James Patrick McNichol

Can you imagine getting into a car accident, buying a brand-new car, and then having that same car stolen just one month later while it was at the dealership for a minor recall repair? That's exactly what happened to me. I made just **one** car payment before my new car was stolen and used in a cr...ime. When it was eventually recovered, there was blood inside it, and let's just say it had not been driven with care. To make matters worse, the dealership essentially told me I was on my own to figure out what to do. It is hard to describe how devastating and violating it feels to make your first-ever purchase of a brand-new, expensive family vehicle only to have it literally stolen away. My family couldn't imagine accepting that car back, dealing with extensive repairs, or trying to forget what had happened inside it. That's when I called Pat McNichol at Kelly Guzzo. From the moment Pat got involved, everything changed. Knowing he would handle all communication with the dealership immediately lifted an enormous weight off my shoulders. Instead of spending every day arguing with the dealer, I could focus on my job and my family. Whenever the dealership called or emailed me, I simply directed them to Pat. One thing that truly stood out was Pat's responsiveness. He returned my calls and emails the same day—often within minutes. Even when he didn't have an update, he kept me informed and made sure I knew what was happening every step of the way. During an incredibly stressful time, that level of communication gave me tremendous peace of mind. Pat sent the dealership a demand letter, requesting that they replace my vehicle with a brand-new one. Not only had my car been stolen and returned in terrible condition, but it had also been sold to me with issues that had never been disclosed at the time of purchase. Within **one week** of receiving Pat's letter, the dealership agreed to replace my vehicle with a brand-new car. I cannot recommend Pat McNichol highly enough. I sincerely hope you never find yourself in a situation where you need his services. But if you ever become the victim of fraud or find yourself in a dispute with a dealership, make him your first call. His expertise, professionalism, persistence, and exceptional communication gave me peace of mind during one of the most stressful experiences of my life. Every penny was worth it.

I cannot adequately express my deep gratitude and satisfaction with Pat McNichol and all the staff at Kelly Guzzo. Throughout my case, Pat and his team remained kind, caring and responsive, as well as skilled and persistent in the face of unlimited resources and bad faith. Pat is a tenacious attorney... who stands up for his clients, with thorough expertise in a complex area of law. He built a brilliant case. You can trust Pat and the rest of the Kelly Guzzo team when you’ve been defrauded by criminals and even your own bank, as I was. I would not hesitate to enlist their help again and I strongly encourage others to do the same. I am thrilled with the result they worked tirelessly to get for me under extremely difficult circumstances. They truly care about the consumer and their clients. Go with Kelly Guzzo!

I hired Pat McNichol to pursue a dispute against my credit union over an unauthorized charge that ballooned from roughly $11 to over $1,000 due to what appeared to be a software error. The credit union and their processor stonewalled me for nearly a year before I found Kelly Guzzo. Pat's handling ...of the case was outstanding throughout. He was thorough in building the demand, creative in his legal strategy (deliberately framing the claim in the strongest possible way), and decisive when the credit union failed to participate in the arbitration process — moving immediately to file federal litigation and contacting the institution's leadership directly. That pressure produced a settlement that exceeded my original loss. What impressed me most was Pat's accessibility and communication. I'm stationed abroad and six hours ahead of Eastern time, and he accommodated that without complaint, keeping me informed at every stage. I would not hesitate to recommend him to anyone facing a consumer dispute with a financial institution.