT OUR CLIENTS ARE SAYING

Michael's testimonial

Michael

WASHINGTON

If you have a mistake on your background report, Consumer Attorneys can help you correct your report and get your life back on track.

Lucy's testimonial

Lucy

NEW YORK

This company helped me a lot. I couldn`t have solved this matter by myself as quickly and professionally without Daniel. I found out about my rights and what I am qualified for. Thanks to the attorneys` support, I realized that everybody who is a victim of negligence, deserves to be remunerated.

Luis's testimonial

Luis

WASHINGTON

If you have a mistake on your background report, Consumer Attorneys can help you correct your report and get your life back on track.

Free Consultation

CALL US NOW: +1 844-440-4056
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“CA”), hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2025CA119

I have read and agree to the Privacy Policy, Investigation
CONTACT US

Head Office NY

68-29 Main Street, Flushing, NY 11367

+1 844-440-4056

bankruptcy@consumerattorneys.com

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