OUR SERVICES
We Represent People, Not Corporations
Aggressive, rock-solid representation for consumers victimized by big business. Explore our practice areas below — or tell us what happened and we’ll point you the right way.
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FCRA Lawyer
Your umbrella protection under federal law. Whatever put the error on your consumer report — a bureau, a furnisher, or a screening company — the Fair Credit Reporting Act lets you dispute the error and, if the company violated the Act, sue for damages and attorney’s fees.
Mixed / Incorrect Credit Report Lawyer
Someone else’s debts, accounts, or records on your credit file? Mixed files can do serious harm, and they are a core part of our practice. We sue the bureaus to seek correction of your file and damages.
Identity Theft Lawyer
When fraudulent accounts wreck your credit, the law puts the burden on the bureaus and furnishers to fix it. We make sure they do — and pursue compensation for the harm done.
Credit Reporting Error Lawyer
False or inaccurate information on your credit report can cost you loans, housing, and jobs. The FCRA gives you the power to fight back.
Credit Report Lawyer
A credit report error that a bureau or a lender will not correct can be a claim under the Fair Credit Reporting Act. We review the report, the dispute record and the harm it caused.
Credit Bureau Lawyer
When Equifax, Experian or TransUnion verifies an error instead of fixing it, the bureau can be held liable under the FCRA.
Credit Dispute Lawyer
You disputed in writing and the error came back “verified.” A failed dispute is often where an FCRA case begins.
Sue a Credit Bureau
What it takes to sue a credit bureau over a credit report error, and what the FCRA lets you recover.
Background Check Lawyer
93% of employers run background checks. One mistake — a mixed file, an outdated record — can cost you the job you deserve.
Sue a Background Check Company
A background check company that reports a record that is not yours, or one it should not report, can be held liable under the FCRA.
Tenant Screening Lawyer
Denied an apartment because of a wrong tenant screening report? Tenant screening companies must follow the FCRA.
Debt Collection Harassment Lawyer
The FDCPA protects you from abusive collectors — and allows a claim for damages plus attorney’s fees when they cross the line.
FCRA Class Action Lawyer
When corporate wrongdoing harms many, we bring complex civil litigation on behalf of groups of consumers.
Deceased Credit Report Error Lawyer
Wrongly reported as deceased on your credit report? A false deceased indicator can freeze your accounts and get you denied for loans, housing, and jobs. The FCRA lets you dispute the error and, if the company violated the Act, sue for damages.
Trafficking Survivor Credit Report Help
Accounts or debt from being trafficked still on your credit report? Federal law requires the credit bureaus to block them once you send the right documentation, and the FCRA lets you sue a bureau that refuses.
Not Sure Which Applies to You?
Tell us what happened — we’ll figure out the legal theory. Free case review; you pay nothing unless we win.
Philadelphia consumer protection lawyers on your side
The Kim Law Firm is a Philadelphia consumer protection law firm that represents individuals — never corporations — under the federal laws written to protect you: the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). When a credit bureau reports false information, a background check company costs you a job, or a debt collector crosses the line, the law gives you real rights — including the right to make the company that broke the law pay your attorney’s fees. That’s why we take these cases with no upfront cost: you pay nothing unless we win. From our office at 1515 Market Street, we represent consumers across Philadelphia and Pennsylvania.
Frequently asked questions
What does a consumer protection lawyer do?
A consumer protection lawyer helps individuals enforce their rights when companies break the laws meant to protect them — most often the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. That includes fixing credit report errors, challenging background check and screening mistakes, stopping abusive debt collectors, and recovering money for the harm you suffered.
How much does it cost to hire a consumer protection lawyer?
Nothing upfront. The FCRA and FDCPA let a consumer who wins recover attorney's fees from the company that broke the law, so you pay nothing unless we win. Your case review is free.
What laws protect me against credit reporting and debt collection abuses?
Two main federal laws: the Fair Credit Reporting Act (FCRA), which governs credit reports, background checks, and tenant and bank screening; and the Fair Debt Collection Practices Act (FDCPA), which bars abusive, deceptive, and harassing debt-collection practices.
How do I know if I have a case?
If a credit report error, a background check mistake, or a debt collector’s conduct cost you money, a loan, a job, or housing — or simply put you through abuse the law forbids — you may have a claim. The fastest way to find out is a free case review.
Get a No-Cost Evaluation of Your Case Today
Admitted in Pennsylvania and New Jersey; available to appear pro hac vice in other federal courts. You pay nothing unless we win. Find out in minutes whether you have a claim.