Blog

Jury Verdict Upheld in Losch vs. Experian Information Solutions Inc.

March 27, 2024 by Balam O. Letona

The case of Henry Losch vs. Experian Information Solutions Inc. (Case No. 22-12421) was an appeal in the United States Court of Appeals for the Eleventh Circuit concerning claims under the Fair Credit Reporting Act (FCRA, 15 U.S.C. §§ 1681e & 1681i). This case followed a previous decision (Losch I) where the court reversed the district court’s summary judgment in favor of Experian and remanded … [Read more...]

Intersection of Fact and Law in Credit Reporting: FCRA Obligations and State Law Impacts on Credit Reporting

March 26, 2024 by Balam O. Letona

In Gross v. CitiMortgage Inc., Marshall Gross challenged CitiMortgage's reporting of a junior mortgage debt on his credit report following the foreclosure of his home. Under Arizona's Anti-Deficiency Statute, Gross's liability for the junior mortgage was eliminated once the foreclosure sale failed to cover the debt. Despite this, CitiMortgage reported the debt as active, accruing interest, and … [Read more...]

Lemon Law and FCRA: The Role of Credit Reporting Agencies in Resolving Legal Disputes

March 26, 2024 by Balam O. Letona

In the case of Khankin v. JLR San Jose LLC et al., the plaintiffs claimed that the credit reporting agencies inaccurately reported them as delinquent on their lease even after they had lawfully elected to rescind their lease and return the vehicle under California's "Lemon Law" (the Beverly-Song Warranty Act). They argued that this reporting was inaccurate because they were no longer legally … [Read more...]

Understanding the Impact of the Fair Credit Reporting Act and the CARES Act on Consumer Rights

March 26, 2024 by Balam O. Letona

In the case of Craig Mirabile v. Bank of America National Association, the plaintiff, Craig Mirabile, brought suit under the Fair Credit Reporting Act (FCRA), alleging that Bank of America provided false information to credit reporting agencies and failed to reasonably investigate his dispute. The court allowed the FCRA claim to proceed and found the following facts persuasive to not dismiss the … [Read more...]

2018 Chrysler Pacifica Lemon Law Complaint in Santa Cruz County

May 28, 2023 by Balam O. Letona

A 2018 Chrysler Pacifica equipped with a 9-speed transmission experienced multiple issues with the transmission, including hesitation on acceleration, loss of power, and hard or harsh shifts/jerking. The owner took the Chrysler Pacifica to Santa Cruz Volkswagen Chrysler Dodge Jeep Ram for at least one repair. The owner accuses FCA, the manufacturer, of failing to properly service or repair the … [Read more...]

John Shuagart

03:25 30 Aug 24

Extremely helpful, if you are looking for someone that can help you with your situation don’t hesitate to call. A shady dealership in pajaro was making my life miserable, Balam fixed my situation fast.

Daela George

03:21 29 Aug 24

Good experience overall. He let me know what was and wasn’t possible with my case and we got it resolved relatively quickly. I recommend his services if you’re in bind with an untrustworthy dealership.

Angelica Caballero

01:34 08 Aug 24

Excellent treatment and very friendly, but above all with great seriousness and professionalism to work with the community 100% recommended

Busy Bee Services

03:24 09 Feb 24

I called at 7:20PM and Balam Loyola, picked up my call…that was a pleasant surprise. I am currently seeking legal advice, and he was able to give me some good information.Thank you!

Anne Friscia

22:01 14 Aug 23

Balam gave me great advice regarding a car issue and explained how the California Lemon law worked. My issue was resolved quickly and in my favor. I would not hesitate to use his services again. He was thorough, patient, and very fair. I highly recommend him.

Noah Jarvis

03:37 30 Dec 22

I highly recommend The Law Office of Balam O Letona. I had bought a vehicle from a dealership in San Jose and after a multitude of problems and the dealership giving me the run around I had to find a solution. I reached out to Balam by phone and right away he listened and started to help me out. Without Balam Letona's help I would have been stuck with a broken car and out of a lot of money. I can confidently say that if anyone has trouble with a car dealership that they can contact Balam.

Larry B

23:02 07 Aug 19

Balam is at least a couple of cuts above the good lawyers that will take automobile dealership cases. I called quite a few of those that advertised this service and was turned down by all of them until I talked to Balam. He warned me that my chances were not all that good, but was willing to work with me for as long as I felt that it was worthwhile. While I may ultimately have been able to win my case, as there was certainly fraud involved, it became obvious to me as we progressed that his initial advice was probably the right answer, as it was likely I'd gain a pyrrhic victory. Balam is a class act.