Consumer Attorneys

Yes, it's really free!

You may be entitled to FREE legal representation, compensation, and corrections to your credit report(s). Contact us to schedule a FREE consultation.

Free Consultation

Evening and weekend appointments are available upon request.

Federal law allows you to sue a creditor, debt collector, or credit bureau if they violate your legal rights.

Why Free?

It’s a common question that we frequently receive.  We certainly understand why people may feel skeptical about obtaining legal services at no cost.  After all, hiring an experienced attorney is typically expensive.  However, according to federal statutes such as the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Telephone Consumer Protection Act (TCPA), legal fees are paid by the company that has violated your legal rights.  It is for this reason that you will never be charged a penny for our services.  Also, in the event that we spend our resources and are unsuccessful with your matter, we eat the costs.  In addition to obtaining legal services at no cost, you may also be entitled to compensation and of course, deletion of inaccurate information from your credit reports.  For example, let’s say you have a legal claim against Company A because they are reporting an account that has never actually belonged to you, and we file a lawsuit.  We will pay for the court filing fee, various litigation expenses, and accrue our billable hours, etc.  If the case is resolved and we receive funds from Company A, we will use these funds to cover all of our expenses and also provide you with compensation.  Even if we lose (which we rarely do), you will still never be charged a penny.  Bottom line – we only get paid when we win and never a penny from your pocket.

Free Consultation

Have you experienced any of the following situations?

  • Credit Report Errors

  • Identity Theft

  • Debt Collector Harassment

  • Payday Lending

  • Bankruptcy

  • Student Loan Debt

  • Telemarketer Abuse

  • Repossessions

  • Auto Finance Issues

  • Creditor Robocalls

  • Mixed Credit File

  • Background Check Errors

  • Public Record Errors

  • Credit After Bankruptcy

  • Charge-Offs

  • Judgments

About Us & Our Mission

Barshay Sanders, PLLC is a medium sized law firm staffed with outstanding professionals that is here to help people who have been treated unlawfully by credit bureaus, creditors, and debt collectors.  We’ve seen it countless times – sincere, hard-working, struggling consumers being treated unlawfully.  Unfortunately, most consumers simply do not understand when they’ve been wronged, where to turn to for help, or how to afford paying for help.  Our motto is “Yes, it’s really free,” because our clients are never charged a penny for our legal services.  We are committed to obtaining the best possible result for every client and we may be able to help you.  We have dedicated our careers to protecting the rights of the victims so you can depend on us to do everything we can to win your case.  When you work with our firm, you will be in constant contact with your attorney throughout the entire process and you will always know how your case is progressing.  We understand that you are trusting us with some very personal matters so that’s why we make sure to give you the courtesy of being completely transparent during our time together.

Contact us to schedule a free consultation.
Free Consultation

3 Quick Steps

  • Step 1

    Complete the short contact form and briefly tell us about your situation. An attorney will review your information within a few days and determine if you have been treated unlawfully.

  • Step 2

    After you sign a retainer agreement, we'll handle everything going forward and you will be updated along the way!

  • Step 3

    Collect up to $1,000.00 for each account in collection. Regardless of the results, our service is always FREE to you!

At no time whatsoever will we ever ask you for a penny!
Free Consultation

Most Common Violations:

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Frequently Asked Questions

What is the FDCPA?

The Fair Debt Collection Practices Act (FDCPA) requires that a collection agency make certain disclosures and prohibits the collector from engaging in many kinds of abusive or deceptive behavior.  The FDCPA applies to debt collectors, but not to original creditors collecting their own debts.The term “debt collector” includes someone who regularly collects debts for others, or whose main business is collecting debts.

What is illegal under the FDCPA?

While this is not a complete list, here are the most common FDCPA violations.

Debt collector’s MAY NOT:

  • Misrepresent, miscalculate, or inflate the amount of the debt.
  • Threaten IRS reporting or tax consequences, if untrue.
  • Contact you after 9pm or before 8am, unless you have requested that they do so.
  • Call your cell phone without permission.
  • Continue collection after filing for bankruptcy.
  • Continue collection after writing and telling them to stop.
  • Harass, oppress, or abuse you.
  • Continue collection efforts after you write them to stop.
  • Threaten legal action, or sue, on a time-barred or “stale” debt.
  • Threaten wage garnishment.
  • Threaten a lawsuit when none is intended.
  • Provide inaccurate or false information to the credit bureau.
  • Fail to report your disputed debt as disputed to the credit bureaus.
  • Contact you after representation by an attorney.
  • Place private, personal information that is visible through, or on, a mailing envelope.
  • Fail to disclose that they are a debt collector.
  • Represent that they operate or work for a credit bureau.

