Case Information
- Filing Date: March 12, 2025
- Court: U.S. District Court, Middle District of Florida (Tampa Division)
- Plaintiff: Ruby E. Pineda
- Defendant: Michel Law, LLC, d/b/a Level One Law
- Case No.: 8:25-cv-00587
Allegations at a Glance
Ruby Pineda, a Tennessee resident facing financial hardship due to medical issues, alleges that Level One Law misled her into a debt relief program that ultimately worsened her financial situation. Despite paying over $21,000 into the program, she claims the firm failed to settle her debts, improve her credit, or provide the promised legal support.
Key Allegations
- Defendant promised to negotiate debts and improve Plaintiff’s credit score.
- Plaintiff enrolled $59,471 of debt and made monthly payments of $877.27.
- Only 1% of Plaintiff’s debt was resolved over nearly two years.
- Defendant misled Plaintiff about ongoing negotiations with creditors.
- Defendant allegedly continued withdrawing funds even after ceasing services.
- Plaintiff suffered financial harm, emotional distress, and credit damage.
Legal Claims
✅ Credit Repair Organizations Act (CROA) – deceptive practices, premature charges, and missing required disclosures
✅ Tennessee Consumer Protection Act (TCPA) – unfair and deceptive business practices
✅ Fraud – intentional misrepresentations regarding debt and credit services
✅ Negligent Misrepresentation – false promises made without proper care
✅ Legal Malpractice – breach of attorney duties to client
✅ Breach of Contract – failure to perform agreed-upon debt resolution services
✅ Breach of Fiduciary Duty – mismanagement of funds and prioritization of firm’s interests over Plaintiff’s
Relief Sought
💰 Actual damages for financial losses and emotional distress
💰 Punitive damages for willful misconduct
💰 Attorney’s fees and court costs
💰 Injunctive and equitable relief as deemed appropriate
The Bottom Line
This case highlights the potential risks of enrolling in debt relief programs without full transparency and accountability. Consumers are urged to thoroughly vet such services—especially those involving legal representation—before entrusting firms with their financial future.
Legal Disclaimer
All claims outlined in this lawsuit are allegations only. The defendant has not yet responded in court. Cases may be dismissed, settled, or otherwise resolved without a finding of liability.
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