Joseph P. McClelland, LLC's Blog
What Is New on the Site
Newest UpdatesWe are introduction a new practice area page on background employment check errors. We just released several new articles on consumer law. One is about the death master file, another is answering the question why I have a zero credit score, and about when can a consumer sue Equifax. In the article,
2020 Guide to Identity Theft Affidavits
Guide 2020 to Identity Theft AffidavitsDo you always need to get an identity theft affidavit? Where do you get an identity theft affidavit? And what do you do with it?Hey everyone, this is attorney Joseph McClelland and say we're going to go over everything you've always wanted to know about identity theft
Medical Identity Theft 2020: How to Stop and Correct It
Medical Identity Theft 2020: How to Stop and Correct ItAs an attorney for victims of identity theft, one common issue seen is medical identity identity theft. Instead of someone opening a fraud account, they are creating medical bills using your identity.Consumer Protection Attorney and Advocate, Joseph McClelland, Esq.What is medical identity theft? Medical
Emotional Distress & Credit Reporting Damages
Emotional Distress & Credit Reporting DamagesHere is a brief overview of obtaining emotional distress damages in Georgia and the 11th Circuit more broadly. If you have a question about being mistakenly reported dead, credit reporting errors, identity theft, or mixed files, contact my office.Thanks for being a loyal reader of our blog.Basics of the
Fraud Alerts and Credit Freezes
5 Things to Know about Credit Freezes and Fraud AlertsWhat do fraud alerts and credit freezes do?In this article by Joseph McClelland, an identity theft attorney for victims, you will learn the ins and outs of the fraud alerts and credit freezes and how they can play a part in recovering from
Wells Fargo Repossession Law Firm
Wells Fargo Repossession Law FirmWells Fargo Bank Wrongfully Repossessed Twenty Thousand Vehicles Recently over half a million customers of the bank were scammed for unnecessary automobile insurance.Picture these small towns with populations of around twenty thousand people. Now picture that the equivalent of the population of one of these towns awoke one Sunday
Sue for Collection Calls
Collection Calls to Your Cell Phone AFTER You Ask to STOP Calling? How Do You Collect the $500 to $1,500 Per Call Penalty for Getting Collection Calls AFTER Saying STOP? 1. Confirm that you got calls AFTER you SPECIFICALLY
What Is a Credit Report?
What is a Credit Report?By Attorney Joseph P. McClelland, Esq.In this report, it is a combination of numerous businesses information on you. It includes your social security number include your date of birth and includes the places that you've lived in the last several years and includes the job that you've had.Most
How to Get Your Credit Report
How to get your credit report? There are many places online and in real life where you can get your credit report or credit file. Some of these places make it quite easy to get your credit report while others will require you to pay a fee for no reason.It is your choice
Robocalling the Wrong Number
Getting Wrong Number Calls to Your Home or Cell Phone? How Do You Collect the $500 to $1,500 Per Call Penalty for Getting Another Person's Collection Calls? 1. Confirm that you are getting calls from a business, and you never authorized them to call your cell phone. 2. See if you have
Why Review Your Credit Report?
Why Review Your Credit Report?Why should you even take the time out of your day to go get a credit report?You always have people talking about credit reports and Credit in this that and the other, but maybe you don't need any credit right now. Maybe you have no plans of getting
What should you do after a credit dispute?
Can You Sue When Your Credit Dispute Fails?What should you do after you dispute errors on your credit report but before you get any response back? I hear this question a lot and I thought it over several times. I always come back to the same response. I don't think you should
Is the Credit Reporting System Broken?
Credit ErrorsEveryone understands how important an accurate credit report is. Even though we know this, and the Fair Credit Reporting Act or FCRA was founded to ensure accuracy, there are still an unfortunate amount of errors in the credit reporting system. The system may very well be broken.This article will explore some
What Is a Robocall?
What Is A Robocall & When Can You Sue for $500 - $1,500 Each?Ring. Ring. Ring.You answer your phone, push some buttons or a person comes on and you say, "stop calling me". If they robocall you again, this call may now be worth $500 to $1,500 because you told them to stop.
