Credit & Debt

Fitzgerald & Campbell is a Consumer Debt Defense Law Firm unlike any other. We provide affordable protection to consumers suffering from debt throughout California and assist them in getting out of debt for as little as possible. We resolve judgments, garnishments, student loan debt (federal & private), collection lawsuits, debt settlement, collection harassment and bankruptcy. We have been practicing law for over 25 years and have helped thousands to become debt free on a basis you can afford. Our motto is Admit Nothing, Demand Proof!

Rashad Blossom believes that all people deserve to be treated with fairness and compassion, especially under the law. He used to work at a large law firm but wanted to be a lawyer for people like his parents and friends who can't afford a big law firm, but still needed quality advice. In matters regarding bankruptcy, debt, and Fair Debt Practices Act, Mr. Blossom is dedicated to getting you back on track. To schedule an initial consultation, please contact Rashad Blossom online, or call 704-256-7766.

Christopher M. Lefebvre, Esq. practices family, bankruptcy and consumer protection law with his father in Pawtucket, Rhode Island. Chris is a member of the debtor/creditor committee of the Rhode Island Bar Association and is a frequent speaker on consumer matters. He was the 1995 recipient of the Rhode Island Bar Association's Pro Bono Publico Award for his commitment to equal access to justice for the poor. To date, his largest case was the Sears bankruptcy class action suit where 190,000 former debtors received restitution in excess of $175 million. Chris received his B.S. from Boston College and his J.D. from Suffolk University Law School.CASES OF INTEREST:Melfi v. WMC Mortgage Corp., 568 F.3d 309 (1st Cir. 2009) : TILA class action case where mortgage company left spaces on model form blank for date of refinancing and date of actual deadline for rescission. District Court held that these technical deficiencies did not violate TILA and First Circuit affirmed. Petition for Rehearing en banc and/or Panel Rehearing filed 6/25/09. If denied, Plaintiff intends to seek a petition for certiorari to the United States Supreme Court.Bonney v. Washington Mutual Bank, 596 F.Supp.2d 173 (D.Mass. 2009): Borrower alleged that mortgage company's failure to include the transaction date on the notices of rescission violated TILA. Although the magistrate judge agreed that such a notice stated a claim, the District Court disagreed and called omitting such information "merely technical."Tenney v. Deutsche Bank Trust Corp., 2009 WL 415510 (D.Mass. 2009): Borrower signed a "Certificate of Confirmation of Notice of Right to Rescind."at the closing which both "confirmed" that he would not exercise his right to rescind and stated that the three business days for rescission had already elapsed, when they had not. District Court held that the Borrower had stated a TILA claim and case would not be dismissed.Deandrade v. Trans Union LLC, 523 F.3d 61 (1st Cir. 2008): Consumer litigation under the Fair Credit Reporting Act (FCRA) regarding the credit bureaus' alleged failure to reinvestigate and delete a disputed debt from consumer's credit report.Megitt v. Indymac Bank, F.S.B., 547 F.Supp.2d 56 (D.Mass. 2008): TILA class action case regarding blank spaces on model form.Dixon v. Calusa Investments, LLC, 554 F.Supp.2d 139, (D.R.I. 2008): Consumer brought a putative class action against a creditor, claiming that it had violated the Fair Credit Reporting Act (FCRA) in sending out various mailers.In re Chiappone, 2007 WL 4178510 (Bankr.D.Conn. 2007): Successful adversary litigation on behalf of non-debtor wife and her divorce attorney regarding non-dischargeability of certain domestic support obligations and related attorney fees arising from Rhode Island Family Court divorce decree.Dixon v. Shamrock Financial Corp., 482 F.Supp.2d 172 (D.Mass.2007): Consumer sued under the Fair Credit Reporting Act (FCRA) for creditor sending solicitation offering free consultation for purposes of, inter alia, restructuring his debt.Sullivan v. Greenwood Credit Union, 499 F.Supp.2d 83 (D.Mass. 2007): Class action on behalf of creditors who received a "pre-approved" letter for a home loan from credit union, claiming that the credit union unlawfully accessed the credit reports of the recipients.Park v. Ford Motor Co., 928 A.2d 469 (R.I. 2007): Consumer class action against truck manufacturer that failed to provide security system listed on window sticker as a standard feature.In re Wilding, 475 F.3d 428 (1st Cir. 2007): Bankruptcy Court and B.A.P. both held