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Kristi Cahoon Kelly

Credit repair Attorney at Fairfax, VA

5.0   27 reviews

also known as Kristi Kelly

  • State Years
    Maryland - MD 9 years
    Dist. of Columbia - DC 16 years
    Virginia - VA 17 years
  • Licensed for 9 years
    State MD
    Acquired 2014
    Status
    Active No misconduct found
  • Licensed for 16 years
    State DC
    Acquired 2007
    Status
    Good Standing No misconduct found
  • Licensed for 17 years
    State VA
    Acquired 2006
    Status
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Kristi

Learn Kristi’s areas of practice.

3
Practice areas
REPUTABLE CONSUMER LAW ATTORNEY FOCUSED ON ADVOCATING FOR INDIVIDUALS IN STATE & FEDERAL COURTS.

Kristi C. Kelly is a consumer protection attorney with a genuine commitment to representing the most vulnerable – and often overlooked – consumers in federal and state courts in Virginia, Maryland, and the District of Columbia. Ms. Kelly is widely acknowledged as a leading expert in consumer law. In 2014, Virginia Lawyers Weekly recognized her as a “Leader in the Law,” an annual award given to attorneys that set the standard in their field, and one of the most prestigious honors a Virginia lawyer can receive. She is described by her peers as someone “who takes – and wins – the cases others won’t touch.”

Kristi specializes in assisting consumers with credit reporting and employment background check mistakes, mortgage servicing errors and abusive debt collection practices. She has successfully litigated hundreds of individual and class action cases against banks, brokers, auto dealers, online lenders, debt collectors, credit card companies, credit bureaus and foreclosure rescue scammers, receiving a $686,000 verdict in her first jury trial, in addition to her attorney fees from a foreclosure rescue scammer in 2010.

Kristi is a regular speaker on credit reporting and mortgage servicing issues for the National Consumer Law Center, National Association of Consumer Advocates, the Virginia Continuing Legal Education program, and various legal aid organizations throughout the country. She frequently volunteers her time to speak to various nonprofit and community organizations to train and educate individual and community stakeholders on their rights as consumers, and has been a presenter at various trainings on the statewide and local level focusing on foreclosure prevention, consumer rights for domestic violence survivors, landlord tenant law, predatory loans, dealing with debt collectors and understanding credit reports. Kristi also regularly volunteers her time to assist consumers and members of the active duty military and veterans in need who are referred from legal aid and other nonprofit organizations.

For over a decade, Kristi has worked with Virginia’s General Assembly to fight predatory loans, and has also testified before the General Assembly regarding various mortgage related and foreclosure reform bills. She serves on the Board of Directors for the Legal Aid Justice Center and National Association of Consumer Advocates. She is also on the Partner’s Council of the National Consumer Law Center.

Kristi was previously a shareholder at Surovell Isaacs Petersen & Levy and a housing and consumer law attorney for Legal Services of Northern Virginia. While at Legal Services, she co-founded the Foreclosure Legal Assistance Program to provide legal advice and housing counseling to prevent foreclosures. In that capacity, she supervised and trained a network of attorneys and staff throughout northern Virginia.

Upon graduating from the University of Richmond T.C. Williams School of Law, Kristi received the Nina R. Kestin award for her extraordinary contributions to the school, community and profession of law. She received her undergraduate degree cum laude from Dickinson College, where she was a four-year varsity soccer player.

Kristi lives in Oakton, Virginia with her husband, Matt and three sons, Joey, Charlie and Tommy.