Denied Home Loan Because of Identity Theft
Denied Home Loan Because of ErrorWere you denied a home loan because of something on your credit that does not belong to you? First of all, that's terrible. I hope that it doesn't cost you to lose a particular home you wanted to get.Now, if you want to move forward, you are
Stop Credit One Collection Calls
Is Credit One calling you constantly?Has Credit One called you constantly in the last 4 years?Have you asked Credit One to stop calling?Did they continue to call?Contact my office to see if you are entitled to compensation under the Telephone Consumer Protection Act.You may be entitled to $500 to $1,500 per call.You
Identity Theft Accounts on Equifax Credit Report
Equifax Identity TheftLet me guess.You pulled your Equifax credit report and saw another person's account. Maybe it's someone else's and Equifax screwed up (read high settlement value) or maybe someone stole your identity. That stinks.The problem is that it gets much worse from here.If someone did steal your identity and knows how
Sue Chase for Credit Reporting Inaccurately
JP Morgan Chase Credit ErrorAre you having issues with JP Morgan Chase? Are they reporting you as deceased? Is Chase messing up your credit report? Is Chase misapplying your funds? Is Chase attempting to foreclose on your home for no reason? If any of these sound familiar to you, then contact my office for
Identity Theft Dispute Letter
This is a continuation of our report on how to get identity theft off your credit report.TEMPLATE TO DISPUTE IDENTITYHere is a template to use for your dispute letter to the credit reporting agencies (CRA). You must include a police report for this to be the most effective and allow you to
2019 Writing Personal Injury Demand Letters to Settle Claims & Cases
Personal Injury Demand Letters Hello, today we are going to discuss the topic of writing a successful personal injury demand letter in Georgia to the insurance company after an accident. This is integral to being a personal injury attorney. A personal injury demand letter is a letter to the insurance company offering
Car Accident – Driver Has No Insurance
Uninsured Motorist Coverage AttorneyWelcome to a new post by the Atlanta Motorcycle Injury Attorney about UM coverage or uninsured motorist coverage. Now, it will be easier to think about UM coverage in Georgia in terms of being uninsured completely and under-insured. If someone is uninsured that means that they have no liability
How To Stop Unwanted Calls To Your Cell in 2020
What are Your Cell Phone Rights in 2020Does this sound familiar?You hear your cell phone ringing.You rush to get it.The possibilities are endless: could it be my spouse, my kids, my work, an important client, the hospital...Instead, it's a bill collector, business or telemarketer :(To make matters worse when you answer it,
How to Stop Debt Collectors Calling Wrong Number
Stop Robocalls to Your Cell Phone Wrong number collection calls entitle consumers to $500 - $1,500 per call under the Telephone Consumer Protection Act. Do you have a business calling you but looking for someone else? You may have a solid claim under the Telephone Consumer Protection Act (TCPA) that entitles you
2019 How to Handle a Hit and Run Accident & Make Money!
What do you do in a hit and run accident?The at-fault driver took off. You were not able to get their tag number. You looked for witnesses, but could not find any. You have a damaged car and medical bills. Does that sound like the situation you are in?As a personal injury
Settlement or Trial of an Injury Claim
Atlanta motorcycle accident lawyerOne reason that you might have to file a car accident lawsuit in Georgia is that of the failure to come to a fair settlement with the insurance company.The insurance company thinks they know the value of the case to them.Settlement or TrialIt is based upon their experience handling similar
6 Ways to See Who is At-Fault With or Without a Ticket
6 Ways to See Who is at Fault?So, how to tell who was at fault in a car accident? Who is liable? This question is important because if want a strong claim and you want the adverse carrier (the other person's insurance company) or perhaps your insurance company to pay for the damages.This guide
Policy Limit Settlements in Personal Injury Accidents
Policy Limit SettlementsPolicy limit settlements in a personal injury case.The take away from this article is two-fold. The first part is about the maximum amount for which an insurance company will settle. This is important because even if you have a significant injury, there is only XXX amount of insurance. You might