According to a new report from the Consumer Financial Protection Bureau’s Consumer Credit Panel (“CCP”), consumer credit applications have dropped significantly since the onset of the COVID-19 pandemic. In reaching this conclusion, the CCP reviewed data in a nationally representative sample of approximately five million de-identified credit records […]
Nadia D. Adams
Nadia Darkazalli Adams is a skilled trial lawyer and business litigator who drives outstanding results for the firm’s clients in state and federal civil litigation. A former prosecutor, Nadia is a tenacious and powerful courtroom advocate. She has tried more than forty bench and jury trials, prosecuting violent crimes and sex offenders in the process. This experience makes her driven and direct in the pursuit of her clients’ interests, but she never loses sight of her clients’ specific needs. She delivers clear-cut and reliable advice at every phase of litigation.
Today, Nadia focuses her practice on the defense of national mortgage servicers, lenders, and other financial institutions in consumer and contract-based suits. She has in-depth experience with consumer protection statutes, such as the Fair Credit Reporting Act (“FCRA”), California Consumer Credit Reporting Agencies Act (“CCRAA”), Fair Debt Collection Practices Act (“FDCPA”), Telephone Consumer Protection Act (“TCPA”), California Homeowner Bill of Rights (“HOBR”) and California Unfair Competition Law (“UCL”). Additionally, Nadia has extensive experience in the prosecution and defense of real-property based suits concerning title defects, lien priority matters, judicial and non-judicial foreclosures and title coverage issues.
During the course of her career, Nadia has also handled healthcare billing and automobile insurance fraud matters, corporate internal investigations in white collar criminal and consumer protection matters, and general business disputes.
With over 22 million Americans currently out of work, the COVID-19 pandemic has proven to be both a global health crisis and a period of economic instability. Over the past few weeks, a number of new regulations have been enacted to ease the financial strain so many Americans […]
U.S. Supreme Court Denies Certiorari Review in FCRA Sovereign Immunity Case, Cementing Circuit Split
On Monday, the United States Supreme Court denied certiorari review of a Fourth Circuit Court of Appeals decision that the federal government is immune from civil liability for claims brought under the Fair Credit Reporting Act – leaving open a divide amongst the circuit courts on the issue […]
Two Class Actions Alleging Starbucks Violated FCRA’s Background Report Disclosure Requirements Are Grinding Toward Settlement
Two pending class action lawsuits alleging coffee giant Starbucks violated the Fair Credit Reporting Act (“FCRA”) by relying on flawed background reports to decline employment to over 8,000 job applicants will likely settle in the coming months. The two suits are being consolidated in the U.S. District Court […]
Compliance With FCRA’s Requirement To Investigate A Dispute Within 30 Days Does Not Satisfy The FDCPA’s Requirement To Promptly Report A Disputed Debt
In Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 (N.D. Ill. Feb. 8, 2019), the plaintiff sued Midland Funding LLC and Midland Credit Management, Inc. (“MCM”) under the Fair Debt Collection Practices Act (“FDCPA”) for the failure to promptly report the […]
Federal Court Cites Rooker-Feldman Doctrine and New Jersey “Entire Controversy Doctrine” to Decline Jurisdiction of FCRA Claims
The plaintiffs (“Plaintiffs”) in Gunter-King v. Wells Fargo Bank, N.A., Civil Action No. 18-11316 (JBS/JS), 2018 U.S. Dist. LEXIS 209443 (D.N.J. Dec. 12, 2018), defaulted on their loan obligation on or about July 2012 and a foreclosure suit was filed in May 2015. On February 3, 2016, they […]
On November 29, 2018, the Ninth Circuit Court of Appeals issued a decision in Mitchell v. Winco Foods, No. 17-35998, 2018 U.S. App. LEXIS 33483 (9th Cir. Nov. 29, 2018); a Fair Credit Reporting Act (“FCRA”) case on appeal after the U.S. District Court for the District of […]
On the Mend: Bill Requiring Delayed Reporting of Veterans’ Medical Debts Seeks to Correct Department of Veterans Affairs Payments Errors
On November 14, 2018, a previously-introduced bill to amend the Fair Credit Reporting Act (“FCRA”) to “rectify problematic reporting of medical debt included in a consumer report of a veteran due to inappropriate or delayed payment for hospital care, medical services, or extended care services provided in a […]