Over the course of my two decade legal career, I have acted as legal counsel in hundreds of cases and disputes or various types, ranging from simple breach of contract actions in Small Claims Court, to multi-party actions in Superior Court to complex Class Actions in Federal Court. Currently, my practice is primarily devoted to Construction/Real Estate law and litigation (e.g. liens, breach of contract and related claims/disputes between businesses as well as consumers) and Consumer Rights/Credit litigation (e.g. Truth in Lending Act, Fair Debt Collection Practices Act).
In 2010, I immersed myself in the law pertaining specifically to home loan modifications, particularly with respect to homeowners/consumers who are experiencing problems completing the process, holding the banks/lenders to the offered modifications and the terms thereunder as well as related credit reporting issues.
For example, I had a client who sought and was granted a permanent modification by Bank of America. She had NEVER missed a payment during the entire history of her loan, but for reasons related to employment and income hardships, sought a modification. However, once the client's modification was approved, the bank began placing her monthly payments into a "hold" account, without her consent. At the same time, they were reporting inaccurate derogatory payment related information to the Credit Reporting Agencies (CRAs). As a result, my client's credit score was substantially lowered, and other lenders lowered her credit card limits and interest rates on student loans were increased - all as a result of wrongful and unlawful credit reporting. As you might expect, despite numerous letters to both the CRAs and the bank from my client and me, and notwithstanding written promises to ensure the correction of such erroneous information, the situation remained unchanged. Through litigation we were able to achieve a large settlement for my client.
The first few years of my law career was devoted to the practice of automobile Insurance Defense [for State Farm insureds](and the next couple of years to products and premises liability defense work), and I have substantial experience in various other areas of law pertaining to insurance, such as health insurance, subrogation, UM, coverage disputes, first and third-party claims, etc
Other Activities & Interests
On a non-professional level, I devote a significant portion of my free time to road cycling, and over the past five years or so I have become an avid recreational/competitive rider and occasionally participate in bicycle races throughout the state. I hold a Category 4 USCA Road Cycling License, with a 2008 ranking of No. 67 in the state in my age group. I am a Member of both the North Georgia Cycling Association and Dunwoody Cycling and frequently attend various Group Rides around the state.
I also follow tennis very closely, and play occasionally if I have the time and energy when not cycling. I'm also an avid backpacker and have hiked the entire Georgia section of the Appalachian Trail as well as many sections in other states and numerous other trails around the SE (e.g. Benton MacKaye Trail, etc.).
I have two pugs, and I am a zealous advocate of animal rights and environmental causes.
I am a current or former member of the following organizations:
If applicable, you understand and agree that neither I nor my firm perform, nor have or do we hold ourselves out as performing, "credit repair" services as such term is defined under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.)[or any other related state or federal law or rule]. Thus, while the end result of certain of my legal services may result in the improvement of one's credit or credit score, to the extent I am engaged by a client to help him or her with any matter that involves the FCRA or other aspects of consumer credit, my services are limited to assisting with legitimate problems or disputes about erroneous or inaccurate information [i.e. reported with "less than maximum accuracy" as defined by the FCRA and caselaw] and, as with all other aspects of my practice, I do not and cannot promise a particular or favorable outcome. Furthermore, if and when I am retained to represent a client in conjunction with a disputed/inaccurate credit related matter [whether exclusively or along with other legal issues], the scope of my representation is not limited solely to or with a view towards "credit improvement". Rather, such matters comprise only a part of the overall scope of my representation. In addition, neither I nor my office is a "mortgage loan originator" or lender as defined by either the GA Residential Mortgage Act [e.g. O.C.G.A. § 7-1-1000 et seq.] and or the Federal S.A.F.E. Act [Mortgage Licensing Act of 2008] and any mortgage or loan related services provided by me or my firm are or would be ancillary to the representation of the client and or otherwise exempt from the purview of same. Finally, neither I, my office nor the facsimile or telephone number(s) listed herein - or contained in any documents or links included or posted on this website - accept any commercial or advertising communications of any kind, which is strictly prohibited, and any provision or inclusion thereof; is not intended as a waiver of any protections granted by the TCPA, JFPA, CAN-SPAM Act(s) or any other applicable laws & and shall not create or give rise to a "business relationship".