Class Actions Level The Playing Field Between Individual Citizens And Powerful Corporations.

By empowering a few individuals to advocate for those who would otherwise have no voice, class actions hold corporations accountable for wrongdoing and bring about important social change.

We have the resources, personnel and experience to take on powerful corporations anywhere in the country. Whether your credit or background information has been misused or you have been the victim of racial discrimination in housing, homeowners insurance or your workplace we are committed to fighting for what’s right.

Partner Christa Collins has successfully litigated civil rights, consumer, employment discrimination and Fair Credit Reporting Act class actions against major lenders, insurance companies and Fortune 500 companies throughout the country for more than 15 years.

We bring this depth of experience, along with a commitment to devote the resources necessary for successful resolution to every class action we take on.

These are some of the cases we are currently investigating:

 
Credit Scores Can Unfairly Impact Your Insurance Premiums

Using Credit Scores To Price Insurance
Many insurance companies charge higher premiums to people with less than stellar credit. This practice has been shown to disproportionately impact minority homeowners. A low credit score can affect your credit more than any other factor.  Read More

 

 

 
Credit pulls under false pretenses is against the law. A class action may help you receive compensation and enforce your rights.

Credit Pulls Under False Pretenses
It’s against the law for the lender to pull a borrower’s credit to market or solicit them about credit options to them. Additionally, it’s also unlawful for a creditor to open an account in a borrower’s name without their permissions or to pull a borrower’s credit report after a debt has been discharged in bankruptcy. Read more

 

 
Rejecting Job Applicants Based On Credit can be unlawful when your credit score has no impact on your ability to perform the job.

Rejecting Job Applicants Based On Credit
Most employers run credit checks on job applicants. Increasingly, employers will reject qualified applicants even after an offer of employment has been made because of their credit report. While this hurts all, minority job applicants are particularly affected because minority communities were hit hardest by the financial crisis. Read more

 

 
Credit reporting agencies violate the law when they provide criminal background checks to employers that include arrest records older than 7 years old

Stale Arrest Records On Criminal Background Checks
Credit reporting agencies violate the law when they provide criminal background checks to employers that include arrest records older than 7 years old. Unlawful or improper arrests are a daily reality for many Americans. Oftentimes, law enforcement make split-second decisions, and increasingly, these decisions are wrong.  Read more

 

 
Force-place Insurance occurs when a borrower’s insurance policy lapses. Banks profit by purchasing placing replacement insurance through their own affiliates at rates significantly higher the market.

Force-Place InsuranceForce-place Insurance occurs when a borrower’s insurance policy lapses. Banks profit by purchasing placing replacement insurance through their own affiliates at rates significantly higher the market. Sometimes this even occurs when the required insurance policy has not lapsed.  Read More

 

 
Criminal background checks in housing and employment can discriminate against minorities who are trying to find a job.

Criminal Background Checks In Employment
The mass incarceration of minorities for non-violent crimes is well documented. Roadblocks in finding a job and a place to live after serving their time often prevents a successful transition making it on the outside. Read More