PRO
also known as Kristi Kelly
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.
3
Practice Areas
20 years
20 years
17 years
We have not found any cost information for this lawyer
State: Maryland
Acquired: 2014
No misconduct found
State: District of Columbia
Acquired: 2007
No misconduct found
State: Virginia
Acquired: 2006
No misconduct found
Fax
3925 Chain Bridge Rd, Suite 202, Fairfax, VA, 22030
kellyguzzo.comShowing 1 - 5 of 7 reviews | Compassion
Posted by Courtney | May 06, 2025 | Hired Attorney | Credit Repair
Outstanding credit attorney
Kristi and her team has been a tremendous help. I contacted Kristi and her team in need of help with no where left to turn. Working with Kristi and her team has been a game-changer for my financial future. She is not only incredibly skilled and thorough but also genuinely cares about her clients’ ou...
Posted by Mark | October 01, 2024 | Hired Attorney | Bankruptcy & Debt
You Need Mercy and Relief, Kristi is there for you
If you are reading this, you are likely under crippling financial stress and need help. If you call Kristi, she will get you back to normal. She has a record of beating back unscrupulous creditors and knows consumer law and procedure better than any attorney with whom I've ever consulted. She is a ki...
Posted by anonymous | November 02, 2022 | Hired Attorney | Foreclosure
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 ...
Posted by Joe | January 27, 2021 | Hired Attorney | Debt Collection
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 th...
Posted by George | January 25, 2021 | Hired Attorney | Debt Settlement
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 burden...
"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 lawyer
Class action lawyer
2025
Super Lawyer, Super Lawyers
2024
Super Lawyer, Super Lawyers
2023
Super Lawyer, Super Lawyers
2022
Super Lawyer, Super Lawyers
2021
Super Lawyer, Super Lawyers
2020
Super Lawyer, Super Lawyers
2019
Super Lawyer, 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
Rising Star, Super Lawyers
2014
Leaders in the Law, Virginia Lawyers Weekly
2014
Young Lawyers, Virginia's Legal Elite
2014
Rising Star, Super Lawyers
2013
Rising Star, Super Lawyers
2012
Rising Star, Super Lawyers
2014 - Present
Partner, Kelly Guzzo, PLC
2010 - 2014
Shareholder, Surovell Isaacs Petersen & Levy, PLC
2006 - 2010
Attorney, Legal Services Of Northern Virginia
2018 - Present
Legal Aid Justice CenterBoard of Directors
2018 - Present
National Consumer Law CenterPartners Council
2018 - Present
National Association of Consumer AdvocatesBoard of Directors
2013 - Present
Virginia Poverty Law CenterBoard of Directors
2015 - 2018
National Association of Consumer AdvocatesState Chair
2014 - 2018
Legal Aid Justice CenterAdvisory Board- Northern Virginia
Judgments Dismissed
Opinion Granted
Judgement Against Credit Reporting Company
Opinion Obtained
2006
JD - Juris Doctor
2015
2015
2014
2014
English