that Debtor could not avoid judicial lien that had already been satisfied, but the First Circuit reversed and held that if the lien existed at the filing of the bankruptcy petition and was not satisfied until afterwards the lien could be avoided.Palmer v. Champion Mortg., 465 F.3d 24, (1st Cir. 2006): TILA litigation where borrower alleged notice of rescission was confusing because dates which were completed had already passed by time borrower received notices in mail.In re Montes, 2006 WL 3898386 (Bankr.D.R.I. 2006): On Debtor's Complaint, Banrkuptcy Court held any obligation for car repairs could not be deemed an extension of the original retail installment contract and was merely an unsecured claim discharged in bankruptcyMorrissey v. Webster Bank, N.A., 417 F.Supp.2d 183 (D.Mass. 2006): Consumer who was not customer of bank brought action against bank, challenging adequacy of fee notices posted on automatic teller machines (ATMs) owned by bank under the Electronic Fund Transfer Act.Belini v. Washington Mut. Bank, FA, 412 F.3d 17 (1st Cir. 2005): As matter of first impression, TILA permits damages claim based on lender's alleged failure to respond properly to borrower's notice of rescission.In re Watson, 403 F.3d 1(1st Cir 2005): Litigated to the First Circuit issue of whether or not cost of private school tuition for Chapter 13 debtors' minor children was "reasonably necessary" expense so as to be included in "disposable income" available to debtors for payments under their chapter 13 plan (no longer relevant under BAPCPA).Hoefs v. CACV of Colorado, LLC, 365 F.Supp.2d 69 (D.Mass. 2005): Consumer brought action against collection agency, law firm, and lawyer alleging violations of Fair Debt Collection Practices Act (FDCPA) and state law - arbitration compelled.In re Ladds,2005 WL 1365078 (Bankr.D.R.I. 2005): Bankruptcy Court denied non-debtor spouse's request for abstention to allow litigation regarding litigation against debtor wife regarding non-dischargeability of certain credit card debt to proceed in Rhode Island Family Court.Rodrigues v. Members Mortgage Co., Inc., 323 F.Supp.2d 202 (D.Mass. 2004): TILA class action against mortgage company and lender alleging violation of disclosure requirements in federal Truth in Lending Act (TILA) and Massachusetts Consumer Credit Cost Disclosure Act (CCCDA).Barrett v. Avco Financial Services Management Co., 292 B.R. 1 (D.Mass. 2003): Class action to recover for creditor's alleged practice of attempting to collect discharged prepetition debts pursuant to "reaffirmation agreements" which did not satisfy statutory requirements.Mann v. Chase Manhattan Mortg. Corp., 316 F.3d 1 (1st Cir. 2003): Chapter 13 debtor-mortgagors sued to recover for mortgagee's alleged violations of automatic stay.Arruda v. Sears, Roebuck & Co., 310 F.3d 13 (1st Cir. 2002): Former Chapter 7 debtors brought putative class action against creditor-retailer, its affiliated entity, and retailer's law firm, alleging that defendants violated the Bankruptcy Code, the Fair Debt Collection Practices Act (FDCPA), and/or state law by entering into post-discharge redemption agreements with plaintiffs without bankruptcy court approval.In re Lamanna, 285 B.R. 347 (Bankr.D.R.I. 2002): Litigation regarding dischargeability of student loan obligations where Bankruptcy Court adopted the "hybrid approach" to student loan dischargeability, whereby the undue hardship analysis is applied to a debtor's educational debt on a loan-by-loan basis.In re Singleton, 284 B.R. 322 (D.R.I. 2002): Bankruptcy Court could only certify debtor class from Rhode Island district regarding creditor's alleged violation of discharge injunction in connection with reaffirmation agreements.In re Larocque, 283 B.R. 640 (Bankr.D.R.I. 2002): Bankruptcy court exercised its discretion to deny enforcement of arbitration clause and retained jurisdiction over TILA dispute.In re Mann, 249 B.R. 831, (BAP 1st Cir. 2000): Bankruptcy Appellate Panel affirmed that consumer debtor could "strip off" wholly undersecured second mortgage on residential real property and treat it as unsecured.Conley v. Sears, Roebuck & Co., 222 B.R. 181 (D.Mass. 1998): At the time, the largest class action case in bankruptcy court history, holding Sears liable for obtaining unauthorized reaffirmation agreements from Debtors and failing to file them with various bankruptcy courts.In re Kheng, 202 B.R. 538 (Bkrtcy.D.R.I. 1996): Debtor allowed to "strip off" portion of nonresidential real estate mortgage that was undersecured and continue to pay agreed to monthly mortgage payments for term of note under chapter 13 plan.