 

 

Awards

Gold Client Champion
Client's Choice 2018,2014
Client's Choice
2018 2014

Location

Kelly | Guzzo, PLC
3925 Chain Bridge Rd
Suite 202
Fairfax, VA, 22030

Reviews

5.0 / 5.0
  27 customer reviews
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Client's Choice 2018
Client's Choice
Client's Choice is an Avvo award granted to attorneys with a significant number of client reviews over 4 stars in a given year.
Posted by Sandy | June 11, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Absolutely Wonderful Lawyer
Kristi and her team were excellent in getting my student loan debt collection overturned. They were thoughtful, a pleasure to work with, skilled, and they fought on my behalf to win the case. They are a top notched law firm.
Posted by Micheal Moore | March 27, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Mrs. Kristi Kelly is the Woman!! Hands down!!
It all started when on my journey looking for my first home to purchase when I came across a stumbling block! One of the 3 bureaus had placed an incorrect judgement on my credit. I was searching for a place for almost a year and kept running across the same issue, landlords were telling me I had a previous rental judgement on my credit that was conflicting me of further pursuing a home. I finally got fed up of the denials and dug a little deeper. I then went on a attorney search where I found the perfect lawyer! Mrs. Kristi Kelly and the Kelly and Crandall firm. Mrs. Kelly and her team were very friendly,eager, and determined to go to battle in my case for me. Keeping me up to date on everything that was going on and contacting me if anything differed was nothing but a gain of trust built with this law firm. Nit. Expecting the settleled amount I do nothing but thank and applaud her for everything, Now me and my three sons will be able to pursue the home I've always wanted my sons and family to have!! Not to mention Mrs. Kelly got the job done fast. Through this experience with Mrs. Kelly I will always have her and the Kelly&Crandall law firm as my first choice of representation in such matter. They are the most professional proficient Law firm I have ever experienced. Again The Moore family thanks you Mrs. Kristi Kelly YOU ARE THE BEST!!!!
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Posted by John J | March 30, 2023
This review is from a person who hired this attorney.
| Hired Attorney
Best experience EVER!
I was hitting a brick wall with all 3 credit agencies, spent almost 2 years calling and emailing working to fix error after error. The credit agencies were reckless, and unwilling to fix the damage they kept creating. I went on Google to see if I could find a lawyer to help me, and there are not many in our area and those that are have the worst attitudes before you even explain your case. I called attorneys in Maryland, New York, Texas, Arkansas, Seattle, and Los Angeles and almost agreed to be represented by a team half way across the country who didn’t care about me or the case they just wanted to settle for a fast dollar and get the next case. Luckily I found Kristi Kelly and made the call, and my god she “ had me at hello” She is funny, sincere, knowledgeable, professional, and straightforward. The conversation was about 45 minutes and all the stress I had for the last 2 years felt easier to carry, I sent over my documents and she confirmed what I needed to here “ I have a case “ Kristi and her amazing team stayed in contact with me, helping me organize everything. They filed in court and a few months later we’re able to get a settlement agreement that after reviewing everything was better then we had hoped for! I won’t be able to sue these companies again again per the agreement, but if I had to my only team would be “ Kristy Kelly, Casey Nash, Abby Kersh, Olga Marcias, Pat McNichol, Natalie Cahoon “, and many others behind the scenes I didn’t get to personally work with. They are the Dream Team!
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Posted by anonymous | December 3, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Dedicated!
I received excellent representation from Kelly Guzzo and her team for my legal issues. Thank you for going above and beyond with your hard work and dedication! I highly recommend this team if you’re looking for results!
Posted by anonymous | November 2, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Fighter
I want to thank Kristi C. Kelly and the rest of counsel for their hard work and determination. They managed to sort out and expose the unfair treatment being done to me. I was charged thousands of dollars in interest on a mortgage that I did not hold, with continued work and dedication to prove that I did nothing wrong. I was facing foreclosure due to all the false accusations. During this Stressful time , Kristi Assured me to stay diligent and positive, and the wonderful Team saved my Home! What a blessing she is! I would recommend Kristi Cahoon Kelly over and over again, time and time again! Thank You!
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Posted by anonymous | July 1, 2022
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Excellent Service
This attorney was able to get me a substantial amount of money from a payday lending company that treated me unfair at no cost. Kelly, I will forever be grateful for the service you provided and for it being completed in a timely manner with no hassle.
Posted by Andrea | June 27, 2022
This review is from a person who hired this attorney.
| Hired Attorney
Kristi C. Kelly: Knowledgeable, Honest, Effective, and Kind
