The attorneys of Baxter & Baxter, LLP, are committed advocates for consumers. We are consumer lawyers in Portland, Oregon, specializing in cases with false credit reports, identity theft cases, unlawful debt collection cases, and consumer fraud cases.
Free Initial Consultation and Evening and Weekend Appointments
We represent victims of identity theft. We represent people who cannot get the credit reporting companies (Equifax, Experian & Trans Union) to correct false credit reports. We represent consumers who have been cheated or defrauded by unscrupulous businesses. We represent people who are receiving collection letters for bills they do not owe. We represent consumers who are being harassed by debt collectors.
Representing Consumers in Oregon and Washington
on a Contingency Fee Basis
Fair Credit Reporting Act Cases
Because of the prevalance of identity theft and other credit report problems, the lawyers of Baxter & Baxter, LLP, have specialized in litigating Fair Credit Reporting Act cases. These include cases against the "Big Three" credit reporting agencies (Equifax, Experian & Trans Union), as well as "furnishers of credit information". These cases often arise out of identity theft or false credit reports.
Unlawful Debt Collection Cases
Agressive debt collection agencies have actively pursued consumers in Oregon. Sometimes these calls and letters are for debts that the individual does not even owe! Even when the debt is owed, the debt collector cannot lie to, harass, or abuse a consumer. In some cases, the collection agencies report false information to the credit reporting agencies, compounding the problem of false credit reports.
Credit Reporting and Debt Collection Cases after Bankruptcy
The attorneys of Baxter & Baxter, LLP, have also observed an increase in the number of credit reporting and unlawful debt collection cases arising after bankruptcy. Bank mergers and acquisitions contribute to false information being reported the the credit reporting agencies, and can result in collection calls and letters for discharged debts. This website contains specific information about disputing false credit reports.
Practice Areas
Below is a sample of various types of cases Baxter & Baxter handles. It is not intended to be an exhaustive list, and it is not intended as legal advice. The information contained in this list is intended only as general information for the public and to assist consumers in determining if Baxter & Baxter, LLP can assist them. Please contact us directly if you have any questions about your case.
Credit Reporting Problems
Cases involving false credit reports,
inaccurate account information, etc. These include identity theft and fraudulent accounts (fraud), or accounts belonging to another person with similar names or other identifiers (mixed file). These cases also include accounts with inaccurate balances, amounts due, or other derogatory information. These cases also include accounts which are over the obsolescence period (seven years in most cases).
False Credit Reports & Inaccurate Credit Reports
Disputed information in false credit reports is
not deleted or updated with accurate information. These cases can include problems obtaining credit reports, contacting credit reporting agencies, or disputing credit report inaccuracies. These cases can also deal with creditors inaccurately reporting accounts. These cases can often overlap with unlawful debt collection cases.
Identity Theft & Fraudulent Accounts
Accounts belonging to another person, or opened fraudulent by an impostor appear on your credit report. Identity theft is among the fasted growing crimes in this country. It often hits home when innocent consumers are hit with collection calls and letters, or even lawsuits for bills they do not owe. These accounts can also come to a consumer's attention when they are in the process of seeking credit and they pull a credit report.
Inaccurate Credit Reports after Bankruptcy
Discharged accounts show false balances or amounts past due. Joint accounts discharged in one spouse's bankruptcy may appear as a bankruptcy in the non-filing spouse's credit report. Accounts may falsely be listed as charge-offs or other derogatory status codes. Accounts may have a false date of last activity, causing otherwise obsolete information to appear.
Unlawful Debt Collection
Debt collectors pursue consumers for debts not owed. These cases are particularly prevalent with the increasing epidemic of identity theft. Consumers may not even be aware of debts until they are sued or until they apply for credit and see the false accounts on their credit report.
Debt Collector Harassment
Debt Collectors are deceptive, harassing, or
abusive to the consumer. Collectors generally cannot threaten physcial harm, criminal prosecution, or seizure of property without disclosing the legal steps required to take such action. Collectors also cannot call repeatedly or at inconvenient times of the day.
Consumer Fraud
Businesses engage in false or misleading conduct. This includes bait and switch, and misrepresentation of condition, quality, and benefits. This can also include misrepresentations about price, cost, or warranty coverage.
Unfair Trade Practices & Unlawful Trade Practices
Businesses engage in prohibited business conduct. Such conduct can include misrepresentation of prior damage, misrepresentation of source, sponsorship, or ownership. Such conduct can also include failure to disclose known defects.
Resources for Consumers
Get more information about consumer law cases that Baxter & Baxter, LLP, handles:
Additional Resources for Consumers
Get more information on consumer law (outside of baxterlaw.com):
Legal Disclaimer
Please view an important legal disclaimer here.
