KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES. 

YOU MUST BE A VIRGINIA RESIDENT.

KCLS limits the practice to the following areas of law:

 Fair Credit Reporting Act (including ID theft and Mixed Credit files)

Fair Debt Collection Practices Act, including collection abuse and false representations

Defense of consumer collection lawsuits, including debt buyers (often referred to as “junk” debt buyers or “zombie” debt buyers) divided into Warrant in Debt defense and Summons and Complaint Defense

Bankruptcy litigation,  including defense of non-dischargeability actions, complaints to obtain a discharge of certain debts, and complaints to strip or avoid liens.
Student Loan litigation, including improper collection, improper credit reporting, and improper application or denial of income driven repayment.

Fair Credit Reporting Act claims are claims that involve inaccurate information on your credit file.  If the information is correct, we are unable to help you.  KCLS is NOT in the business of credit repair.  We sue for the money damages as a result of the falsehoods and lies they tell about you.   It includes Identity Theft, Mixed Credit Files, and Incorrect Status.  For more information about how we can help you recover from the lies and false accusations, please call or email.

Fair Debt Collection Practices Act claims involve acts by debt collectors who use unfair tactics to collect.  These include abuse, misrepresentation and lies, or general unfair actions.  For more information about how we can help you stop the abuse and lies, please click here.

Collection defense is the process of preventing you from having a judgment entered against you. A judgment is nothing more than a judge saying you really owe the money.  The problem of a judgment is that once a judgment is entered, the collector can garnish wages, sell property, or have a lien against your real estate, for the purpose of involuntarily collecting the money from you.  For more information about how we can help you limit the damage a lawyer collecting a debt does to you, please click here.

Bankruptcy is a legal process by which the court “wipes the slate clean” and absolves you of the legal responsibility to pay certain debt.  Chapter 7 is a liquidation of debts.  Most unsecured debts, including medical debts, credit cards, and some car accidents are “Discharged”.  A Chapter 13 is a repayment form, that, in addition to the debts that are Discharged in Chapter 7, allows you to catch up on certain bills, like mortgages, and car loans, and fix problems of child support and taxes.  While we do not file Bankruptcies, we do assist people who have filed for Bankruptcy, either with or without a lawyer, with litigation issues of non-dischargeablity, determining the dischargeability of certain debts (including student loans), and avoiding liens and mortgages.

If you are not a Virginia Resident, click here to find a lawyer near you.

Contact us by e-mail or by telephone or fax or US Mail.

You can call us: 804.592.0792

You can fax us: 804.823.2565

You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
1650 Willow Lawn Drive
Suite 201
Richmond, VA 23230