When I saw a number of false identities, addresses, and accounts on my credit report, I tried everything within my power to remove them, but my efforts were to no avail. The timing couldn’t have been worse, because I was in the process of buying a new home and the fraudulent activity was tanking my credit score. Fortunately, I found Kristi Kelly, Esq. and her talented team at Kelly & Guzzo PLC. They were knowledgeable, honest, and effective. When I was anxious; they were calm and steadily working on my case. Ms. Kelly even called me herself when I was particularly worried. She told me a story that got me laughing and envisioning a positive outcome. I’m happy to report that Ms. Kelly and her team helped remove all of the identity fraud activity on my credit report and they secured an excellent settlement for me. I’m truly grateful for finding Ms. Kelly and her gifted team of consumer lawyers. They stepped in and helped when I was at a complete for loss for what to do next.
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Posted by Kevin | December 20, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Kristi Kelly of Kelly Guzzo PLC is Exceptional!
To anyone considering enlisting the legal experts of Kelly Guzzo, PLC, I could not recommend Ms. Kristi C. Kelly and her team more strongly. Just over a year ago, Kristi took on my case to help me negotiate a settlement with a creditor organization. Her insights, approach, successful implementation thereof (working within the judicial machinery governing the process of vacating improper judgements, etc.) eventually produced a favorable settlement agreement at a fair and reasonable price for my wife and me. Every step of the way, Kristi Kelly was there to keenly listen to my concerns, effectively express them to the counterparty's legal counsel, and elicit from the other side a win-win outcome that left all parties involved satisfied that the prior dispute had been thoroughly resolved. In closing, the Kelly Guzzo, PLC firm brought a favorable end to a difficult chapter in my life, and enabled a fresh start and a hopeful path forward for my family. May God bless the good people of Kelly Guzzo, PLC - they went above and beyond, and for that my wife and I are forever grateful. Sincerely, Kevin R. Easley
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Posted by Joe | January 27, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Excellent Lawyer that truly cares!!!
Mrs. Kelly basically shut down a collection agency that had attempted to collect on a mortgage debt that had expired based on the statute of limitations. She was very empathetic to our case and got it completely dismissed. Mrs. Kelly relieved so much anxiety we were feeling thinking we would be on the hook for tens of thousands of dollars. Her and her staff were excellent in communicating what to expect. I would recommend Mrs. Kelly and her staff for anyone that wants a lawyer that is truly on your side and will fight not only for your rights but also for what is morally correct. My family and I are forever grateful for Mrs. Kelly and her team!
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Posted by George | January 21, 2021
This review is from a person who hired this attorney.
| Hired Attorney
Exemplary service
Attorney Kelly is a dedicated, knowledgeable compassionate fighter and champion for the rights of those like me seeking redress from lenders who apply excessive fees and interest rates to their loans. In my case, I incurred a loan from a jeweler-pawn broker on my ring and the jeweler charged a burdensome and excessive rate of interest. Attorney Kelly was able to secure resolution of my case in a professional and expedient manner whereby I regained possession of my ring. While she acknowledged not having done a pawn broker case before, she handled it like a pro. I would highly recommend her for any professional consumer debt legal services you might need.
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Posted by Clairmont | August 4, 2020
This review is from a person who hired this attorney.
| Hired Attorney
Great lawyers
I received excellent representation from KellyGuzzo for my legal issues. Kristi Kelly and Natalie Cahoon are very professional, efficient and were constantly in contact to update me on the progress of my case. They are very good at what they do! Thank you for your time and dedication put forward in helping me.
Posted by Stephanie | October 1, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Quality Service
Noting the dedication and diligence Kelly and her team put forth to see me through to a successful end as result of a former creditor's unlawful practice via my loan agreement according to the Racketeer Influenced and Corrupt Organizations Act and Virginia's usury laws, their results were absolutely gratifying!!! You answered all of my questions and quickly subsided my concerns with every update you kept me informed. I cannot thank you enough for how you successfully brought an end to that creditor's practice and held them fully accountable for damages. Thank you all for your impeccable care, matchless service, and great diligence throughout this entire process. Words cannot express how grateful I am! The difference you've made for my family is life changing!! If there's anyone needing an attorney to help serve them fair justice, I'd be the first to say you and your team are perfect for the job. I highly recommend your service to anyone! Best wishes and continued success to you all!!!
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Posted by Ashley | October 15, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Exceptional!