Donald L. Bell, born on September 29, 1975, in Montgomery, Alabama, is a dedicated legal professional with a rich background rooted in commitment and service. Raised in Montgomery, Donald completed his secondary education at Carver Sr. High, graduating with top honors which reflected his early dedication to excellence. Inspired by a strong desire to serve his country, Donald enlisted in the United States Marine Corps in August 1993. His service was marked by the fundamental values of honor, courage, and commitment—principles that he embraces and integrates into his legal practice daily. During his time in the military, Donald pursued higher education, first achieving an Associate of Arts degree with honors from Campbell University in North Carolina in 1996. He went on to earn a bachelor's degree from the University of Maryland, furthering his academic portfolio. After six years of distinguished service, Donald was honorably discharged from the Marine Corps. His transition from military to civilian life led him to a pivotal role as a Deputy Clerk at the U.S. Bankruptcy Court. It was here that he developed a deep interest in bankruptcy law, a specialty that would define much of his legal career. Donald's commitment to the legal field propelled him to attend law school at the University of Maryland in Baltimore, where he graduated in May 2003. During his law studies, he gained invaluable experience by working closely with a leading Bankruptcy Trustee in Baltimore City for over two years, enriching his understanding and expertise in the field. Donald is a licensed attorney eligible to practice before the Court of Appeals in Maryland, as well as the Federal District Court and the Maryland Federal Bankruptcy Court. His professional affiliations are extensive, including membership in the American Bar Association, the Maryland State Bar Association, and several other regional bar associations such as the Maryland Federal Bankruptcy Bar Association, the Maryland Consumer Bankruptcy Bar Association, and the Maryland Trial Lawyers Association. Additionally, Donald is actively involved with the Prince George's County Bar Association, Howard County Bar Association, Montgomery County Bar Association, and J. Franklyn Bourne Bar Association. Throughout his career, Donald has consistently demonstrated a dedication to providing thoughtful and effective legal counsel, guided by the enduring values he developed early in his life and during his time in the armed forces. His approach to law integrates rigorous legal acumen with a commitment to serve his clients with integrity and respect.

Daniel Schlanger is a partner at Kakalec & Schlanger, LLP, where he heads the firm's consumer practice. His practice focuses on representing victims of unfair collection tactics, predatory lending, hidden fees, auto fraud, defective products, and other marketplace injustice. The firm brings affirmative litigation (including class actions and significant individual claims) on behalf of consumers and also regularly represents consumers who have been sued on significant debts, including credit card debt, medical debt, auto loans, home loans, lines of credit, personal guarantees, etc. Dan joined Kakalec & Schlanger, LLP's predecessor firm (Schlanger & Schlanger) in 2007 after working as a staff attorney at Legal Aid Society of Cleveland, where he was a member of that organization’s consumer law unit, and helped to found a program focused on wage and hour litigation on behalf of low-income workers. Prior to that, Dan clerked for the Hon. R. Lanier Anderson, III on the United States Court of Appeals, 11th Circuit. Dan received his law degree from Harvard Law School, cum laude, in 2004. He received his undergraduate degree from Carleton College, magna cum laude, in 1994.