What is the FCRA?

The Fair Credit Reporting Act (FCRA) provides protection against the misuse and misreporting of your credit information.  The FCRA governs the behavior of consumer reporting agencies (also called credit bureaus) and the businesses or individuals that report information to the consumer reporting agencies (CRAs).  The FCRA tells CRAs, creditors, and other authorized persons what they can and cannot do with your credit information.

What is illegal under the FCRA?

While this is not a complete list, here are the most common FCRA violations.

Creditors and Credit Bureaus MAY NOT:

  • Fail to report that a debt was discharged in bankruptcy.
  • Report old debts as new or re-aged.
  • Report an account as active when it was voluntarily closed.
  • Report information that is beyond the permitted statutory reporting limit.
  • Report a debt as charged off when it was settled or paid in full.
  • Misstate the balance due.
  • Report late payments when they were paid timely.
  • List you as a debtor on an account when you were only the authorized user.
  • List information of a stranger who shares a similar name or social security number.
  • Fail to notify a creditor that you dispute the debt that it has reported.
  • Correct or delete any inaccurate, incomplete or unverifiable information within 30 days.
  • Indicate that you dispute the debt.
  • Provide your report to someone without a valid need.

What is the TCPA?

The Telephone Consumer Protection Act (TCPA) was passed by Congress in response to an increasing number of consumer complaints about telemarketer and debt collector phone calls.  The TCPA specifically restricts the practices of telemarketers and debt collectors and their use of automated dialing and pre-recorded voice messages with regard to: cellphones; residential phone lines; text messages, and unsolicited faxes.  It also restricts telemarketers from calling consumers who have registered with the do not call registry.

What is illegal under the TCPA?

The TCPA prohibits use of automated calls, pre-recorded messages and text messages to cell telephones.  The law applies to all cellphones whether used for business or personal use.  A telemarketer or debt collector violates the law every time it makes an automated “robo” call, pre-recorded message, or text message to a consumer’s cell phone, unless the consumer previously gave the telemarketer or debt collector permission to call.

The TCPA prohibits pre-recorded messages for calls made to residential telephone lines.  It only applies to solicitations from telemarketers/sellers with whom the consumer does not have an “established business relationship.”

The TCPA prohibits any solicitations calls to those consumers whose telephone numbers are registered on the do not call list.

Under the TCPA, telemarketers and debt collectors using an auto dialer are also forbidden from other practices, including calling the consumer before 8:00 a.m. or after 9:00 p.m.  The caller must additionally, during any call, provide his or her name, the name of the business entity on whose behalf the call is being made, and a telephone number or address at which the person or entity can be reached.

What types of accounts qualify for the FCRA, FDCPA, & TCPA?

It must be “consumer related” and not a business account.  For example — credit cards, medical bills, personal loans, student loans, charge-off’s, judgments, foreclosures, IRS liens, state tax liens, and repossessions.

Are your services really free?

Yes, it’s really free!  If an attorney believes that you have been treated unlawfully in accordance with the FCRA, FDCPA, or TCPA, we will provide free legal representation.  You will never be charged a penny for any work, even if your case losses in court.  Please read the “WHY FREE” section located near the top of the website for a more detailed explanation.

Will I receive something in writing?

Absolutely!  You will receive a retainer agreement which will provide all of the important terms in writing.  You will carefully review it prior to signing.

Is it true that I can also receive compensation?

Yes.  In addition to the defendant(s) covering your legal fees and expenses, you may also be entitled to compensation and of course corrections to your credit reports.  You will receive a statutory award and possibly a damages award.

Do all of my matters qualify?

Unfortunately, no.  We will review your submitted information and contact you to advise you whether we believe if your legal rights have been violated.  While we certainly understand that you may be upset with receiving debt collector letters or negative information on your credit reports, we can only provide our services to you if we believe that you have been treated unlawfully.

What do I need to submit?

You only need to submit the short contact form by simply providing your name, email, phone#, city, state, zip code and a description of your matter.  You can also attach a file.  That’s it!  Please be sure to provide as much detail as possible so that we can have a good understanding of your situation.  You may also submit this information via email to or by fax to (800) 604-2660.