Kristi and her team go above and beyond. Not only did they succeed in correcting my credit, they also achieved amazing settlement results with all three credit reporting agencies. I’m so grateful for their expertise and compassion. If you’re looking for a trustworthy, intelligent, dedicated, and professional law firm, then look no further. I couldn’t have done this without Kristi and will forever recommend her to my family and friends!
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Posted by Adam | October 10, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Excellent choice!
Was referred to Kristi through a local lawyer and let me tell you I couldn't be happier with the outcome from using her to handle my case. She was EXTREMELY helpful start to finish and ensured me that I would be OK in the end and happy with the outcome. Never once did i have to question her about the case. Again, hands down the best choice as I will never look else ware
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Posted by Ryan | August 9, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Five Stars is not enough.
If Dwight Eisenhower, Douglas MacArthur, and Omar Bradley were all five star generals, then Kristi Kelly is a six star attorney. My parents sold their home five years ago, and their lender's clerical error led to a title issue that tanked their credit score. As they tried to resolve the issue themselves in the weeks following closing, the lender was bought by another company. The resulting transition issues meant that seemingly no one at the new company had info on my parents' dilemma or was empowered to correct it. We hired an attorney to resolve the issue. The attorney made an honest attempt to, calling several people at the new lender and sending letters. However, she made no progress. Four years went by, and the buyer's title insurance agent eventually sued my parents. At this point, I suggested we switch to Ms. Kelly given her credit reporting expertise. Ms. Kelly had a direct relationship with the lender's counsel. She picked up the phone, made one or two calls, and made the problems disappear. All my parents had to do was sign a settlement agreement and it was done: now their credit is restored, and they can finally obtain a mortgage for their dream retirement home. I strongly recommend Ms. Kelly. She was responsive, communicative, and obviously highly effective.
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Posted by James | May 23, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Exceeded my expectations
I contacted Kristi Kelly when I was denied housing because of false information in my credit file. She and her team resolved my case to my satisfaction and with a result that far exceeded my expectations. I was impressed by her firm's professionalism and responsiveness when I had questions or concerns about my case.
Posted by anonymous | April 20, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Experienced consumer attorney respected by opposing counsel
Kristi Kelly agreed to take my consumer credit reporting case which was dragging on for many months and looked to be headed for trial. Within a week of attaching her name to the case, the parties had agreed to a settlement. She was known to opposing counsel and the judge and respected by them, and I think that made all the difference in the negotiations. Highly recommend.
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Posted by Mark | January 16, 2018
This review is from a person who hired this attorney.
| Hired Attorney
Best lawyer around. Helped with preditory loans I had.
Kristi and company helped me with numerous predatory loans etc that I had. When my wife became disabled and couldn't work, to survive we borrowed from some internet loan companies that were extremely high interest etc. These companies operated illegally in Virginia and Kristi helped me get rid of these loans and straighten out my credit etc. Basically Kristi gave me back financial stability and took an unbelievable amount of stress out of my life. She is so easy to talk to and compassionate but goes after these companies and gets results! I'm so blessed to have found Kristi to help me out. She's the best and I highly recommend her and her law firm.
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Posted by george | December 11, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Simply the Best!!
I knew i found a highly reliable, well respected, and compassionate law firm before i even talked to Kristie. My first initial contact was with her office and speaking with her team. I remember thinking if Kristie is anything like her team then i knew i would be in good hands. Some on here have said how compassionate, understanding, and how knowledgeable she is and i can tell you that's exactly what you'll find at Kelly and Crandall law firm. Kristie was so easy to talk to and after talking for a short while it feels more like your talking to a friend whose there to help. I loved the fact of how compassionate and understanding she was to my situation. She explained things out step by step in detail and I learned a lot from her in a short time. The outcome was better than expected and allowed me to see a lot of light at the end of the tunnel. I cant thank them enough for all their help and support. I highly recommend her law firm for anyone in need of their services because they are simply the best.
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Posted by anonymous | May 12, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Awesome lawyer
Kristi and her team has been a tremendous help with getting my credit report fixed. It was a mess! My sisters' information was mixed with mines which prevented me from purchasing a house. It only took a year to get if fixed and settled with the credit bureaus.
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Cost

