Inaccuracy Guru

Michael Ramsey

Michael Ramsey is an Inaccuracy Guru
Contact Us
+1 877-615-1725info@consumerattorneys.com
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main street Flushing, NY 11367 (“CA”) , hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, or if CA determines to decline representation for any other reason, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2025CA119

I have read and agree to the Privacy Policy, Investigative Retainer
Supported file formats:

Michael Ramsey

“The opportunity to make a meaningful difference in the lives of those who have faced financial hardship or reputational harm due to inaccurate credit reporting is what drives my professional commitment.”

Michael Ramsey is an Inaccuracy Guru dedicated to using the Fair Credit Reporting Act (FCRA) to assist people who have been adversely affected by reporting inaccuracies. In his role, Michael is a passionate advocate for justice by helping clients who have been wronged, ensuring that they are not unfairly penalized due to errors beyond their control. He finds it incredibly rewarding to help clients obtain the fairness and legal protection they deserve, and does this by focusing on providing guidance, resources, and advocacy.

Outside of work, Michael is an avid cook who also enjoys playing and watching soccer and reading. He cherishes spending quality time with his loved ones, as they are a constant source of support and inspiration.


Feel free to contact Michael at +1 929-538-3614

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Practice Areas
Credit Reporting Errors Attorneys
Our experienced credit report error attorneys help you fight back when you lose out on opportunities due to inaccurate, misleading, or false information in a credit report or other consumer report. This includes common mistakes like clerical errors, mixed credit reports, false deceased designations, and reporting old information (like a bankruptcy). Credit reporting errors lead to things like being denied a mortgage, refinancing, personal loan, or car loan; losing out on a job, apartment, or vacation rental; being rejected for insurance, lines of credit, or store cards; or being barred from getting the best interest rates and loan terms. See more
Background Check Errors Attorneys
Our experienced background check error attorneys help you fight back when you lose out on opportunities due to inaccurate, misleading, or false information in a background check report or tenant screening report. This includes things like false criminal information, misreporting the classification of charges, duplicate criminal entries, failing to indicate dropped charges, and reporting expunged/sealed convictions. Background check errors lead to things like being rejected as a new hire, denied a promotion, blocked from a security clearance, fired from a current job, or denied rental opportunities. They're a problem in the ride-share, store shopper, and personal shopper industries. See more
Identity Theft Attorneys
Our experienced identity theft attorneys help you fight back against the wide variety of consumer reporting mistakes that happen following identity theft. While you may be able to pursue criminal charges against identity thieves, you are frequently left without options for cleaning up your financial accounts and credit reports. If you’ve filed notices, disputed unauthorized activity, and challenged false loans and fraudulent accounts, but financial institutions and credit bureaus keep including wrongful data in your consumer reports, there are laws that protect you. Some legal options are time-sensitive, so it is important to act quickly to enforce your rights. See more
Debt Collection Harassment Attorneys
Our experienced debt collection harassment attorneys help you fight back against debt collectors and debt collection agencies who (1) aggressively pursue you for payments on personal, medical, or household debts based on misleading, inaccurate, or false information, (2) pursue you for debts in a manner that is in direct defiance of the clearly established debt collection laws, (3) attempt to collect debts on medical bills arising out of covered workers' compensation or Medicaid claims, or (4) use intimidation tactics like falsely implying that a debt must be paid by you immediately, in contradiction to the facts and the law. See more
Employment Discrimination Attorneys
Our experienced employment discrimination attorneys help you fight back against illegal treatment at your workplace. Employment discrimination is targeting or preferring employees based on their status as a member of a protected group (or “class”) rather than their work performance, talent, or experience. Protected classes include categories such as age, race, sex, gender, disability, marital status, military status (including veteran status), pregnancy, national origin or ethnicity, religion, and sexual orientation. Employment discrimination can be direct (targeted actions or preferences) or indirect (policies with an unfair impact on one class). Knowing what counts as discrimination involves a nuanced factual and legal analysis. See more
Labor and Employment Attorneys
Our experienced labor and employment dispute attorneys help you fight back against workplace exploitation and disputes that arise out of your rights as an employee. This includes employee abuses such as unpaid or underpaid minimum wages, failing to pay overtime, forcing employees to work in unsafe conditions, refusing meal or rest breaks, ignoring workplace health and safety standards, unfairly denying family and medical leave, and more. While exploitative and illegal labor practices occur in every industry, some of the highest incidences of overtime and minimum wage disputes occur in food service, retail, home care, janitorial services, and construction. See more
Our Team
Adam Barlowe is a Debt Harassment Wiz who understands the importance of helping clients achieve peace of mind during financial hardship. His work in the field of protecting consumers against debt harassment has taught him that prompt responses to his client's requests can make an enormous difference in how they feel and how soon they can get compensation. Focused on getting proof of violations, he makes it a point to have the documents in the attorneys' hands by the end of the day. In his professional career, Adam finds it inspiring when consumers who he once helped come back to Consumer Attorneys later for help on other consumer protection issues. On his days off, Adam enjoys nature, wildlife photography, and Latin dancing.