Will you represent me after the information is submitted?

Unfortunately, no.  Submitting any information to our law firm will be reviewed by an attorney.  However, there will not be an attorney client relationship until after an attorney reviews your information, speaks with you, and a retainer agreement has been signed.

When will my information be reviewed?

After you submit your information, you will immediately receive a confirmation email.  It may take up to 30 days for an attorney to review your information and determine whether your legal rights have been violated.  We certainly understand that noone likes to wait but there are numerous factors that go into deciding whether to accept a case so we ask that you please be patient with the process.

How long will it take to resolve my matter?

Since there are numerous factors which typically influence the amount of time that it takes to resolve a matter, it’s unfortunately impossible to predict an exact period of time.  While the average time frame is approximately 6 months, we’ve also seen some matters take a little less and others take longer.

Are you experienced with FCRA, FDCPA, & TCPA matters?

Absolutely!  Please read our “About Us & Our Motto” section for more detailed information.

Do you do credit repair?

We are not a credit repair organization.  A credit repair organization typically charges a monthly fee or flat fee for their services and mails dispute letters on your behalf to creditors, collection agencies, and credit bureaus.  This is not what we do.  Our law firm files lawsuits when your legal rights have been violated and often times results in incorrect information being removed from your credit report(s).  While there are numerous types of accounts that have a negative impact on a consumers credit score, the following is a list of the most common: Student Loan Default, Foreclosure, Judgments, Charge-offs, IRS Liens, State Tax Liens, Repossessions.  If left unresolved, it typically leads to Wage Garnishment and Frozen Bank Accounts.  Please reach out to a credit repair organization if you require credit repair services.

Can you help a victim of Identity Theft?

Yes.  We can help you with issues arising from identity theft cases.  Common issues arise if your identity has been stolen and credit is opened in your name which then gets reported to the credit bureau(s).  We will work with you in getting this unlawful information removed from the credit bureau(s).  If Equifax, Experian, or Trans Union does does not remove the unlawful information after you have disputed it, you may be entitled to file a lawsuit against them.  Here is a recent example: Client discovers false information that did not belong to them on their credit reports and disputes the information to the credit bureaus. The credit bureaus supposedly “verified” the fraudulent information and the disputed fraudulent information remains on the identity theft victim’s credit reports.

Can you help me with a recent Background Check?

Yes.  Many consumers do not know that background checks are not always lawful and consumers have certain legal rights especially if there is inaccurate information contained on your background report which prevented you from obtaining housing, employment, etc.  An experienced background check attorney can help you with such matters.  Here is a recent example: Client receives a job offer contingent upon a clean background check. Employer obtains background report concerning the client and the background report includes criminal convictions that did not belong to client and the job offer was rescinded.ccurate criminal history.  Also, a Client applies for an apartment and the company obtains a background report that includes criminal arrests or convictions that do not belong to client. Company denies client’s application for housing due to an inaccurate criminal history.

What is a Post-Bankruptcy Violation?

Here’s an example — Client filed a petition for Chapter 7 bankruptcy.  Their bankruptcy was discharged by the court.  Client obtains their credit reports from Equifax, Experian and Trans Union and discovers accounts included in her bankruptcy that are not being reported with a $0 balance and are being reported as past due.  The credit reports included outdated information as the bankruptcy discharged their indebtedness.

What is a Mixed Credit File?

A client obtains their credit reports from the credit bureaus and notices information that relates to someone else (perhaps a family member, ex-spouse, someone else with similar personal information).  The credit bureaus “mixed” their credit file with someone else’s credit file because they have the same / similar name and perhaps shared the same address at some point in time.  As a result, the client’s file contained false information that did not belong to them and negatively affected their credit score and ability to get credit.  Client disputed the false information, but the credit bureaus supposedly verified that the information belongs to the client.

What other matters do you handle?

We can also handle auto fraud, business law, employment law, intellectual property, business litigation, and personal injury cases.

Can I refer my family and friends to you?

Yes, absolutely!  The greatest compliment that we can ever receive from a satisfied client is the referral of their family, friends, and coworkers.  Please make sure that your name is provided when they contact us.  Referrals can be sent to

Can I ask more questions before I complete the short online form?

We love questions!  Feel free to call us at (800) 604-0466 beween 9:00 a.m. through 6:00 p.m. Eastern Standard Time, or email us anytime at  You can also chat with us using the Chat feature located on the bottom of every page.

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