Consumer Finance Litigation

    Precision Litigation for Consumer Protection.

    When banks, debt collectors, and credit bureaus break federal law, we make them pay. I spent nearly a decade defending financial institutions at national Am Law 100 firms. Now I use that knowledge exclusively for you. You pay no attorney's fees unless we win. The firm advances the costs of litigation, and if there's no recovery, we don't ask you to repay them.

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    Our Practice Areas

    Debt Collection Harassment

    FDCPA — Learn More Here

    Stop the harassment. If a debt collector threatens you, calls your workplace, or lies about what you owe, they may be breaking federal law. If so, we sue them to recover damages.

    Credit Report Errors

    FCRA — Learn More Here

    We force the major credit bureaus—and the banks or debt collectors supplying them with false data—to fix the errors ruining your score. When they refuse to correct their mistakes, we hold both the bureaus and the creditors financially accountable under federal law.

    Spam Texts & Robocalls

    TCPA — Learn More Here

    Marketers and debt collectors cannot flood your phone with automated calls or texts without your consent. Federal law sets statutory damages for each illegal call or text — and we sue to recover them.

    Unauthorized Bank Transfers

    EFTA — Learn More Here

    Did a bank or payment app refuse to refund a fraudulent charge? The firm uses the Electronic Fund Transfer Act (Regulation E) to press financial institutions to investigate the fraud, restore unauthorized transfers, and pay damages for violating your rights.

    Tenant Screening Report Errors

    FCRA — Learn More Here

    Denied an apartment because of a background or credit check? Tenant screening companies routinely report criminal records, evictions, and debts that aren't yours. They are consumer reporting agencies under federal law — and when their careless reporting costs you housing, we hold them accountable under the FCRA.

    Employment Background Check Errors

    FCRA — Learn More Here

    Lost a job opportunity due to a case of mistaken identity or an expunged record showing up on your background check? We hold specialized screening companies financially accountable for the careless reporting that costs you your livelihood.

    Medical Debt Harassment & Reporting Errors

    FCRA / FDCPA — Learn More Here

    Medical debt collectors and credit bureaus routinely report inaccurate balances, bills already covered by insurance, and debts you never owed. When they ignore your disputes or keep collecting on invalid debts, we hold them accountable under federal law.

    Identity Theft Recovery

    FCRA / FDCPA — Learn More Here

    When your identity is stolen, banks and credit bureaus often refuse to clear the fraudulent accounts from your name. We force them to investigate, remove the false debts, and restore your financial reputation under federal law.

    Meet the Founder

    The Advantage of Industry Experience.

    Rene McNulty spent nearly a decade at Am Law 100 firms and national fintechs, working inside the complex federal regulations that govern the financial sector. He understands the architecture of this industry from the inside out — how banks, credit bureaus, and debt collectors are supposed to operate, and how to pinpoint the exact compliance failures that violate your rights.

    Now representing consumers exclusively, Rene brings that industry background to your side of the table. You get a litigator who knows the regulatory landscape and holds financial institutions to the strict letter of the law.

    Rene McNulty, Founding Attorney

    Rene McNulty

    Founding Attorney

    Former Defense Attorney: Nearly a decade of experience representing financial institutions, both as defense counsel at top-tier national Am Law 100 firms (Ballard Spahr and Troutman Pepper) and as in-house regulatory counsel for financial technology companies.
    Education: University of South Dakota School of Law (J.D. 2017, High Honors); Law Review; Trial Team.
    Admissions: Minnesota.
    Military Service: U.S. Navy veteran deployed in support of Operation Enduring Freedom aboard the aircraft carrier USS Dwight D. Eisenhower. He brings the same tactical precision, high-stakes execution, and unshakeable discipline to federal consumer litigation.
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