Kelly Guzzo, PLC

06/01/2026

⚖️ Kelly Guzzo, PLC is investigating Post Lake Lending and other tribal payday lenders.

Some tribal lenders have issued loans with interest rates reportedly exceeding 750% APR, while claiming tribal law exempts them from state lending regulations.

Courts across the country have increasingly scrutinized these lending structures and the use of tribal affiliation to avoid state usury and consumer protection laws.

If you've obtained a loan from Post Lake Lending or another tribal lender, you may have legal rights.

👉 Read more about the investigation and your options here: https://www.kellyguzzo.com/post-lake-lending-tribal-payday-loans/

05/06/2026

Results matter—but what our clients say matters more.

See their stories: https://www.kellyguzzo.com/testimonials/

04/23/2026

ICYMI:🚨 Mixed credit can seriously damage your credit report 🚨

Kelly Guzzo, PLC recently resolved a Virginia lawsuit against Experian, Equifax, and TransUnion involving mixed credit—when one person’s credit file is incorrectly combined with another’s.

👉 Read more about the case: https://www.kellyguzzo.com/mixed-credit-lawsuit-virginia/

04/20/2026

🎓 Virginia student loan borrowers may be seeing unexpected balance increases under the SAVE Plan.

The SAVE Plan was designed to prevent interest from growing for borrowers making on-time payments—but some servicers may not be applying those protections correctly.

Kelly Guzzo, PLC is currently investigating whether companies like Aidvantage and MOHELA are improperly charging interest and reporting inaccurate balances.

These errors can have real financial consequences—not just for loan balances, but for credit as well.

👉 Read more about what’s happening and what borrowers can do: https://www.kellyguzzo.com/virginia-save-plan-student-loan-errors/

03/26/2026

🚨 Background Check Errors Can Cost You Opportunities

Did you know that inaccurate or misleading information on a background check could stand between you and the job or home you want? Unfortunately, these errors are more common than many people realize.

Some of the most frequent issues include:
▪️ Misdemeanors incorrectly reported as felonies
▪️ Criminal cases listed without a final outcome, making them appear pending
▪️ Plea deals not properly reflected, exaggerating the severity of a sentence
▪️ Duplicate reporting of the same case, creating the appearance of multiple offenses
▪️ Criminal records that don’t belong to you at all

Under the Fair Credit Reporting Act (FCRA), background check companies are required to conduct a reasonable investigation when you dispute inaccurate information. If errors go uncorrected, you may have legal options.

Read more: https://www.kellyguzzo.com/practices/background-check-issues/

03/16/2026

⚖️ Kelly Guzzo, PLC has filed a class action lawsuit challenging an alleged tribal payday lending scheme.

The lawsuit, filed in the Eastern District of Virginia, alleges that a network of payday lenders issued small-dollar loans with triple-digit interest rates — often exceeding 400% — while falsely claiming affiliation with the Mohawk Community of Kahnawake to evade U.S. state lending laws.

These types of arrangements have increasingly come under scrutiny as lenders attempt to bypass state usury and consumer protection laws.

👉 Read more about the case and the allegations here: https://www.kellyguzzo.com/payday-lender-tribal-affiliation-lawsuit/

03/10/2026

⚖️ Inaccurate credit reporting can follow consumers even after bankruptcy.

Kelly Guzzo, PLC recently filed a lawsuit in Hawaii federal court against Equifax, Experian, and TransUnion, alleging violations of the Fair Credit Reporting Act (FCRA) for failing to correct discharged student loans.

After receiving a full bankruptcy discharge, our client discovered her loans were still being reported as outstanding while seeking mortgage pre-approval. Despite providing documentation, the inaccuracies allegedly remained.

Credit reporting agencies have a legal duty to conduct reasonable investigations. When they fail to do so, consumers can suffer serious financial consequences.

👉 Read more about the case and your rights under the FCRA here: https://www.kellyguzzo.com/hawaii-fcra-lawsuit-discharge-credit-reporting/

02/26/2026

Bank fraud costs Americans billions each year — and while the Electronic Fund Transfer Act (EFTA) offers important protections, coverage isn’t always straightforward.

The National Association of Consumer Advocates (NACA) is hosting an upcoming webinar, EFTA 101: Practical Strategies for Consumer Advocates, and Kelly Guzzo, PLC attorney, Pat McNichol will be a featured speaker.

This session will break down the scope of the EFTA and explore how to identify transactions covered by the statute. Attendees will also walk through fact patterns based on real-world scenarios and gain practical litigation tips they can put to work immediately.

If you have questions about payment fraud matters, this is a great opportunity to sharpen your strategy.

Register here:

If you want to better understand when the EFTA applies, please join us for this webinar

02/24/2026

🚨 Bitcoin ATM scams are increasingly targeting seniors.

Kelly Guzzo, PLC recently filed a lawsuit in Maryland against Athena Bitcoin, Inc. and Genesis Coin, Inc., alleging their cryptocurrency ATMs lacked reasonable safeguards to prevent fraudulent transactions.

In this case, a 75-year-old woman was pressured by scammers impersonating her bank to withdraw funds and deposit them into a Bitcoin ATM — instantly transferring the money to a scammer’s wallet.

As these scams continue to rise, operators of cryptocurrency ATMs must take meaningful steps to prevent foreseeable abuse.

👉 Read more about the lawsuit and the legal issues involved here: https://www.kellyguzzo.com/maryland-bitcoin-atm-scam-lawsuit/

02/14/2026

We love receiving love from our clients and partners ❤️