Credit Defense Attorneys, PLLC - Louisville, KY

Protecting Consumers from Debt Collectors

Credit Defense Attorneys, PLLC is a specialized law firm based in St. Matthews, dedicated exclusively to fighting for the rights of consumers. The firm is led by experienced attorneys James McKenzie and James Lawson, who have made it their mission to stand up against abusive debt collectors and credit reporting agencies. They understand that good people often fall into financial difficulty due to unforeseen circumstances, and they believe that no one deserves to be harassed, threatened, or sued for debts they may not even owe. Unlike bankruptcy firms that simply seek to discharge debt, Credit Defense Attorneys actively litigates against debt buyers like Midland Funding, Portfolio Recovery, and LVNV Funding, often turning the tables to recover money for their clients.

FDCPA and FCRA Litigation

The firm's practice is laser-focused on Consumer Protection laws. They are experts in the Fair Debt Collection Practices Act (FDCPA), defending clients against harassment, robocalls, and illegal collection tactics. If a debt collector violates the law, the firm sues them to stop the abuse and obtain statutory damages. They also handle cases under the Fair Credit Reporting Act (FCRA), working to fix errors on credit reports that can ruin a client's financial score. This includes removing zombie debts, correcting mixed files, and disputing false information.

No-Cost Defense for Consumers

One of the most unique aspects of Credit Defense Attorneys, PLLC is their fee structure. In many cases, they represent clients at no out-of-pocket cost because federal consumer laws require the offending debt collectors to pay the consumer's attorney fees. This allows everyday people to access high-quality legal representation that would otherwise be unaffordable. The attorneys have a track record of success in both state and federal courts, including the Kentucky Supreme Court, establishing important precedents that protect all Kentucky consumers. Whether defending a lawsuit for an old credit card debt or stopping relentless junk calls, the firm provides aggressive and effective advocacy.