Adam Barlowe

Debt Harassment Wiz

"When debt collectors don't obey the law, I love to make them regret those early morning texts or back-to-back phone calls during lunch breaks."

Hope Bennet is an Inaccuracy Guru with a passion for making a difference in people’s lives.

Hope Bennet

Inaccuracy Guru

"I love combining my professional expertise with my natural inclination to help others, making every success story truly fulfilling."

His role involves collecting evidence and documentation, communicating with clients to explain the legal process, and connecting clients with the right attorneys to handle their case. Over the past three years at Consumer Attorneys, Kevin has helped more than one hundred and fifty clients address inaccuracies in their background reports, successfully achieving error corrections and monetary compensation for lost wages, financial losses, and emotional distress. Kevin also collaborates with the marketing team to ensure seamless access to our services for those affected by inaccurate credit or background reporting. Outside of work, Kevin enjoys astrophotography, music, and spending time with his energetic German Shepherd.

Kevin Brown

Background Guru

"I am dedicated to guiding clients through the initial stages of their cases with compassion and expertise, ensuring they feel supported every step of the way."

FCRA Wiz and Workplace Discrimination Guru Aisha Dwain

Aisha Dwain

FCRA Wiz and Workplace Discrimination Guru

"I find deep resonance with the clients I help. The types of problems that lead people to Consumer Attorneys are very relatable and easily recognizable as unjust."

David works closely with clients who have been victims of identity theft

David Effy

Identity Theft Wiz

"As a law student in my fourth year at university, I am passionate about using my legal education to make a meaningful impact."

FCRA Wiz Alice Green

Alice Green

FCRA Wiz

"Driven by my passion for making a meaningful impact and upholding justice, I am committed to empowering clients by ensuring they understand their rights under the FCRA."

Tanya Hernandez is an Theft Wiz with a passion for helping people resolve identity theft cases.

Tanya Hernandez

Identity Theft Wiz | Spanish Speaker

"I find great satisfaction in helping people reclaim their lives after they’ve been victimized."

Cory Hinson is an EFTA Geek who finds great fulfillment in making a positive difference in people’s lives.

Cory Hinson

EFTA Geek

"I am a proactive person, constantly looking for new, inspiring opportunities where I can show my personality and become a valuable member of the team."

Stacy Hunter is an Identity Theft Wiz who is passionate about educating the public and businesses on identity theft prevention

Stacy Hunter

Identity Theft Wiz

"I thrive on solving complex problems, using my analytical and investigative skills to detect and prevent fraud. Every case I handle is unique, making my work dynamic, intellectually stimulating, and full of variety."

Investigation Sleuth Dean Ivanovich

Dean Ivanovich

Investigation Sleuth

"I am a happy man because I have a family that I love at home, and another family that I love at my workplace. I'm lucky enough to have found a job that I love and to be surrounded by my co-workers who share the same willingness to fight for justice and to help people."

Rosie Johansen is a Debt Harassment Wiz who is deeply committed to helping consumers regain control of their financial well-being. Rosie recognizes that debt harassment is not just a legal issue—it’s a personal one, impacting emotional health, peace of mind, and confidence. She enjoys knowing that her work makes a tangible difference in her clients' lives. Whether she's holding debt collectors accountable, stopping unlawful practices, or giving clients the tools they need to rebuild, Rosie thrives on seeing the relief and hope that comes when the weight of harassment is lifted. When she's not advocating for her clients, you can find her exploring new hobbies, including fitness or creative pursuits like pottery or cooking. She values personal growth and building meaningful connections.

Rosie Johansen

Debt Harassment Wiz

"My ability to empathize with clients, combined with a thorough knowledge of consumer protection laws, makes me effective in delivering results."

Hunter Kovacic is a skilled Mixed File Guru

Hunter Kovacic

Mixed File Guru

"I understand how frustrating and stressful mixed file issues can be. My goal is to provide clarity, guidance, and effective solutions so my clients can regain control of their personal and financial records with confidence."

Background Guru Kira Liepa

Kira Liepa

Background Guru

"I truly love what I do as a background check specialist. For me, this job is not just about reviewing reports and disputes—it’s about helping people reclaim their opportunities."

Angela Martinez is an Identity Theft Guru. Throughout her career, she has refined her focus on assisting clients with legal matters involving identity theft, consumer protection, and personal privacy.

Angela Martinez

Identity Theft Guru | Spanish Speaker

"I chose to work in this field because I know how devastating identity theft can be. It is rewarding to help victims reclaim their lives and protect their futures by educating them about their rights and legal options."

Elaine believes deeply that consumers have the right for their information to be reported accurately, and when that fails to happen, they have the right to get justice. Throughout her professional career, she has been directly impacted by the ways that consumer reporting mistakes affect people's lives and has nurtured a willingness and a desire to help them in the best possible way.

Elaine Meyer

Inaccuracy Guru

"The fact that we can help someone without charging them anything makes me feel like I am really helping to make their life better, and I love that it makes this service more accessible for everyone."

