I'm a consumer protection attorney helping people get relief from debt, and clearing their credit reports of errors. I also pursue debt collectors who violate the law.
I have been fighting for the interests of regular people since I became a lawyer in 1996. In those first years, I represented employees in discrimination cases and tenants in lawsuits against landlords.
In response to the global financial crisis of 2008, I turned my focus toward consumers seeking debt relief in bankruptcy court, obtaining discharges of all kinds of debt and preventing foreclosures of their homes. I responded to the student loan debt crisis by helping borrowers get into affordable payment plans, and by litigating private student loan cases in court.
Now I use all courts to represent consumers facing debt and credit problems: California Superior Courts, Federal Disctrict Court, and Bankruptcy Court, whereever it is in the best interests of my clients. There is a federal statute and a California state statute protecting a consumer's right to a credit report free from errors, even if you have filed a bankruptcy petition.
|Award name||Grantor||Date granted|
|Attorney at Law||Law Office of James A. Michel||1996 - Present|
|Association name||Position name||Duration|
|National Association of Consumer Attorneys||Member in Good Standing||2014 - Present|
|National Association of Consumer Bankruptcy Attorneys||Member in Good Standing||2008 - Present|
|State Bar of California||Menber in Good Standing||1996 - Present|
|AVVO Legal Guides||How to Opt Out of Arbitration Agreement Announced re Chase Bank Credit Cards||2019|
|Golden Gate Univ SOL||J.D.||1996|
|St. John's College||B.A.||1992|
|Private Student Loan Dischargeability in Bankruptcy: A New Perspective||Student Loans and Bankruptcy||2017|
|How to Fight Debt Collectors in State Court||How to Fight Debt Collectors in State Court||2016|
|Reyes v. Franchise Tax Board||settled for less than one percent of claimed tax debt of $142,000|
|T.R.E.S. v. R. M.||jury verdict in favor of James' client -- the jury found that the real estate brokers breached the fiduciary duties they owed to James' client|
|St. Francis Bay v. Ferro, Ramil||Homeowner paid nothing to Condo Ass'n. However, the homeowner obtained payment from debt collector JQD LLC (ProSolutions) who had sent a demand letter to homeowner.|
|National Collegiate Trust v. Norberg||award of attorney fees for borrower's lawyer, in the amount of $24,412.50|
Posted by Paula
Thu Sep 12 2019
Posted by Misha
Fri May 24 2019
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