Over 50 Years of Combined Legal Experience! Experienced Illinois Bankruptcy Law AttorneysAre your financial problems forcing you to consider bankruptcy?Are you overwhelmed by debt? You are not alone. Most people work hard to pay their bills. Unfortunately, medical bills, divorce, mortgage or credit card rate increases, and other expenses can cause debt to grow until it is out of control. The stress caused by debt can often be overwhelming affecting your family, friends and relationships. Many times, bankruptcy is the answer. Sometimes there are other options.At Bankruptcy Counselors LTD. and The Law Offices of John J. Lynch, our attorneys have more than 35 years of combined experience helping people in Lisle and the surrounding parts of Illinois, including Aurora and throughout DuPage County.We are available to handle all matters related regarding general bankruptcy issues, including both debt relief for individuals and debt relief for small businesses. Our lawyers can provide guidance on Chapter 7 bankruptcy, as well as Chapter 13 bankruptcy.We can help you understand and even prevent debt through our debt counseling and debt management services. We can provide foreclosure defense to people who have been threatened with the loss of their home. Additionally, we can help you understand the relationship between real estate and bankruptcy filing.We are a firm that is focused on working with our clients individually. Our attorneys will get to know you and your situation. We realize that each client is unique and each case has specific issues that we will take into account. The legal guidance we provide will be custom designed to meet your needs.We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Attorney Chance McGhee is a highly respected bankruptcy attorney in the San Antonio area and beyond. He served as the past Treasurer and is currently a Director of the San Antonio Bankruptcy Bar Association. He is a member of the Federal Bar Association and licensed to practice Federal Bankruptcy Courts in the Western, Southern and Northern Districts of Texas. He obtained his Doctor of Jurisprudence degree from St. Mary’s University School of Law in 1994. With an undergraduate degree from University of Texas in Austin in Management/Accounting which he obtained in 3 ½ years from 1984-1987, Mr. McGhee is skilled in analyzing financial documents and understanding debt situations. He uses his background and knowledge to recommend the best course for his clients whether it is Chapter 7 bankruptcy, Chapter 13 bankruptcy, or something else. To schedule a free consultation with Attorney McGhee, visit his website or call 210-342-3400.

We give you the leverage you need to make sound decisions when disputes rise to the level of litigation. By quickly and aggressively advancing your interests, we efficiently and effectively move cases toward conclusion, whether by pre-trial settlement, alternative dispute resolution, pre-trial judgment, or trial. Every minute and dime you spend on litigation is time and money taken away from what's important to you. Therefore, we actively prosecute your claims and defenses so that you can focus on what's most important to you.

Hope Blocton, Esquire is a dedicated attorney serving clients throughout Maryland, Washington, D.C., and Michigan. A native of River Rouge, Michigan, she earned her undergraduate degree from Michigan State University before obtaining her Juris Doctor from Western Michigan University, where she graduated Cum Laude with a concentration in litigation. With more than seven years of legal experience, Ms. Blocton has built a reputation for providing thoughtful, effective representation to individuals and families across the communities she serves. Through her practice, Bloc One Services, LLC, she continues to deliver high-quality legal services grounded in professionalism, integrity, and a strong commitment to access and fairness. The firm has been recognized for maintaining high standards of legal achievement while ensuring that services remain accessible and reasonably priced. Ms. Blocton handles a broad range of legal matters, including bankruptcy, real estate transactions, family law and divorce, as well as civil and business litigation. Her practice reflects a deep understanding of both the legal and personal complexities her clients face, and she works diligently to provide clear, strategic guidance throughout every stage of the legal process. To schedule your free consultation today, call 240-200-0076 or fill out our contact form online.

We focus our practice exclusively on consumer protection and class action law. We work on behalf of consumers whose rights had been violated by advertisers, banks and other lenders, auto dealers, credit bureaus, debt collectors and landlords. Consumer protection laws are designed to protect consumers like you from predatory lenders, overzealous debt collectors, careless credit bureaus and other harmful business practices. At our firm, we work to enforce existing consumer protection statutes to resolve consumer problems with: Unfair collection practices/debt collection harassment Unwanted telemarketing calls (robocalls) and spam texts Junk faxes Identity theft Credit reporting problems Mortgage problems