Debt collection. Credit Report errors. Repossession.

Consumer Law.
I.D. Theft victim - Credit Report errors - Debt Collection Law - Prerecorded Creditor Calls - Wrongful Repossession
and Credit Repair/Debt Consolidation Fraud
LEE LEGAL CLINIC PC
Richard A. Lee, Attorney
404. 288.4444
DeKalb office: I-285/Covington Hwy exit 43 Rockdale office: I-20/Salem Rd exit 84
Pull your free credit report, rent history, checking or employment background reports. (click)

Our Firm and Consumer Protection Laws

Lee Legal Clinic, PC was founded in 1979 by Richard A. Lee. Lee Legal practices consumer law which involves consumer rights and remedies, credit report errors, ID theft, debt relief, debt collection law defense, stay injunction violations, bankruptcy and pretty much anything that touches a person's financial life. Take a quick look at the below list of the areas we practice and call us if you believe someone has violated your consumer rights.

Common consumer law violations:
• ID theft issues on a credit report require that both the credit reporting agency and the creditor investigate the problem after you alert them. Also, certain information must be blocked from other creditors. Credit reporting agencies and creditors who ignore ID theft disputes can find themselves paying damages to the consumer. ID theft can happen to adults or children. The thieves don't care, and apparently neither do the credit report agencies or the creditors.
• Credit report errors such as old data, another person's data, credit inquiries without your knowledge, etc... can cause you more of a problem than the credit industry would have you believe. Federal consumer law requires that credit report errors be investigated and corrected. Credit report errors can cause higher interest, credit denial, apartment denial and even job denial. If credit report errors are not timely corrected the credit agency and creditor can wind up paying the consumer damages.
• After a creditor sells a repossessed vehicle they must send the consumer an 'explanation letter' disclosing the balance. Hidden charges are common and illegal. Often the creditor will not the send the letter and go straight to collection, which is also illegal.
• Prerecorded collection calls to a cell phone. Never delete these type of calls from your cell - keep them for proof. Prerecorded collection calls can result in damages of $500 to $1500 per call. These call are a violation of the TCPA (telephone protection act).
• Attempts to collect a debt that has not been paid on for over 6 years can violate collection laws.
• Credit Repair/Debt Consolidation schemes. If you have been mislead about credit repair, a better credit report or increaseing your credit rating by anyone (credit repair or debt repayment specialist, or even a car salesman) you may have an action under the Credit Repair Organizations Act.
• Ever heard of UDAP or UDAP elder. These are Georgia consumer laws which apply to unfair and deceptive acts and practices. UDAP is used against creditors and collectors for car fraud, improper debt collection, sales fraud, etc... UDAP elder law applies to any person who is disabled or at least 60 years of age.


Our attorney fees on most consumer cases are based on a percentage of what we recover for our client. The average person doesn't always have upfront attorney fees to retain the services of an attorney and fight back against consumer fraud, credit report errors or ID theft, and unfair credit or collection treatment.
Consumer law violations can result in a settlement with the creditor for damages, cancellation of the debt, cancellation of a sales contract, credit report corrections, and/or a court award for damages and attorney fees. If your consumer rights have been violated you may have legal recourse against the offending company. Call us for a free consultation.
Collection suit defense: We also defend consumers who have been sued and have decided to fight the law suit. We charge a flat fee that we determine after discussing the suit with you. The consultation is free. Call us.

You are entitled to one free report every 12 months from any reporting agency that keeps data on you. Click the below sites.
Equifax, TransUnion and Experian. Free credit report.
The "Other" agencies: rent, checking and employment reports. Free reports.

Ph 404. 288.4444     Fax 404. 288.4446    email: llc@leelegal.com
DeKalb office: No appointment required
4393 Covington Hwy, Decatur, GA 30035 2 blocks from I-285 / Covington Hwy . Exit 43.
Rockdale office: Must have an appointment.
2385 Wall Street, Conyers, GA 30013       3 blocks from I-20 / Salem Road Exit 84.

Consumer laws: FDCPA, FCRA, TCPA, UCC Article 9, Georgia UDAP, elder UDAP, TILA, Debt Collection law, CROA.

Reporting agencies that keep rent, checking and employment information on you:
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A-Check
Employment background and screening.
http://www.acheckamerica.com

Avantus
Specialty data provider. Focusing heavily on providing tri-merge and custom reports to the mortgage industry.
http://www.avantus.com

Axiom Screening
Maintains and provides employment background checks, maintains database of drug screens, resident screening, driving records.
https://www.axiomscreeningsolutions.com

ChexSystems
Provides data on check writing consumers. Used to obtain instant approval or denial of check cashing. Keeps track of checking account history.
https://www.consumerdebit.com

Corelogic
Maintains landlord/tenant database, credit histories, mortgage and rent payment behavior.
http://www.corelogic.com

HireRight
Provides performance and driver history on the trucking industry, primarily drivers. The reports are referred to DAC reports. Also provides other background data.
http://www.hireright.com

Kroll Factual Data
Specialty data provider. One of several 'national specialty' credit reporting bureaus. Major seller/buyer of data from another credit bureau's database. Maintains consumer files on credit history, provides employment screening.
http://www.kroll.com/krollfactualdata

LexisNexis
Provides landlord/tenant data, summarizes the big three into one tri-merge report for the mortgage industry, maintains a "members only" nationwide employment database known as the "Esteem Report". Also a major player in the resident screening industry.
https://resident.lexisnexis.com

National Insurance Crime Bureau
Maintains a database on auto theft, boat theft, cargo theft, personal injury fraud, worker's comp fraud, auto damage/wreck data. Used heavily by the insurance industry.
https://www.nicb.org

National Retail Mutual Association
Maintains database for employers. Database stores employee theft, shoplifting, internal employee theft. Only open to member retailers.
http://www.theftdatabase.com

residentcheck.com
Maintains landlord/tenant database. Used by apartment complexes to check prior rent history. Also maintains criminal histories for employment screening.
http://www.residentcheck.com

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Credit report errors, ID theft, debt collection, repo, credit repair or debt consolidation scams, prerecorded calls. Consumer protection laws give you a lot of rights. You should use them.

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Lee Legal Clinic PC 404. 288.4444 DeKalb and Rockdale County

Richard A. Lee is licensed to practice law in the State of Georgia. Lee Legal Clinic PC ("Lee Legal") and Richard A. Lee practice consumer law which involves collection defense, fair debt collection practices act, fair credit reporting act, bankruptcy Chapter 7 and Chapter 13. Lee Legal serves Georgia areas DeKalb County and Decatur, Stone Mountain, Conyers, Rockdale, Covington, Newton area. Any information contained or shown in/on this website, or referred to, is for general information purposes only and is not intended as legal advice to any person. This website is not fact specific to any persons consumer rights situation and all persons reviewing this website should seek specific legal advice about their consumer rights or other legal issues as needed. The leelegal.com website does not create an attorney-client relationship.
Emails to and from Lee Legal, or any other form of communication, are not an offer legal representation. Further, emails and faxes may not be reviewed the same day they are received. Nothing in this site should be construed as portraying that this office and its attorneys have more legal skill or knowledge than other attorneys. When we discuss or practice bankruptcy law we are acting under federal bankruptcy law as a debt relief agency filing bankruptcy for individuals under the Bankruptcy Code.

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Credit report errors, ID theft, debt collection, repo, credit repair or debt consolidation scams, prerecorded calls. Consumer protection laws give you a lot of rights. You should use them.