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| FAIR CREDIT REPORTING AND FAIR DEBT COLLECTION LITIGATION |
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| The following email was received from my client on September 23, 2005: Paul, You have turned a very stressful situation to an educational and a fruitful one. I wish everyone who is about to be victimized by these predators could know that there are people like you out to defend them. I cannot emphasize to you how happy I am of the outcome of this lawsuit brought by this debt collector. I have talked to my friends and associates about your service and cannot speak highly enough of your service and expertise. Thank you for helping me close this case against me and turning what could have been a blow to my finances to a monetary settlement. Again, thank you. Nothing could be more satisfying as an attorney then receiving these kind of sentiments from current and former clients. Below is another email from a former client, sent to the person who referred him to me: "My attorney Paul E. Smith did an AWESOME job in defending me against a debt collector. I cannot express my gratitude enough for all his hard work and dedication to this case. I will always remember what he did for me. I will without hesitation, highly recommend Attorney Paul E. Smith to anyone being victimized by debt collectors in the Southern California area." My former client quoted above was sued by a debt collector in San Diego Superior Court. My firm defended the collection case resulting in dismissal within weeks. Then, we sued the debt collector in federal court for and obtained a settlement that included payment to my client and payment of my attorney fees. While getting a debt collector lawsuit dismissed was rewarding, and obtaining a settlement by filing a federal lawsuit was twice as rewarding, nothing can compare with the satisfaction of receiving an email like the one above. It is why I practice law, and I hope to repeat that result again and again. I represent consumers who have claims against debt collectors, creditors, or the credit reporting agencies. Contingency fee based representation is available for most cases (although certain actual costs may be the client's responsibility, such as the court filing fees). In addition, I defend consumers who have been sued by debt collectors, usually for a low flat fee. Note that most consumer litigation is fee-shifting, meaning if you are successful, the opposing party will likely have to pay all my attorney fees. Please contact me for a free consultation so that I may evaluate your case and answer any questions you may have. |
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| free, no-risk consultation (858) 679-3396 psmith@paulsmithlaw.com |
| representing california consumers |

| OUR LOCATION: 16870 West Bernardo Dr. Suite 400 San Diego, CA 92127 tel: (858) 451-3655 fax: (858) 630-4947 psmith@paulsmithlaw.com |
| ______________________ Outside California? Visit the National Association of Consumer Advocates to find a lawyer in your state that handles Fair Debt Collection and Fair Credit Reporting Cases. ______________________ |
| _______________________ Want the latest news on debt collectors and debt collection? Visit my Fair Debt Collection blog. _______________________ For detailed and sometimes explosive information about specific debt collectors, visit consumer advocate Bud Hibbs' excellent website. |