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also known as Pat McNichol
A consumer protection and credit lawyer in Maryland and Virgina with extensive banking and financial law experience, Pat McNichol believes that no case is too small – or too big.
Whether through single-plaintiff cases or class actions, Pat is committed to getting the best results for vulnerable consumers.
Pat’s practice involves representing Maryland and Virginia consumers in matters of unauthorized bank or credit transactions, credit reporting errors and more. For his work, Best Lawyers has named Pat to its annual “Ones to Watch” list for banking and finance law four years in a row.
Before joining Kelly Guzzo, PLC, Pat practiced at an international law firm, handling hundreds of credit card, banking and auto finance matters for large financial institutions. He also completed two federal clerkships: for the Honorable M. Hannah Lauck of the United States District Court for the Eastern District of Virginia; and for the Honorable Joseph R. Goodwin of the United States District Court for the Southern District of West Virginia.
Pat co-authored the Virginia chapter in the American Bar Association’s The Law of Class Action: Fifty-State Survey in 2020 and 2021 and he contributed to the Consumer Banking and Payments Law treatise published by the National Consumer Law Center. He has also spoken on litigation strategies and topics of bank fraud at national conferences for the National Association of Consumer Advocates and the National Consumer Law Center.
Pat graduated from the University of Richmond School of Law with the school’s highest honors, and he served on the editorial board of the Law Review. He lives in Richmond, Virginia, and loves to hike with his wife, Caitlin, and their dogs, Leo and Max.
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Chat withState: Virginia
Acquired: 2017
No misconduct found
State: Maryland
Acquired: 2013
No misconduct found
3925 Chain Bridge Rd, Suite 202, Fairfax, VA, 22030
Showing 1 - 5 of 22 client reviews from Avvo
Posted by Vani | January 24, 2026 | Hired Attorney
I experienced electronic banking fraudulent transactions in my personal bank accounts. I reported these unauthorized transactions to the bank, and despite all my own efforts to prove that the transactions were unauthorized, the bank continually denied my claims. Eventually, I turned to James Patrick ...
Posted by Rick | October 17, 2025 | Hired Attorney
Pat did an outstanding job representing me in resolving a matter that should never have unfolded as it did. Unfortunately, corporations place profits before customers and when this occurs having knowledgeable legal representation can make the difference. He provided timely updates as my case progress...
Posted by Josie | May 30, 2025 | Hired Attorney
Patrick McNichol with the Kelly Guzzo PLC, Consumer Law Firm is Dedicated, Honest, Committed and provided a QUICK follow-thru to resolve a financial fraud case / scam, where I was the victim. My Lawyer has thorough knowledge of the Law and Defended my case successfully. I could not have hop...
Posted by Jonathan | May 9, 2025 | Hired Attorney
I had an outstanding experience working with James Patrick McNichol. Their team is highly knowledgeable, responsive, and truly committed to achieving the best outcome for their clients. They navigated complex legal issues with professionalism and clarity, keeping me informed every step of the way. I ...
Posted by Kartik | March 18, 2025 | Hired Attorney
I had a bank account hacked into by sophisticated hackers, and $45,000 stolen. As it was a wire, it was not covered by Reg E, and the bank was trying to stiff me! I felt hopeless, but calling around led me to Pat McNichol at Kelly Guzzo. They were the only firm I found that had a contingency fee ...
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2024
Ones to Watch: Banking & Finance Law, Best Lawyers in America
2023
Ones to Watch: Banking & Finance Law, Best Lawyers in America
2022
Ones to Watch: Banking & Finance Law, Best Lawyers in America
2021
Ones to Watch: Banking & Finance Law, Best Lawyers in America
2013
National Champion, Judge John R. Brown Admiralty Moot Court Competition
2013
Maritime Law Association Award for the Best Brief, Judge John R. Brown Admiralty Moot Court Competition
2013
Glenice B. Coombs Award for Law Review Excellence, University of Richmond School of Law
2013
The Order of the Coif, University of Richmond School of Law
2013
The Order of Barristers, University of Richmond School of Law
2013
Book Award for Law of the European Union, University of Richmond School of Law
2013
Book Award for Criminal Process, University of Richmond School of Law
2013
Book Award for First Amendment Law, University of Richmond School of Law
2011
Book Award for Constitutional Law, University of Richmond School of Law
2011
Walter Scott McNeill Law Society, University of Richmond School of Law
2021 - Present
Attorney, Kelly Guzzo, PLC
2017 - 2021
Associate, McGuire Woods
2015 - 2017
Law Clerk, The Honorable M. Hannah Lauck, United States District Court for the Eastern District of Virginia
2015 - 2015
Law Clerk, The Honorable Joseph R. Goodwin, United States District Court for the Southern District of West Virginia
2013 - 2015
Associate, Ober | Kaler
2015 - Present
John Marshall American Inn of CourtMember
2013
J.D., summa cum laude
2009
B.A.
2023
Fair Credit Reporting Act Case Valuation
2023
Strategies and Pitfalls When Litigating Payment Fraud
2022
Defense Perspectives on FCRA Litigation
2022
Wire Transfers Under Article 4A of the Uniform Commercial Code
2023
2021