Please note: This page is currently being revised and expanded. In the meantime, please review Mr. Grumet's attorney profile at Avvo.com.
In addition to the other consumer credit statutes referenced elsewhere on the site [FCRA, FDCPA, etc.], Mr. Grumet has litigated numerous cases pertaining to the Dodd-Frank Wall Street Reform and Consumer Protection Act, Truth in Lending Act (TILA), Regulation Z, Fair Credit Billing Act (FCBA), Fair Leasing Act, Regulation M, and other consumer credit and related statutes, arising under both federal and Georgia state law [e.g. the Georgia Fair Lending, Fair Business Practices, Unfair and Deceptive Trade Practices Acts, etc.]. Many of his cases have involved residential home purchases and disputes with lenders about the various disclosures (for example, Good Faith Estimates) required in connection with such transactions, etc.
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".