Welcome to
Michaud Consumer Law
We at Michaud Consumer Law (MCL) have vast experience achieving settlements of hundreds of thousands of dollars against companies large and small. We litigate class as well as individual actions to recover damages for clients who are the victims of unfair, fraudulent and deceptive acts and practices. From credit-reporting agencies refusing to remove incorrect and derogatory reporting from your credit reports, to debt collectors harassing debtors for debts they do not owe (or do), to banks and mortgage companies foreclosing on homes despite being paid, MCL litigates these issues through trial, both in state and federal courts.
About MeMr. Marc Michaud
Mr. Michaud focuses his practice on Fair Credit Reporting, Fair Debt Collection Practices and Unfair Trade Practices litigation. In this capacity, Mr. Michaud currently serves as lead counsel in several ongoing consumer protection cases involving national banks, mortgage servicers and credit reporting agencies, and has previously served in the same capacity in several successfully resolved cases.
Mr. Michaud secured reversal and remand from the United States Court of Appeals for the Fifth Circuit in a case involving dual-tracking, robo-signing and notably, the effectiveness of a liability shield between limited liability companies and series limited liability companies created within the structure of the parent LLC in Alphonse v. Arch Bay Holdings, LLC, No. 13-30154, 2013 WL 6490229 (5th Cir. Dec. 11, 2013).
Mr. Michaud secured reversal and remand from the United States Court of Appeals for the Fifth Circuit in a case involving dual-tracking, robo-signing and notably, the effectiveness of a liability shield between limited liability companies and series limited liability companies created within the structure of the parent LLC in Alphonse v. Arch Bay Holdings, LLC, No. 13-30154, 2013 WL 6490229 (5th Cir. Dec. 11, 2013).
OUR Practice Areas
We focuse on five primary sub-practice areas: Unfair Credit Reporting/Identity Theft; Unfair Debt Collection, Solicitation, Junk Faxes and Auto-Dialers; Mortgage Servicing Fraud; Data Breaches and Digital Security; and Debt/Foreclosure Defense.
UNFAIR CREDIT REPORTING/IDENTITY THEFT
Everybody is familiar with identity theft; it is nearly impossible to turn on the television or radio without hearing about some credit monitoring service that promises to protect consumers from this all-too-common menace.
UNFAIR DEBT COLLECTION,SOLICITATION,JUNK FAXES & AUTO-DIALERS
Federal law regulates debt collection and solicitation by telephone. Most people are aware of the so-called “no-call” lists. While inclusion on such lists is supposed to guarantee that a consumer will not receive such calls, such is not always the case.
MORTGAGE SERVICING FRAUD
Since the global financial crisis in 2008, consumers have been faced with many difficulties when dealing with mortgage servicers. In particular, mortgages that were sold into the secondary market, and/or securitized, were very often misplaced, lost or even intentionally destroyed.
DATA BREACH & DIGITAL SECURITY
Companies large and small maintain their customers’ personal and financial information on, or in, reportedly secure data-bases. This information may include social security numbers, bank account and credit card numbers, dates of birth, addresses, and even buying habits.
DEBT/FORECLOSURE DEFENSE
Sometimes, people fall behind on their payments for completely innocent reasons: job loss, sickness/hospitalizations, natural disasters, or just plain bad luck. This can lead to scenarios where you are unable to make that mortgage payment, the car notet,
Connect with us
We know that many of our clients often have to make significant time sensitive decisions. Understanding all their situations, we keep options open for assessing the potential risks that are associated with those decisions and come up with outcomes that our clients need. We have always been appreciated by our clients for our ability to provide concrete advice, which helped them with practical solutions. We use easily comprehendible language to explain complex legal issues to our clients (awkward).