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About me

Attorney Joe Culik has built his reputation on helping people and has dedicated his practice in Boston, Massachusetts to consumer protection, employee rights, and individual personal injury.

He has advocated for individuals against some of the largest companies in America and has a passion for helping people uphold their rights against impossible odds. He has filed both individual and class-action lawsuits against most of the major banks, against some of the biggest debt collectors and credit reporting agencies, as well as insurance companies and corporate employers.

Joe believes in standing up against bullies and entities who disregard the rights of the individual. He has a record of litigating aggressively for his clients’ rights and to obtain the best possible outcome.

Joe participates in public interest and non-profit programs. He has helped train attorneys for the Massachusetts Attorney General’s foreclosure-prevention program (Homecorps), and has spoken on consumer rights and foreclosure defense at events around the Boston metro area. He has presented at the National Consumer Law Center on debt issues. He has co-counseled with Legal Aid organizations on issues affecting low-income consumers. He also sits on one of the Massachusetts Bar Foundation Committees that distributes funds to legal organizations.

Before starting Culik Law with his partner Shawna Culik, Joe worked for legal aid organizations and a family-run plaintiff-side litigation firm.


  • Litigating against debt collectors under the Fair Debt Collection Practices Act

  • Litigating against credit reporting agencies for incorrect credit reporting,

  • Suing banks and mortgage servicers for claims of unfair practices related to foreclosure and loan modifications, even voiding foreclosures in some instances,

  • Litigating against employers for various forms of discrimination, unpaid wages, and identity theft.

  • Filing class actions against banks, debt collectors, and financial services companies.

Attorney Josef Culik Bio


Practice areas


  1. Foreclosure: 20%
  2. Debt Collection: 20%
  3. Consumer Protection: 20%
  4. Employment: 20%
  5. Litigation: 20%


Payment types:

Cash, Check, Credit card

Attorney endorsements

2 total 

Are you an attorney? Endorse this lawyer

  • Peter T. Lane

    I endorse this lawyer. He is a passionate consumer advocate with a wealth of knowledge on people's rights and options for debt resolution.


    Peter Lane Contracts and agreements Attorney
    Relationship: Fellow lawyer in community

  • Michael J. Bace

    Attorney Culik and I practice in the same community, and I highly recommend his work. Attorney Culik is extremely thoughtful and practices at the forefront of complex and current issues involving foreclosures, mortgages, and consumer debt - we refer our own clients to each other, and I remain confident that my clients are well served when their issue requires his areas of expertise.


    Michael Bace Litigation Attorney
    Relationship: Fellow lawyer in community

Contact info


225 Franklin St, 26th Floor
Boston, MA, 02110


We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Rising StarThomson Reuters2016
Rising StarMassachusetts Super Lawyers2016
Rising StarSuper Lawyers2016
Preeminent 5.0 out of 5Martindale-Hubbell2015
Rising StarSuper Lawyers2015
Rising StarMassachusetts Super Lawyers2015
Rising StarThomson Reuters2015
Customer Satisfaction Excellence Award WinnerBetter Business Bureau2015
Client Distinction AwardMartindale-Hubbell2015
Rising StarThomson Reuters2014
Customer Satisfaction Excellence Award WinnerBetter Business Bureau2014
Rising StarSuper Lawyers2014
Client Distinction AwardMartindale-Hubbell2013
Rising StarThomson Reuters2013
Preeminent 5.0 out of 5Martindale-Hubbell2013
Massachusetts Rising StarBoston Magazine2013
Rising StarSuper Lawyers2013
Rising StarMassachusetts Super Lawyers2012
Certificate of No Complaints (48 months)Better Business Bureau2012
Rising StarSuper Lawyers2012
Rising StarSuper Lawyers Magazine2012
Preeminent 5.0 out of 5Martindale-Hubbell2012
Super LawyersThompson Reuters2012
Massachusetts Rising StarBoston Magazine2012
Client Distinction AwardMartindale-Hubbell2012
Client Distinction AwardMartindale-Hubbell2011
Jurisprudence Award in NegotiationMichigan State University College of LawN/A
Jurisprudence Award in Estate PlanningMichigan State University College of LawN/A
Work experience
TitleCompany nameDuration
Principal AttorneyCulik Law PC2008 - Present
N/AStempien & Stempien, PLLC2007 - 2008
Legal InternLegal Services Elder Law Center2007 - 2007
Association namePosition nameDuration
Senior Partners for JusticeVolunteer Attorney2013 - Present
Massachusetts Bar FoundationSociety of Fellows2013 - Present
Massachusetts Academy of Trial AttorneysAttorney Member2012 - Present
National Association of Consumer Advocates (NACA)Attorney Member2010 - Present
Massachusetts Bar AssociationMember2008 - Present
Greater Boston Legal ServicesAdvocate2008 - Present
Boston Bar Association, Volunteer Lawyers ProjectVolunteer2008 - Present
Boston Bar AssociationMember2008 - Present
American Bar AssociationMember2006 - Present
Middlesex County Bar FoundationBoard Member2013 - 2014
National Association of Consumer Bankruptcy Attorneys (NACBA)Attorney Member2011 - 2016
Legal cases
Case nameOutcome
Emergency foreclosure prevention actionPrevented foreclosure sale
Culik Law Reverses $100k+ Citibank Lawsuit$100K judgement reversal in favor of client
Culik Law Stops Foreclosure by Wells Fargo Just Hours Before SaleForeclosure stopped just before sale
See all legal cases 
School nameMajorDegreeGraduated
Michigan State University College of LawLawJD - Juris Doctor2008
Oakland UniversityPolitical ScienceBA - Bachelor of Arts2005
Speaking engagements
Conference nameTitleDate
Proactive Foreclosure Prevention: FREE WorkshopForeclosure Prevention2011
Workshop for New HomeownersForeclosure Prevention2010
Proactive Foreclosure PreventionSteps You Can Take To Save Your Home: Foreclosure Prevention, Loan Modification, Short Sales, Deed In Lieu, Mortgage Alternatives.2010
Foreclosure Prevention WorkshopForeclosure Prevention and Loan Modification2010