Tuesday, September 13, 2005
MyFairCredit.com is cream skimming for corrupt consumer lawyers
You may recall my recent posting about MyFairCredit.com
On 8/22/05 I sent my request for representation to Hyung S. Choi. His resume is quite impressive.
On 8/27/05, I sent the email again. Since I still didn’t have a response, I finally called Mr. Choi today to inquire whether no response means “not interested.” He promptly called me back.
Unfortunately, I can now tell you with certainty that the CONSUMER lawyers are the problem, not the CRAs, banks and creditors.
I told him about my cases and nothing sounded familiar to him, he said he gets a lot of e-mail. I then told him about my websites, he remembered having been to my now closed creditforum.org years ago, but he had no idea what I’ve been doing. So I gave him this URL, and it didn’t take long until he told me that there was no way that he would represent me because I filed the AZ Bar Complaint (currently still prominently linked to your left) about the lying scum sucking bottom feeding Capital One attorneys Joseph Udall, Kathleen A Biesterveld and Kevin D Quigley.
Mr. Choi said he knows them and I hope this is a fairly accurate quote: “A federal judge would not look kindly on someone who filed a Bar complaint.”
I asked Mr. Choi several times to e-mail for posting here why he won’t represent me and he declined to do so. I told him how I hate to have to read between the lines ... he refused and told me that I could publish whatever I want.
Is Mr. Choi saying that his reputation would suffer and the judges would rule against him if he decided to represent a consumer who got tired of the lies and perjury and filed a Bar complaint?
I talk about corruption a lot, but I really didn’t think that FEDERAL JUDGES are that CORRUPT!
Of course I know about Cybil Edwards (did I spell the name wrong, where are the sites about her case?) and many of these political cases where people got railroaded. But, my suits are about very basic credit reporting issues, not at all important to national security or politics. Right?
I obviously don’t know whether Mr. Choi’s concerns about the federal judges are correct—and I have no way to find out whether his career would really be over or seriously damaged if he represented me.
However, once again, just follow the money:
Who writes Mr. Choi’s and every other consumer lawyer’s paychecks?
Experian, Trans Union, Equifax, Capital One, .....
So, I think the real reason is that Mr. Choi doesn’t want to strain his “working relationship” with scum like Udall, Biesterveld and Quigley. I’m sure they would be very upset if he *sincerely* represented me, although they are not party to my 1st case and I wasn’t even looking for an attorney for the case with Cap One right now. (See my e-mail to attorney Choi below.)
By “sincerely” I mean immediately getting a preliminary injunction requiring that Capital One report the credit limits on MY reports.
Why is Capital One still refusing to report the limits after 2.5 years of litigation?
BECAUSE THEY CAN.
My Demand for a new FFIEC Advisory Letter Requiring the Reporting of Credit Card LIMITS to CRAs
I read Hyung Choi’s bio, interesting cases, but Capital One isn’t mentioned. Neither are the credit bureaus. They are the consumer lawyers’ goldmine.
Every secret settlement is another fat paycheck.
And through the SECRET settlements, the consumer lawyers ensure that they get to file the exact same suits again and again and again—they just change the plaintiff’s name and maybe a few specifics.
There is really NO reason for Capital One not to be reporting the credit limits. The FRCA is so clear cut, requiring creditors to report “complete and accurate.”
Yet, the lawyers do nothing - except for arranging secret deals.
The Braun Law Group has a class action against Cap One regarding the limits. I’ve asked for the case # so I could get the filings through PACER, thought that might help me. I got nothing.
I’ve had a lot of bad things to say about class action lawyers lately, you may have read my recent posting:
The WORST class settlement EVER was negotiated by Lewis Stephen Kahn, Kahn Gauthier Law Group
And here’s some more on secret settlements:
The Ameriquest offer and why confidential settlements suck
Not ALL lawyers suck. I know a couple lawyers who really cared about representing people for what’s RIGHT—seeking JUSTICE—not just for a paycheck. One of them quit out of frustration, after struggling to get through law school as a single mom. One didn’t make it - but might be back. Probably transformed and part of the system - and as corrupt as almost all are in the consumer credit reporting scene.
Recently a lawyer contacted me about the reporting of judgments that are paid in a timely manner.
Why does exercising your right to seek justice in court mean that your credit has to be destroyed even if you pay the judgment right away?
So, not all lawyers suck, just most and especially the ones that have the skills and power to make a difference, but choose to go cream skimming instead.
I’ve seen so many consumers get screwed by their lawyers.
In one case a nationally known FCRA attorney settled for a few thousand (mostly his legal fees) without his client’s permission and then testified on behalf of Equifax to enforce the settlement. I promised the consumer confidentiality, so I’m not going to post who that asshole is. The judge ruled in favor of the consumer.
