About us
Being a consumer today is far from simple, as there are many options when selecting household goods, financial products, and much more, as well as many companies competing for your business offering deals, discounts, and greater convenience. Consumers should be able to trust that these businesses are being truthful and straightforward and that they will receive the goods and services for which they rightfully paid. Unfortunately, this is not always the case and, when a company engages in fraud or other wrongdoing, consumers often pay the price. If you have suffered harm due to wrongdoing on the part of a company, you should discuss your situation with a qualified consumer protection attorney as soon as possible.
We stand for the rights of consumers
We represent consumers whose financial lives have been damaged by inaccurate reporting and unlawful collection practices. The cases we handle most often look like this:
- Mixed credit files — twins, a parent and child sharing a name (Sr./Jr.), or a stranger with a similar name or a Social Security number one digit apart, whose accounts and debts end up on your credit report;
- Identity theft — accounts opened with your stolen personal information after a breach or scam — and the harder, more personal cases, where a family member or someone you trusted accessed your financial information without your authorization;
- Credit report errors — debts you paid still reported as owing, late payments you never missed, debts discharged in bankruptcy that keep reporting, or even being wrongly reported as deceased;
- Background check errors — a job or apartment lost to someone else’s criminal record, an expunged or sealed case that still appears, or outdated information a screening company should never have reported;
- Bank screening errors — being unable to open a checking account because ChexSystems or Early Warning Services reports fraud or unpaid fees that are not yours;
- Debt collection abuse — collectors demanding money you do not owe, chasing debts created by identity theft, or continuing to harass you after you have disputed or paid; and
- FCRA class actions — when the same reporting failure harms hundreds or thousands of consumers the same way.
While it may seem intimidating to challenge a business in court, consumers should never have to simply accept unfair, deceptive, or wrongful treatment that causes them financial, emotional, or physical harm.
About founder
Richard H. Kim, Esquire
Rich is a lifelong resident of the Philadelphia area and a 2001 graduate of Bucknell University. After receiving a degree in Finance from Bucknell, he graduated from Rutgers School of Law and Business in 2005 – receiving both a Juris Doctor and Master’s in Business Administration. Thereafter, he served as a Judicial Law Clerk to The Honorable Robert J. Mellon of the Bucks County Court of Common Pleas.
Since that time – as a member of some of the region’s largest law firms – Rich has litigated actions in both state and federal courts throughout the country, including: California, Nevada, Wyoming, New York, New Jersey and Pennsylvania. His practice endeavors include, but are not limited to, litigating: business disputes, employment cases, class actions, personal injury matters and fiduciary duty issues.
- Pennsylvania
- New Jersey
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United States District Court,
District of New Jersey
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United States District Court,
Eastern District of Pennsylvania -
United States District Court,
Middle District of Pennsylvania -
United States Court of Appeals
for the Third Circuit
A Philadelphia consumer protection attorney on your side
Today, Richard concentrates his practice on protecting individual consumers under the federal Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). Drawing on his background litigating in state and federal courts, The Kim Law Firm helps people across Philadelphia and Pennsylvania hold credit bureaus, background-check companies, and debt collectors accountable — with no fee unless we win.
Our practice areas
- Mixed Credit Report — someone else’s accounts or records merged into your credit file
- Identity Theft — fraudulent accounts that damage your credit
- Credit Reporting Errors — false or inaccurate information on your credit report
- Employment Background Checks — screening mistakes that cost you a job
- Debt Collection Harassment — abusive collectors, under the FDCPA
- Class Action — corporate wrongdoing that harms many consumers
Frequently asked questions
Who is Richard H. Kim?
Richard H. Kim is a Philadelphia-area consumer protection attorney and the founder of The Kim Law Firm. He earned a Juris Doctor and M.B.A. from Rutgers (2005) and a Finance degree from Bucknell University (2001), clerked for a judge of the Bucks County Court of Common Pleas, and has litigated in state and federal courts before focusing his practice on protecting consumers.
What kinds of cases does The Kim Law Firm handle?
Consumer protection matters under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) — credit report errors, mixed credit files, identity theft, background check and tenant or bank screening mistakes, and debt-collector harassment, including class actions.
Where is The Kim Law Firm located?
The firm is based in Philadelphia at 1515 Market Street, Suite 1200, and represents consumers across Philadelphia and Pennsylvania.
How much does it cost to hire the firm?
Nothing upfront. The FCRA and FDCPA shift attorney’s fees to the company that broke the law, so you pay nothing unless we win. Your case review is free.
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