My experience with this firm, and specifically with Ms. D. Perez, was extremely disappointing. In my personal opinion, she did not review my case or evidence carefully. I submitted certified-mail receipts, timelines, CFPB documents, and call transcripts showing multiple FDCPA/FCRA issues with the collector, yet she still advised me to call the collection agency again -- even though doing so can harm a consumer under the FDCPA and may reset certain timelines.
She also told me my credit report was "accurate," even though the collector (in my view) committed multiple violations, including:
* reporting two different balances,
* failing to validate the debt (§1692g),
* reporting during an active dispute (§1692g(b)),
* failing to mark the debt as disputed (FCRA §1681s-2(a)(3)),
* furnishing inaccurate/incomplete information (FCRA §1681e(b)),
* misrepresenting the status/amount of the debt (§1692e), and
* sending redacted, unverifiable "manual adjustment" documents instead of proper validation.
I also requested multiple times -- by email and text -- to escalate my case or have an attorney review it. My requests were ignored, and I never received communication from a licensed attorney. As a disabled veteran and a parent to a medically fragile child, I reached out for real legal support and instead felt dismissed and unsupported.
Based on my experience, I cannot recommend this firm for anyone seeking knowledgeable or thorough FCRA/FDCPA guidance. read more