Practice Areas
Your Rights. Enforced.
The Chriss Law Firm focuses on consumer protection cases, including the FCRA and FDCPA — the federal statutes that give individuals the power to hold credit bureaus, debt collectors, and financial institutions accountable. The firm also helps consumer with auto disputes under Georgia state law and federal law.
Fair Credit Reporting Act (FCRA)
Denied a job or apartment because of a wrong credit report? Background check showing errors? 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, background check companies, furnishers, and users of credit information handle your data. When they get it wrong — or refuse to fix it — the law provides real remedies. This includes errors that caused you to be denied employment, housing, or credit, as well as debts that are inaccurately described after a bankruptcy discharge.
Get a free case reviewCommon violations we handle
- Denied a job due to a background check error or wrong credit report
- Denied an apartment because of inaccurate credit information
- Credit report not updated after a bankruptcy discharge
- Accounts belonging to someone else appearing on your report
- 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.
Mixed Credit Files & Identity Theft
When your credit file contains someone else's accounts — or an identity thief's debts — both the FCRA and FDCPA may give you the right to sue.
Mixed credit files occur when a credit bureau merges your file with another person's, resulting in accounts, judgments, or derogatory information that doesn't belong to you. Identity theft creates similar problems. Both the FCRA and FDCPA provide remedies when bureaus, furnishers, or collectors fail to correct these errors after you dispute them.
Get a free case reviewCommon violations we handle
- Accounts belonging to a family member or stranger on your report
- Judgments or bankruptcies that are not yours
- Debt collectors pursuing you for someone else's debt
- Bureaus refusing to remove identity theft accounts after dispute
- Adverse action based on a mixed or stolen file
- Collectors contacting you for debts discharged in someone else's bankruptcy
Potential remedies
Statutory damages, actual damages, and attorney's fees under the FCRA and FDCPA — paid by the defendant.
Auto Fraud & Dealer Misconduct
Deceived by a car dealer? Stuck with a loan you didn't agree to? Georgia law and federal consumer protection statutes give you the right to fight back.
Auto dealers and lenders are subject to a web of federal and state consumer protection laws. When a dealer misrepresents a vehicle, manipulates financing terms, or pulls your credit without authorization, you may have claims under the FCRA, the FDCPA, and Georgia's Fair Business Practices Act (FBPA). The Chriss Law Firm represents Georgia consumers who have been deceived, defrauded, or taken advantage of in connection with the purchase, financing, or collection of an auto loan.
Get a free case reviewCommon violations we handle
- Yo-yo financing — dealer calls you back to sign new, worse loan terms after you drove off the lot
- Dealer packed undisclosed fees or add-ons into your financing contract
- Odometer fraud or misrepresentation of a vehicle's condition or history
- Dealer ran your credit without your authorization or after you declined
- Debt collector harassing you over a repossession deficiency balance
- Inaccurate repossession or auto loan reported on your credit after dispute
- Forged or altered financing documents
Potential remedies
Actual damages, statutory damages, and attorney's fees under the FCRA, FDCPA, and Georgia's Fair Business Practices Act — in most cases paid by the defendant.
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 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.