Communities Served by Baxter & Baxter, LLP
The consumer lawyers at Baxter & Baxter, LLP, are able to represent consumers in credit reporting cases and unlawful debt collection cases in the following Oregon counties:
Baker County, Benton County, Clatsop County, Columbia County, Coos County, Crook County, Curry County, Deschutes County, Douglas County, Gilliam County, Grant County, Harney County, Hood River County, Jackson County, Jefferson County, Josephine County, Klamath County, Lake County, Lane County, Lincoln County, Linn County, Malheur County, Marion County, Morrow County, Multnomah County, Polk County, Sherman County, Tillamook County, Umatilla County, Union County, Wallowa County, Wasco County, Washington County, Wheeler County, and Yamhill County, Oregon.
The consumer lawyers at Baxter & Baxter, LLP, are able to represent consumers in credit reporting cases and unlawful debt collection cases in the following Oregon cities:
Adair Village, Adams, Adel, Adrian, Agate Beach, Agness, Albany, Algoma, Alicel, Allegany, Aloha, Alpine, Alsea, Alvadore, Amity, Andrews, Antelope, Applegate, Arlington, Arock, Ash, Ashland, Ashwood, Astoria, Athena, Aumsville, Aurora, Austin, Azalea, Baker City, Bandon, Banks, Barlow, Barview, Bay City, Beatty, Beaver, Beavercreek, Beaverton, Belknap Springs, Bellevue, Bend, Biggs, Bingham Springs, Birkenfeld, Blachly, Black Rock, Blalock, Blodgett, Blue River, Bly, Boardman, Bonanza, Bonneville, Boring, Boyd, Breitenbush, Bridal Veil, Bridge, Bridgeport, Brighton, Brightwood, Broadbent, Brogan, Brookings, Brooks, Brothers, Brownsmead, Brownsville, Burns, Burnt Woods, Butte Falls, Buxton, Camas Valley, Camp Sherman, Canby, Cannon Beach, Canyon City, Canyonville, Carlton, Carpenterville, Carver, Cascade Locks, Cascadia, Cave Junction, Cayuse, Cecil, Cedar Hills, Cedar Mill, Celilo Village, Central Point, Champoeg, Charleston, Chemult, Cherry Grove, Cherryville, Cheshire, Chiloquin, Christmas Valley, Clackamas, Clatskanie, Cloverdale, Coburg, Colton, Columbia City, Condon, Coos Bay, Copperfield, Corbett, Coquille, Cornelius, Corvallis, Cottage Grove, Cove, Crabtree, Crane, Crawfordsville, Crescent, Creswell, Crow, Culp Creek, Culver, Curtin, Cushman, Dairy, Dallas, The Dalles, Damascus, Danner, Days Creek, Dayton, Dayville, Deadwood, Dee, Deer Island, Denmark, Depoe Bay, Detroit, Dexter, Diamond Lake, Dillard, Dilley, Disston, Donald, Dorena, Drain, Drew, Drewsey, Dufur, Dundee, Dunes City, Dunthorpe, Durham, Durkee, Eagle Creek, Eagle Point, Echo, Eddyville, Elgin, Elk City, Elkton, Elmira, Elsie, Enterprise, Estacada, Eugene, Fairview, Fall Creek, Falls City, Fields, Flora, Florence, Forest Grove, Fort Klamath, Fort Rock, Fossil, Foster, Fox, Frenchglen, Friend, Gales Creek, Gardiner, Garibaldi, Gaston, Gates, Gearhart, Gervais, Gibbon, Gilchrist, Gladstone, Glenada, Glendale, Gleneden Beach, Glenwood, Glide, Goble, Gold Beach, Gold Hill, Goshen, Government Camp, Grand Ronde, Granite, Grants Pass, Grass Valley, Gravelford, Greenhorn, Gresham, Haines, Halfway, Halsey, Hamilton, Hamlet, Hampton, Happy Valley, Harbor, Hardman, Harlan, Harper, Harrisburg, Hebo, Helix, Helvetia, Heppner, Hereford, Hermiston, Hillsboro, Hines, Holland, Holley, Homestead, Hood River, Horton, Hoskins, Hot Lake, Hubbard, Huntington, Idanha, Idleyld Park, Imbler, Imnaha, Independence, Ione, Ironside, Irrigon, Island City, Jacksonville, Jamieson, Jasper, Jefferson, Jewell, John Day, Johnson City, Jordan, Jordan Valley, Joseph, Junction City, Juntura, Kamela, Keasey, Keizer, Keno, Kent, Kerby, Kernville, Kimberly, King City, Kings Valley, Kinton, Klamath Agency, Klamath Falls, Knappa, La Grande, La Pine, Lacomb, Lafayette, Lake Oswego, Lakecreek, Lakeside, Lakeview, Langlois, Laurelwood, Lawen, Leaburg, Lebanon, Lexington, Lincoln Beach, Lincoln City, Lime, Lonerock, Long Creek, Lookingglass, Lorane, Lostine, Lowell, Lyons, Mabel, Madras, Malin, Manning, Manzanita, Mapleton, Marcola, Marion, Marquam, Maupin, Mayger, Mayville, Maywood