John P. Chay PLLC represents Washington Consumers against debt buyers, debt collectors, and creditors that use bad tactics that violate Washington and Federal law. We fight hard for you.

  • Put our knowledge and experience to work for you

  • Let our attorneys guide you to a better outcome

  • We can give you legal options

  • For FDCPA, FCRA, Rosenthal Act violations we offer contingency representation

  • Most services have No Hourly Fees. Easy Payment Plans.

Most of our clients have hired multiple credit repair companies that claim to be able to remove negative reporting from the credit report by “auditing” the reporting by the lender. Most did not find the results that they were expecting. The system did not work for their situation. Our law firm believes that the best way to resolve an issue is to justify our client’s wishes within the context of the lender’s system and what can be achieved. For many issues with lenders and mortgage loan servicers that means we work outside the normal dispute process system with the in-house counsel or compliance department. While we can not guarantee a specified result we work hard on behalf of our clients to achieve their goals. We have helped clients resolve late payment issues, force placed insurance, escrow balance inaccuracies, foreclosure notations, short sale issues, mortgage audits to discover mortgage errors, failed loan modifications, delay of foreclosure, negotiate foreclosure fees, deed-in-lieu, and cash for keys For a free consultation, please call (714) 699-9696 or fill out the Free Consultation Form

We handle all issues surrounding credit reporting and legal liabilities including:

  • America’s Servicing Company (ASC)
  • AmeriHome Mortgage Company
  • Bank of America NA – Mortgage
  • Bank of England Mortgage ENG Lending
  • Bayview Loan Servicing
  • Bayview Solutions LLC
  • BB&T Mortgage Servicing
  • Caliber Home Loans Inc
  • Capital One Home Loans
  • Carrington Mortgage Services LLC
  • Chase Bank – Mortgage
  • Cherry Creek Mortgage LLC
  • CitiMortagage
  • CMG Financial
  • CNN Mortgage
  • Dyck O Neal Inc
  • East West Bank
  • Everbank Mortgage
  • Fay Servicing
  • Fifth Third Bank – Mortgage
  • Financial Freedom a division of CIT Bank NA
  • Flagstar Bank
  • Franklin Bank SSB
  • Freedom Mortgage Corp
  • Gateway Mortgage Group LLC
  • Gateway One Lending and Finance
  • Green Tree Servicing LLC
  • Guardian Mortgage
  • Guild Mortgage Company
  • Home Point Financial Corporation
  • HomeBridge Financial Service
  • Household Finance Corporation (HFC)
  • Huntington National Bank
  • Intercap Lending Inc
  • InterLinc Mortgage Services LLC
  • J.G. Wentworth Home Lending
  • James B Nutter & Company
  • KeyBank Mortgage
  • LoanCare LLC a ServiceLink Company
  • Mr. Cooper fka Nationstar Mortgage
  • New American Funding
  • NewRez LLC
  • Ocwen Loan Servicing
  • OneWest Bank, FSB – Mortgage
  • Penfed
  • Pennymac Loan Services
  • PHH Mortgage Servicing
  • Plaza Home Mortgage
  • PNC Mortgage
  • Primary Residential Mortgage
  • PrimeLending
  • Pulte Mortgage
  • Quicken Loans
  • Regions Bank N.A. – Mortgage
  • Rushmore Loan Management Services LLC
  • SecurityNational Mortgage Company
  • Shellpoint Mortgage Servicing
  • Specialized Loan Servicing, LLC
  • The Money Source
  • Towne Mortgage Company
  • Truist fka Suntrust Mortgage Inc.
  • Union Home Mortgage
  • United Wholesale Mortgage
  • US Bank – Mortgage
  • Wells Fargo Home Mortgage
  • Weststar Mortgage Corporation
  • Zions Bancorp

We offer competitive, flat fee pricing quoted up front. If we are working on one or more creditors we offer discounted pricing. For our fees we will:

    • Obtain the necessary documents to evaluate your situation
    • Evaluate the documents compared to the client’s scenario and help render an opinion
    • Help the client enforce their rights as to the debt collection / credit reporting.
    • If desired, approach the lender to see if a settlement can be made that is favorable to our client’s goals of credit reporting and ending possible legal liabilities.

Additional fees will be charged should we need to file a lawsuit against the creditor.

Phone Number

(206) 508-2405

Email Address

Open Hours

Mon to Thurs:  7 am - 5 pm

Fri:  7 am - 11 am

Contact Form