According to the reader feedback I get, most cases are settled for deletion and maybe a few hundred or thousand dollars. In almost all cases the attorney fees are much higher than the consumer’s share. And those are the lucky readers, at least 99% never find an attorney to take their case on contingency.
I don’t think that any reader has ever submitted a judgment or a settlement for posting UNLESS the consumer litigated pro se.
There are three types of lawyers:
1) They specialize in FCRA/FDCPA cases—some good lawyers and some who fake it, mostly cream skimming.
2) The lawyers who take your retainer, they don’t know shit and just rip you off. A great way to find those is to join Prepaid Legal. Yes. I got that desperate and that’ll be a separate posting.
3) Lawyers who are your personal friends or relatives, don’t know anything about credit, but are willing to learn and to write a letter. That’s often a consumer’s best chance of at least getting the credit reports corrected.
I’ve got great documentation and I haven’t lied to the court or submitted false disputes to the CRAs. I did nothing wrong - other than to stand up for my rights and to publish what’s really going on in the legal profession and in the courts. I didn’t expect any attorney to take my case, they didn’t want it 3 years ago. But, I had an obligation to see what MyFairCredit is all about and I don’t want to be an armchair quarterback. So, now I know, and you know.
A reader’s MyFairCredit experience:
She wasted her time and money to go to an appointment “downtown”, only to be told that she has no recourse against AmEx due to the incorrect reporting of a business account.
What a freaking idiot - licensed to practice law. The attorney told the reader that as a business owner, the consumer was supposed to be more sophisticated and that AmEx is excluded from the FCRA when reporting business accounts. It’s hard to believe a lawyer would say something so stupid.
In an interview about nano tech and amazing stuff in development, including not having to sleep anymore, Joel Garreau just said on the radio:
“… or lawyers who don’t sleep anymore, what a horrifying thought that is.”
Maybe a bunch of lawyers are already in a pilot study ... that sure would explain a lot.
EVERY account reported on a consumer credit report is covered by the FCRA.
Now that I think about it, no lawyer could be so stupid. The lawyer probably didn’t think there was enough money in the case and just said that to get rid of the consumer, maybe she’s the wrong color or wasn’t dressed well and didn’t appear very damageable. Not worth the effort.
I wish people would just come forward and post names. Americans are so afraid .... and as my own experiences show, rightfully so.
Summary:
MyFairCredit is cream skimming for “sexy” cases.
If you have damages due to ID theft, preferably documented by mortgage declines and even better, the loss of your house, you have large medical bills, Prozac or Valium prescriptions, your psychiatrist will testify about your suffering and mental anguish, and no PRIOR medical problems—you’ll have attorneys lining up.
MyFairCredit is the equivalent of the mortgage fax with nothing but false advertisements
I’ve lost my respect for NACA too. Nothing but another organization to help lawyers exploit consumers. I’ve reposted some of their calls for action, regarding the bankruptcy reform and mandatory arbitration. It’s all so freaking lame. And obviously NOT working!
Not one of those damned lawyers has made a difference. Not to my credit rating, and not to yours.
They’re in it for their bank accounts, and let’s face it, that’s what good Americans are supposed to do. I’m by no means expecting lawyers to work for free, heck, the more they can take from the CRAs and creditors, the better. But they have NOT even made an effort to change things. So many lawyers have personally contacted me over the years and assured me how sincere they are. And I’ve waited and waited and waited for *something* good to happen.
The Chase release was viewed 127,674 times in the first 2 weeks through just one outlet. I have no idea how many times it was accessed at the various sites where it’s reposted, but obviously there’s a tremendous interest. It takes a PRO SE litigant to come forward, to document the totally illegal Chase rate increases and the Chase contempt for its customers:
The Target release is next and this posting is an outline for my release on so-called consumer lawyers. As always, I strive for accuracy and I’d sure like to see what the lawyers have to say.
URL and “I’ll greatly appreciate your comments” e-mailed to:
Hyung S. Choi - (the only AZ attorney listed at MyFairCredit)
David Anthony Szwak - (sent me the request for the link)
Leonard A. Bennett - (made some good case law and testified for Congress, but OBVIOUSLY that made no difference to consumers)
Ira Rheingold - (NACA submitted lots of amicus briefs until 12/04. What happened in 2005? And why are consumers rapidly losing more and more rights? Why have I sent so many readers to NACA and I don’t get any positive feedback?)
And here’s my e-mail with my request for legal assistance and the description of my situation:
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Credit - Collection - Economic News • Court - rulings - procedures • NACA - Consumer Lawyers EXPOSED • (15) Comments • Permalink
