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Consumer Law

Nashville Consumer Lawyer

I have extensive experience in Nashville and Middle Tennessee in representing consumers and debtors against collection and mortgage companies violating federal and state consumer laws. Consumer claims can be filed in state or federal court, and even by debtors in bankruptcy court.

Fix your credit report

Using the Fair Credit Reporting Act (FCRA) is the most effective way a consumer can force a creditor or credit reporting agency to correct his or her credit report by removing or changing information that is not accurate. The FCRA forces creditors and the credit reporting agencies (Experian, Equifax, Transunion) to respond to your credit disputes with a duty of care by conducting a reasonable investigation. Failure to fix errors after the formal dispute process subjects creditors and agencies to civil liability for damages under federal law. The Law Office of Charles W. Faquin, PLC will guide you through the formal dispute process, monitor the progress, and (if need be) file a lawsuit on your behalf to enforce your rights. Pull your credit reports today and check for accuracy ( .

Stop harassment from Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) protects debtors from abusive conduct by debt collectors or from creditors that believe incorrectly that a debt is in default. We will utilize the FDCPA as a shield against these predatory debt buyers to verify that the debt is yours and stop the collection calls. If the FDCPA has been violated, we can use the Act as a sword by filing a complaint against your debt collectors in a court of law.

Mortgage Issues & Mortgage Servicer Abuses

The Real Estate Settlement and Procedures Act (RESPA) protects homeowners from predatory lending and wrongful servicing practices by mortgage servicers. RESPA is a federal body of law that created the “qualified written request,” which is a tool for homeowners to fix mortgage servicing issues. Mortgage servicers that do not properly respond to QWR’s face civil liability under federal law. Contact the Law Office of Charles W. Faquin, PLC for assistance with your mortgage issues.