Practice Areas
Your Rights. Enforced.
The Chriss Law Firm focuses exclusively on federal consumer protection law — the statutes that give individuals the power to hold credit bureaus, debt collectors, and financial institutions accountable.
Fair Credit Reporting Act (FCRA)
Errors on your credit report can cost you a loan, a job, or an apartment. The FCRA gives you the right to accurate information — and the right to sue when that right is violated.
The Fair Credit Reporting Act governs how credit bureaus, furnishers, and users of credit information handle your data. When they get it wrong — or refuse to fix it — the law provides real remedies.
Get a free case reviewCommon violations we handle
- Inaccurate accounts, balances, or payment history
- Accounts belonging to someone else appearing on your report
- Negative items that should have been removed after seven years
- Failure to investigate a dispute you submitted
- Reinsertion of deleted information without notice
- Identity theft accounts the bureaus refuse to remove
Potential remedies
Statutory damages of $100–$1,000 per violation, actual damages, and attorney's fees paid by the defendant.
Fair Debt Collection Practices Act (FDCPA)
Debt collectors are not allowed to harass, threaten, or deceive you. The FDCPA sets clear limits — and violations entitle you to sue.
The Fair Debt Collection Practices Act prohibits abusive, deceptive, and unfair practices by third-party debt collectors. If a collector has crossed the line, you may have a claim worth pursuing.
Get a free case reviewCommon violations we handle
- Repeated or harassing phone calls
- Calls before 8 AM or after 9 PM
- Threats of arrest or criminal prosecution
- False statements about the amount owed
- Contacting you after a written cease communication request
- Discussing your debt with third parties
Potential remedies
Statutory damages up to $1,000, actual damages, and attorney's fees paid by the collector.
Consumer Protection
Beyond the FCRA and FDCPA, federal and state law protect consumers from a broad range of unfair, deceptive, and abusive practices by financial institutions.
Consumer protection law covers more than credit reports and debt collectors. If a financial institution, lender, or service provider has treated you unfairly or deceptively, there may be a legal remedy available. Georgia consumers may also have additional remedies under state law, including the Georgia Fair Business Practices Act.
Get a free case reviewCommon violations we handle
- Unfair or deceptive practices by financial institutions
- Unauthorized charges or billing errors
- Mixed credit files and identity theft
- Adverse action based on inaccurate information
- Predatory lending practices
- Violations of state consumer protection statutes (Georgia clients)
Potential remedies
Actual damages, statutory damages, and attorney's fees under federal law. Georgia consumers may also be entitled to additional remedies, including treble damages, under state law.
How a Case Works
Free Consultation
We review your situation at no charge. You describe what happened; we assess whether you have a viable claim.
Case Evaluation
We gather your credit reports, correspondence, and any other relevant documents to build a complete picture of the violations.
Demand or Litigation
Depending on the strength of your claim, we may send a demand letter or file suit in federal district court.
Resolution
Most cases resolve through settlement. If necessary, we are prepared to take your case to trial.
No Fee Unless You Recover
The FCRA and FDCPA require defendants to pay your attorney's fees if you prevail. In most cases, we handle consumer protection matters on a contingency basis — meaning you pay nothing upfront and nothing at all unless we recover for you.
Schedule a Free Consultation