Joshua Randall Trigsted

I retained Joshua Trigsted in June 2026 for a Fair Credit Reporting Act case. My Chapter 7 was discharged in September 2024, and TransUnion was reporting it as dismissed while Equifax and Experian reported it correctly. I brought him a documented file: the Order of Discharge, all three credit reports..., dispute responses, adverse action notices showing a denied auto lease and a halved credit limit, dated screenshots capturing the month the bureau changed my status from discharged to dismissed, and written statements from the furnisher acknowledging the accounts were in bankruptcy while refusing to correct them. Before I signed, he wrote that he believed I had a claim. Three months later I had no case, no lawsuit, and no lawyer. Communication. I initiated every single contact over three months. Not once did he reach out to update me. Replies routinely took close to a week and were often one or two sentences, frequently leaving me less clear than before I asked. The work. He sent three pre-suit demand letters on June 5, 2026. I have all of them. They are substantially the same document with names swapped. The letter to the furnisher describes my dispute as made through a different credit bureau, because the text was copied from that bureau's letter and never adapted. All three cite 15 U.S.C. 1681s(b), the administrative enforcement provision, not a section a consumer sues under. All three demand an identical figure from three defendants with very different exposure. Most importantly, not one mentions the strongest evidence I had already given him: the bureau's internally contradictory record, the documented date the status changed, the fourteen affected accounts, or the furnisher's written admissions. The defendants were never shown the actual case. All three went by ordinary first class mail with no tracking, so there is no proof any arrived. The furnisher then responded twice in July. Neither was forwarded to me. I found out they existed only after the representation ended and I requested my file. One contains a clear misstep by the defendant that supports my claim. It sat in his office for two months. The costs. In September he said the next step was litigation and asked me to advance $1,000 to $2,000 per case, saying he believed it would be unethical to front those costs himself. The fee agreement I signed says the opposite: litigation costs are deducted from settlement funds and are not paid during litigation, and if there is no recovery the firm waives them entirely. The rules of professional conduct permit a lawyer to advance litigation expenses contingent on outcome. It is a choice, not an ethics constraint. The withdrawal. I asked two things: whether the cost request changed our agreement, and whether we could set a workable response time given that accounts were actively being closed because of the reporting. He withdrew the same day. After three months of week-long turnarounds, that was the fastest response I ever got from him. His stated reasons were that my case was a "gray area" and that he could not represent a client who had expressed dissatisfaction. In May he had written that he believed I had a claim. Nothing changed between those assessments except that the cheap approach had not produced a settlement offer. When I requested my file, the first email contained only the fee agreement, with a note that my requests exceeded what was required. The documents came only after a second request. In fairness: he charged me nothing and flagged the limitations deadline on his way out when he did not have to. But I lost three months. My case was never built, the defendants never saw the real evidence, and I learned how thin the work was only after being dropped. If you have a documented consumer case and want someone who will develop it and keep you informed, look elsewhere.

we are in the beginning stages of the case to come but I am confident and comforted by his overall knowledge of federal fair debt collection practices and the fact that he took the time out of his day to figure out if I was being wronged spoke volumes. Shortly after explaining the facts he wanted to ...push forward in making sure my debt was taken care of during this time of hardship for me and my family, for that I am so grateful. thanks again Josh and Happy Holidays to you and yours.

I had needed help to determine if my rights were violated by a debt collector on a time-barred debt. Josh and his team were able to assist in understanding the laws and federal FDCPA act on what collectors can and cannot do. He also looked at any evidence and considered possibilities. I learned a lot... to handle such situations in the future should they come up. I would highly recommend using his services on such matters.