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CONSUMER LAW ATTORNEY

At McCarty & Raburn, our Mission is to guide our clients to a positive outcome in court that improves their financial and credit situations and in turn leads to better and happier lives for them and their families.

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During the consultation, we will help you to understand your legal options and determine if we can assist you with your case.

You have nothing to lose, and everything to gain.

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Consumer Law

One of the most rewarding parts of practicing this area of the law is that both the FCRA and FDCPA call for the Defendants, not the consumers, to pay attorney’s fees and costs. So what does this mean for you? If you have a legitimate case, your personal income will not have any effect on the quality of your representation. We represent clients that make minimum wage the same way we do client’s with six figure incomes. We always explain our fee structure to you before we begin your representation.

Our firm represents clients all over the United States. We only practice in Federal Courts and do not defend any cases. If one of our attorneys does not have a license in your area, we will hire local counsel for you at no extra charge to you as the client.

Our Glowing Client Reviews

Zavian

“Jonathan and Kyle were able to file a lawsuit on my behalf. And, amazingly, they walked me through the process and I was able to get a six-figure settlement. And I didn’t have to pay anything! Thanks again Jonathan and Kyle; you guys are amazing!” – Zavian

Michael

“I would like to thank Jonathan Raburn for taking my case on. Thank you, we came out a winner!” -Michael

37+ Years of Legal Experience

500+ Clients Supported and Counting

Strategic & Aggressive Representation

Skilled Litigators & Courtroom Credit Error Attorneys

About Us

What Sets McCarty & Raburn Apart

The three major credit reporting agencies produce credit reports and scores based on the information in a consumer’s credit file. Sometimes, information not belonging to you may appear on your credit report. This inaccurate information could include credit applications or denials not belonging to you, or the information could be more personal in nature, such as an inaccurate social security number or date of birth. Additionally, you might see collection accounts or credit cards on your credit report that do not belong to you.  Inaccurate information appearing on your credit report could imply an identity theft issue or that the consumer’s file has been mixed with that of another person. File mixing occurs when information that should appear on one consumer’s credit file is erroneously placed on the credit file of another consumer. Unfortunately, file mixing issues can be very difficult to correct and more common than you might think. One credit reporter estimates that up to six million Americans have mixed credit files. 

It is your responsibility to verify the accuracy of your credit report. You can do this by checking your credit report regularly. If you notice inaccurate information on your credit report, you should consider hiring an attorney. Consumers that have suffered damages because of a mixed credit file, have the right to make a claim for damages in Federal Court. Our law firm can help. With a combined 37 years of experience, our attorneys at McCarty & Raburn, A Consumer Law Firm, PLLC, have successfully represented victims of credit reporting errors.

We Litigate Inaccurate Information on Your Credit Report

Get a Free Copy of Your Credit Report

Due to the COVID-19 Pandemic, everyone in the United States is now entitled to one free credit report from each of the 3 credit reporting agencies per week. Annualcreditreport.com is a free website set up by the three major credit reporting agencies per the request of the federal government. McCarty & Raburn is not affiliated with this website in any way and cannot guarantee its security since we do not have any control over it.


*We are not affiliated with Annual Credit Report*

Credit Reporting Errors Can Be Life-Changing

An inaccuracy on your credit report could mean:


  • A Denied Mortgage Loan
  • A Denied Car Loan
  • Higher Loan Interest Rates
  • Inability to Get a Credit Card