We have not found any cost information for this lawyer

Contact for Details

Resume

AVVO RATING 10.0 (Superb)

Work Experience

  • Partner
  • Kelly Guzzo, PLC
  • 2014 - Present
  • Shareholder
  • Surovell Isaacs Petersen & Levy, PLC
  • 2010 - 2014
  • Attorney
  • Legal Services Of Northern Virginia
  • 2006 - 2010

Education

  • University of Richmond, The T. C. Williams School of Law
  • JD - Juris Doctor
  • 2006

Sample of Legal Cases

  • Hundreds to Benefit From Payday Loan Settlement
  • Judgments Dismissed
  • Opinion Obtained in US Court of Appeals for The Fourth District
  • Opinion Granted
  • Credit Reporting Company to Pay $12M
  • Judgement Against Credit Reporting Company
View all legal cases

Associations

  • Legal Aid Justice Center
  • Board of Directors
  • 2018 - Present
  • National Consumer Law Center
  • Partners Council
  • 2018 - Present
  • National Association of Consumer Advocates
  • Board of Directors
  • 2018 - Present
  • Virginia Poverty Law Center
  • Board of Directors
  • 2013 - Present
  • National Association of Consumer Advocates
  • State Chair
  • 2015 - 2018
  • Legal Aid Justice Center
  • Advisory Board- Northern Virginia
  • 2014 - 2018
View all associations

Languages Spoken

  • English

Honors and Awards

  • Super Lawyer
  • Super Lawyers
  • 2019
  • Rising Star
  • Super Lawyers
  • 2018
  • Rising Star
  • Super Lawyers
  • 2017
  • Rising Star
  • Super Lawyers
  • 2016
  • Rising Star
  • Super Lawyers
  • 2015
  • Capital Region's Premier Lawyers
  • The Wall Street Journal
  • 2015
  • Leaders in the Law
  • Virginia Lawyers Weekly
  • 2014
  • Rising Star
  • Super Lawyers
  • 2014
  • Young Lawyers
  • Virginia's Legal Elite
  • 2014
  • Rising Star
  • Super Lawyers
  • 2013
  • Rising Star
  • Super Lawyers
  • 2012
View all awards

Speaking Engagements

View all speaking engagements

Attorney endorsements

Received (1)
Given (2)
Endorse Kristi
Consumer protection Attorney | May 24
Relationship: Worked together on matter
"I endorse this lawyer. Kristi is a compassionate and experienced lawyer. She is well respected by attorneys working with her and against her."
Class action
Class action

Avvo Contributions

This attorney hasn't created any legal answers in Q&A or legal guides recently on Avvo.

Fairfax Credit repair Lawyer Kristi Cahoon Kelly
Kristi Cahoon Kelly
Credit repair Attorney
Fairfax, VA
Licensed for 17 years