Helping You Protect
What Matters Most

Peace of mind comes from knowing you’re safeguarded as a consumer and where you stand financially for the present and future.

Credit Report Litigation

Credit Report
Litigation

Errant credit reports can negatively impact a consumers dealings with lenders, landlords, and employers. Learn about your rights under the Fair Credit Reporting Act (FCRA) and how Phillip Pool can help you navigate the statutes to protect your financial future.

Credit Report Litigation

Debt Collections
Litigation

Debt collectors must follow many federal and state laws, including the Fair Credit Reporting Act and Texas Debt Collection Act. Phillip Pool is familiar with these laws—even if the debt collectors aren’t—and will leverage the nuances of these laws to present the best case possible in hopes of obtaining a favorable outcome.

Credit Report Litigation

Real Estate Tax
Appraisal Litigation

Knowing what to expect while resolving property tax appraisal issues in Texas is a journey that requires patience and detailed expertise in property owners’ rights. Phillip Pool Law can guide you though this multistep, time-sensitive process with ease.

Dallas’ Consumer
Protection Ally

Helping You Protect What Matters Most

  Free Case Evaluation   Contact Us Today

Mr. Pool grew up in North Texas and has lived in Texas his entire life. He attended the University of Texas at Austin where he graduated cum laude with a degree in public relations. After working as a public relations professional, Phillip received his juris doctor degree, magna cum laude, from the Dedman School of Law at Southern Methodist University.

Mr. Pool received publication in The International Lawyer Journal for an article entitled War of the Cyber World: The Law of Cyber Warfare. In his spare time, Mr. Pool enjoys writing fiction novels, reading history, attending church, and reading newspapers for a newsletter he writes.

Headshot

There are not many Fair Credit Reporting Act litigators. The biggest companies don’t want you to know of a federal law that gives to any consumer a right to submit a valid dispute to a credit bureau, like Equifax or Experian. Some of the biggest companies in the world must investigate either a credit report or the information’s being supplied other in merely 30 days under the FCRA. Giants don’t like little people making them move fast.

I started this practice after working in public relations. This helps me empathize with my client’s in tough situations because no one is perfect and deserves to be treated fairly and honestly.

I am transparent with my clients about the potential rewards and the risks of the case. I set expectations so my potential clients are not shocked at the outcome of any lawsuit. At Phillip Pool Law Firm, we punch up for the consumer against the largest debt collectors and corporations who leverage their resources to win against a single consumer. Yet the consumer can use the corporations’ size against it and attorney Phillip Pool knows how. Phillip Pool treats each case as if it were own. Some lawyers will take a client’s money knowing there isn’t anything legally the lawyer can do besides try to settle. If all that is left to do is negotiate due to circumstances, a potential client can do that on their own. Phillip Pool likes to bring value to potential clients, not just accept their money.

Signature

Credit Report Litigation

Restoring your financial reputation.

Credit reports effect the decisions of lenders, landlords, and employers and other businesses. That is why in 1970 Congress passed the Fair Credit Reporting Act (FCRA). The FCRA provides individuals legal recourse against credit bureaus reporting inaccurate information. Companies furnishing information to the credit bureaus can also be liable. Because multiple entities are involved in furnishing and publishing credit reports, mistakes are not uncommon.

You must formally dispute the inaccuracy with the reporting credit bureaus in order to establish a valid FCRA claim. Attorney Phillip Pool highly recommends sending this dispute via U.S. certified mail return receipt requested. If helpful, Phillip Pool Law can aid in drafting the dispute and mailing it to the correct credit reporting agency.

Credit Report Litigation Services Offered:

Reporting Old
Information

This could happen when a fully-paid debt on your credit is still showing up on your credit report past the seven-year limit.

Reporting False
Information

Possible with a 30-day late mark with an on-time payment, or an incorrect balance or status reflecting “Charge Off” on a paid debt.

Mixed
Files

This can occur when another individual’s sensitive personal and financial information is inaccurately reported in someone else’s credit report.

Dispute
Violations

Credit bureaus are required by law to conduct reasonable investigations and thoroughly vet the information provided by credit furnishers.

Employment
Violations

Employers can’t take adverse action based on your credit report, and must provide you with pertaining documents to dispute inaccuracies.

Identity
Theft

With the rising numbers of thieves using stolen data to open credit accounts, the Fair Credit Reporting Act offers a remedy for these cases.

Debt Collection Litigation

Protecting your rights against abusive debt collectors.

The Fair Debt Collection Practices Act (FDCPA) was enacted in 1977 to protect consumers from abusive debt collection practices. The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts. The FDCPA also provides consumers with a private right of action to sue debt collectors who violate the law.

If you are being harassed by a debt collector, you may be entitled to compensation. Attorney Phillip Pool can help you understand your rights and take action against abusive debt collectors.

Real Estate Tax Appraisal Litigation

Seeking fair taxation for your property.

Each April the Chief Appraiser of an appraisal district sends out a Notice of Appraised Value, which includes information about the property and an estimate of what taxes may be owed on the property.

If you disagree with the appraiser’s estimate, you have the right to an informal hearing after mailing to the Chief Appraiser notice of protest stating the reason you disagree with the appraised value, such as due to the assessed value being over market value. Normally this must be mailed by May 15 or 30 days after the notice of appraised value was delivered to you. Once you send the protest letter, a notice will be mailed to you stating the day of the informal hearing. If you and appraisal district can agree on an appraisal value then the dispute is over.