Judy Miller is a Background Guru

Judy Miller

Background Guru

"I love working in a role that allows me to stay organized, dig into research, and focus on the details. My goal is to support legal teams by making sure every case has accurate and complete information."

FCRA Guru Mark Morgan

Mark Morgan

FCRA Guru

"I see law as the art of goodness and justice, guiding us to uphold fairness and protect the rights of all individuals."

FCRA Wiz and Workplace Discrimination Guru George Morgan

George Morgan

FCRA Wiz and Workplace Discrimination Guru

“I believe that every individual deserves to be free from prejudice, inequality, and disempowering data errors. In my view, we all have a fundamental right to be treated with dignity and respect.”

Consumer Reporting Wiz Leyla Nilsson

Leyla Nilsson

Leyla Nilsson

"What truly excites me about my role is the ability to be a part of a team that stands up for the rights of ordinary people, fighting for them when they are at their most vulnerable. I am proud to assist in ensuring that financial institutions and other entities adhere to the laws designed to protect consumers."

Identity Theft Guru Damien Novak

Damien Novak

Identity Theft Guru

"If our clients are to move forward with their lives, it is essential that we meet the problem head-on and resolve credit reporting problems as quickly as possible."

Ivy Olsen is an Identity Theft Wiz focused on helping people through the arduous task of recovering from identity fraud

Ivy Olsen

Identity Theft Wiz

"I enjoy helping clients regain security and confidence after identity fraud."

Miranda Parker is a Background Guru who moved to New York to begin her legal career after graduating from Atlanta Technical College. Since working at Consumer Attorneys, Miranda has found that helping clients understand and enforce their rights and providing them with effective solutions has not only been to their benefit, but to hers as well. The client connections she makes through work have consistently brought her happiness and instilled a sense of purpose in her career. Miranda deeply values the opportunity to create a foundation of trust and justice for her clients.

Miranda Parker

Background Guru

"For me, being a Background Specialist is more than just a job—it’s an opportunity to use my knowledge and skills to support clients in achieving fairness and justice."

Ariana Rossi is an Inaccuracy Guru with a particular focus on the Fair Credit Reporting Act (FCRA)

Ariana Rossi

Inaccuracy Guru

"I am passionate about this work because I know how much an incorrect report can impact someone's life."

Mixed File Guru Audrey Sanders

Audrey Sanders

Mixed File Guru

"Every case I handle is personal because I understand that behind every file is a person—someone who deserves accuracy, fairness, and a future free from unnecessary obstacles."

Alma Sierra is a Background Guru dedicated to ensuring accuracy and reliability in every report she handles. With a focus on identifying and correcting background check errors, she is able to ensure that the information her clients receive is clear, precise, and trustworthy. Alma also emphasizes a consistent attention to detail that helps create safer and more dependable outcomes for her clients. She finds that helping people achieve the corrections and outcomes they need to recover financially and emotionally makes her work incredibly rewarding and fulfilling, and she approaches every task with focus and professionalism, striving to deliver exceptional results for every client, every time. Outside of work, Alma enjoys solving puzzles, reading detective stories and exploring the outdoors, and spending time with family and friends.

Alma Sierra

Background Guru

"I’m passionate about this work because I understand the importance of accurate background checks in fostering trust and enabling confident decisions."

Background Guru Oscar Vzorov

Oscar Vzorov

Background Guru

"Everyone deserves fair and accurate representation in their background and credit reports. I’m committed to helping individuals correct errors and reclaim their opportunities."

Bruno West is a Deceased Geek

Bruno West

Deceased Geek

"My favorite thing about being a Deceased Specialist is having a laugh with a client. I believe that laughter is much better than tears when it comes to solving a problem. I love meeting people who can relate."

Inaccuracy Guru Lia Young

Lia Young

Inaccuracy Guru

"Having understood the situation, supporting and guiding my client, I lead them step by step to achieving their goal."

Amber Yurga is a Background Guru

Amber Yurga

Background Guru

"My favorite thing about my job is hearing how thankful my clients are when I tell them, 'Don’t worry, we’ve got you.'"

    Contact Us
    +1 877-615-1725info@consumerattorneys.com
    INVESTIGATIVE ENGAGEMENT AGREEMENT

    You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main street Flushing, NY 11367 (“CA”) , hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1Please read carefully before signing:

    Authorization

    You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

    CA’s Exclusive Investigative Period

    CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

    Termination of Exclusive Investigation Period

    CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

    At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, or if CA determines to decline representation for any other reason, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

    The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

    Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

    Your Involvement and Promises to us

    You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
    You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

    You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

    Fees and Costs Incurred During Exclusive Investigative Period

    CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

    You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

    Authorization to Use Your Electronic Signature

    CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

    1You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

    All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

    FORM # INV2025CA119

    I have read and agree to the Privacy Policy, Investigative Retainer
    Supported file formats:
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    You pay nothing. The law makes them pay.
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