Cream skimming NACA “consumer advocate” FCRA attorney - $200 review fee
Most attorneys representing consumers join the the National Association of Consumer Advocates to assist with cream skimming for the most lucrative cases. I have posted previously about my futile attempts to communicate with NACA. Well, I communicated all right, just never got a response. The recently redesigned NACA site states:
“Consumer Resources - Know Your Rights!”
Yeah, the right to PAY “consumer advocate” attorneys who value their working relationships with the CRAs’ lawyers more than seeking justice for consumers.
However, since I have another client with incorrect verifications by the CRAs, I recommended contacting NACA attorneys since I don’t have the time to volunteer to help her sue pro se. And you never know, not ALL lawyers suck.
Here’s the response my client got from a NACA attorney:
FCRA cases can be very complicated. There are many traps to fall into and what looks like a good case may not necessarily be a good case. Frequently, the case has potential, but more needs to be done to work it up. Credit Reporting Agencies have attorneys who specialize in defending these actions. Every case has to be a good case and worked up properly to be successful.
I will review what you have for a one hour fee, which is $200. From there, if you have a good case or the potential for a good case, I may be willing to take it without charging you fees for the potential recovery from the creditor or credit reporting agency.
I want to caution you it is unlikely I would take on cases against all four agencies at the same time on a contingency basis unless these are all unbelievably good cases.
...
I don’t know why he’s talking about “all four agencies”, maybe he meant the creditor and the 3 bureaus.
So what exactly are the consumers’ rights?
To pay a “consumer advocate” attorney $200 for an hour to review the case.
This is what my book will be about, documenting the “consumer advocate” scams, the systemic exploitation of consumers with credit issues, not only by the creditors, but by the lawyers and organizations who claim to be “consumer advocates.”
And that’s why we need to get rid of the laws prohibiting the practice of law without license.
Consumers need to be allowed to assist each other for a FEE. I could write up the entire complaint for my client for the $200 that this MORON “advocate” attorney wants for a review (resulting most likely in a DECLINE to take the case)—but if I did that, I’d commit a felony. And I can’t do it free of charge, I have NO spare time.
This URL sent to NACA’s Ira Rheingold, Executive Director and General Counsel. I’ve never received a reply from him, but want to ensure they can’t claim that they don’t know about their attorneys’ conduct.
Posted by Christine on 04/10/2007 at 10:53 AM
2003 Suit (appealed, Experian filed credit reports on PACER) • Legal • NACA - Consumer Lawyers EXPOSED • (2) Comments • Permalink
So wait, we need to have consumers helping other consumers in complicated legal matters for a fee? Whenever I undertake a complicated matter, its worth it to speak to an attorney since they know what they are doing and aren’t just taking “shots in the dark” and hoping a company will settle. I wouldn’t ask another patient for help me self administer a surgical procedure.
Remember the last lawsuit that was filed and your SSN was plastered all over PACER – I’m sure an attorney could have forseen that possibility, explained the risk to you, and helped you avoid it. I’m really losing faith in other consumers and am going to be turning to a professional (besides Lexington Law) for help.
$200 for an attorney is a generous price. Perhaps if you knew what you were doing, your help could command that fee. Pro Se plaintiffs don’t get $100K judgments from collectors.
Wow, your legal experiences are TOTALLY different from mine!
You may recall that I filed MY suit about the Cap One credit limits in 2003. The attorneys filed THEIR suits in 2006. Why do you think that is?
And for the record, I have had only ONE client who retained an attorney on contingency and it turned into a NIGHTMARE, see Krohn & Moss at faircreditlawyers.com
And that’s only one out of at least 20 attorneys who royally screwed their consumer clients. I continually get email from consumers who are either nervous wrecks or ready to sue their attorneys for malpractice. I have followed litigation of some of the “nationally renowned” consumer attorneys and one attorney even testified AGAINST his consumer client to have a lousy $2,000 settlement with Equifax enforced that the client never approved. THAT is the scary reality.
On the other hand, I know of literally hundreds (maybe thousands) of consumers who got their checks and they got MORE pro se than if they had an attorney.
Consumers should NOT assist consumers.
LIGITANTS should assist each other and experiended litigants should get paid.
Louis Lilakos PREVAILED on appeal and got the Pressler & Pressler judgment vacated, see http://creditlitigation.org/
If he had retained an attorney to do this for him, it would have cost him at least $10K. How many people with bad credit can afford that?
“Remember the last lawsuit that was filed and your SSN was plastered all over PACER – I’m sure an attorney could have forseen that possibility, explained the risk to you, and helped you avoid it.”
And exactly WHY are you so sure of that?
Of course judge Broomfield would NOT have tried to destroy my life if my attorney had “explained the risk” and talked me into another secret settlement.
How stupid can you be?
You don’t seem to realize what’s going on here at all.
I can’t even begin to estimate how many consumers’ SSNs and unredacted credit reports I’ve downloaded from PACER.
I tried everything I could think of to get judge Broomfield to at least redact data as required by the court’s rules, other consumers’ attorneys didn’t even TRY to get them deleted.
As a matter of fact, many of these credit reports were actually FILED by the consumer attorneys!
And the credit reports are only starters. I have depositions of doctors about the plaintiffs that made my head spin.
The only reason I do NOT post the names of the attorneys and the cases is to avoid further damages and embarrassment to the plaintiffs and well, I’m glad for any attorney who actually litigates and gets jury verdicts.
“Perhaps if you knew what you were doing, your help could command that fee.”
Who the hell are you to evaluate whether I know what I’m doing?
You failed to tell me what I SHOULD have done and I’ll really appreciate it if you could just tell me what I did wrong.
I still don’t know, so, thanks in advance!
Millions of consumers will appreciate your advice on how to prevent the posting of personal data on PACER.
You obviously are completely ignorant about consumer litigation, but PLEASE do post the contact info for the attorneys that actually provide useful advice for $200.
I will be thrilled to have someone to refer my clients to.
Of course it’s better to have a good attorney than being pro se, but unfortunately chances of finding one are less than .01%.
And of course I realize that if I didn’t PUBLIZICE my litigation and I settled with CONFIDENTIALITY agreement like the lawyers, I’d get a lot more checks too.
“Pro Se plaintiffs don’t get $100K judgments from collectors.”
How many $100,000 judgments can you post?
DUH!
As so often, the people who think they’re so smart are the most ignorant.