Park, McCredie Springs, McDermitt, McKenzie Bridge, McMinnville, McNary, Meacham, Medford, Medical Springs, Mehama, Merlin, Merrill, Metolius, Metzger, Midland, Mikkalo, Mill City, Millersburg, Millican, Milo, Milton-Freewater, Milwaukie, Minam, Minerva, Mission, Mist, Mitchell, Modoc Point, Mohawk, Mohler, Molalla, Monitor, Monmouth, Monroe, Monument, Moro, Mosier, Mount Angel, Mount Hood, Mount Vernon, Mulino, Multnomah Falls, Murphy, Myrtle Creek, Myrtle Point, Necanicum, Nehalem, Nesika Beach, Neskowin, Netarts, New Bridge, New Pine Creek, New Princeton, Newberg, Newport, Nimrod, North Bend, North Plains, North Powder, Norway, Noti, Nyssa, Oak Hills, Oakland, Oakridge, Oatfield, O'Brien, Oceanside, Odell, Olene, Olney, Ontario, Ophir, Oregon City, Orenco, Otis, Otter Rock, Oxbow, Owyhee Dam, Pacific City, Paisley, Parkdale, Paulina, Payette Junction, Pendleton, Perrydale, Philomath, Phoenix, Pilot Rock, Pine, Pine Grove, Pinehurst, Pistol River, Pittsburg, Pleasant Hill, Pleasant Valley, Plush, Pondosa, Portland, Port Orford, Post, Powell Butte, Powers, Prairie City, Pratum, Prescott, Prineville, Progress, Prospect, Provolt, Rainier, Redland, Redmond, Reedsport, Reedville, Remote, Rhododendron, Rice, Rice Hill, Richland, Rickreall, Riddle, Riley, Ritter, Rivergrove, Riverton, Rockaway Beach, Rockcreek, Rogue River, Rome, Rose Lodge, Roseburg, Rowena, Roy, Ruch, Rufus, Saint Benedict, St. Helens, St. Joseph, St. Louis, St. Paul, Salem, Saginaw, Sandy, Scappoose, Scholls, Scio, Scottsburg, Scotts Mills, Seal Rock, Seaside, Selma, Seneca, Shady, Shady Cove, Shaniko, Shedd, Sheridan, Sherwood, Siletz, Siltcoos, Silver Lake, Silverton, Sisters, Sitkum, Sixes, Skipanon, Sodaville, South Beach, Sprague River, Spray, Springbrook, Springfield, Stanfield, Stayton, Sublimity, Sulphur Springs, Summer Lake, Summerville, Sumner, Sumpter, Sunriver, Sutherlin, Svensen, Sweet Home, Swisshome, Takilma, Talent, Tangent, Telocaset, Tenmile, Terrebonne, Tidewater, Tiernan, Tigard, Tillamook, Tiller, Timber, Toledo, Trail, Triangle Lake, Troutdale, Troy, Tualatin, Turner, Twin Rocks, Tygh Valley, Ukiah, Umapine, Umatilla, Umpqua, Union, Unity, Vale, Valley Falls, Valley Junction, Valsetz, Vanport, Veneta, Vernonia, Vida, Waldport, Walker, Wallowa, Walterville, Walton, Wamic, Wankers Corner, Warm Springs, Warren, Warrenton, Wasco, Wauna, Waterloo, Wedderburn, Welches, Wemme, Wendling, Westfall, West Linn, West Stayton, Westfir, Weston, Westport, Wheeler, White City, Whiteson, Whitney, Wilbur, Wilderville, Willamina, Willamette, Williams, Willow Creek, Wilsonville, Winchester, Winchester Bay, Winston, Wolf Creek, Wonder, Wood Village, Woodburn, Worden, Yachats, Yamhill, Yoncalla, Zena, and Zigzag, Oregon.
© 2006-2007 Baxter & Baxter, LLP
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Baxter & Baxter, LLP
8835 S.W. Canyon Lane, Suite 130
Portland, Oregon 97225
503.297.9031 (Telephone)
503.291.9172 (Facsimile)
Oregon Identity Theft Protection Act Takes Effect Read More >
Oregon Jury Returns $200,000 Verdict against Equifax in Credit Reporting Case (Valentine v. Equifax)* Read More >
Baxter & Baxter, LLP, Relaunches OregonCreditReportProblems.com Read More >
Mike Baxter Joins MyFairDebt.com Read More >
Baxter & Baxter, LLP, Relaunches OregonIdentityTheft.com Read More >
Identifying Information for 26.5 Million Veterans Stolen Read More >
Post-Bankruptcy Credit Reports Showing Accounts Past Due or Balances Owing Read More >
Oregon Governor Calls for Greater Identity Theft Protection Read More >
Dealing with Identity Theft Read More >
How to Dispute False Credit Reports Read More >
Ordering Your Free Annual Credit Report Read More >
Oregon Jury Returns $210,000 Verdict against Equifax in Credit Reporting Case (Kirkpatrick v. Equifax)* Read More >
Oregon Jury Returns $5.3 Million Verdict against Trans Union (Thomas v. Trans Union)* Read More >
* Verdicts not intended to be representative.
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