Case Information
- Court: U.S. District Court for the Southern District of Florida
- Case No.: 9:25-cv-80169
- Filing Date: February 5, 2025
- Plaintiff: Dawyn S. Palmer
- Defendant: Cordoba Legal Group, LLC
- Legal Representation: Sulaiman Law Group, LTD
Allegations at a Glance
Plaintiff Dawyn S. Palmer accuses Cordoba Legal Group, a credit repair and debt settlement firm, of engaging in deceptive business practices. The lawsuit claims that Cordoba misrepresented its services, charged unlawful fees, and ultimately caused financial and emotional harm to the plaintiff instead of providing the promised credit relief.
Key Allegations
- Cordoba misled Palmer by claiming its services would improve her credit score and reduce her debt.
- The company instructed Palmer to stop making payments to creditors, which led to defaults and worsened her financial situation.
- Cordoba failed to perform the promised services while still charging substantial monthly fees.
- Palmer continued to receive collection calls despite Cordoba’s assurances that they would handle creditor communications.
- Cordoba engaged in fraudulent billing practices and attempted to have customers waive legal protections.
Legal Claims
✅ Violations of the Credit Repair Organizations Act (CROA) (15 U.S.C. § 1679)
✅ Violations of the Florida Credit Services Organizations Act (FCSOA) (Fla. Stat. § 817.700)
✅ Violations of the Florida Deceptive and Unfair Trade Practices Act (FDUTPA) (Fla. Stat. § 501.204)
✅ Breach of Fiduciary Duty
Relief Sought
💰 Actual damages for financial losses caused by Cordoba’s actions
💰 Punitive damages to deter future misconduct
💰 Attorney’s fees and legal costs
⚖️ Injunctive relief to prevent Cordoba from continuing deceptive practices
The Bottom Line
Palmer argues that Cordoba Legal Group misrepresented its debt relief services, ultimately harming rather than helping her financial situation. If successful, this case could have broader implications for credit repair firms operating in Florida and beyond.
Legal Disclaimer
This lawsuit contains allegations that have yet to be proven in court. The case may result in a settlement, dismissal, or judgment.
I have the same issue with this company. I made it perfectly clear on our initial call that there was nothing wrong with my credit and that I had been working on it for 4 years. I hadn’t had a late payment in 4 years and I had told them that I only needed to pay down high balances. They stated that their program would allow me to pay the debt down faster as they could reduce or eliminate interest. They said they would contact the creditors immediately and that my credit would take a hit, but a small hit and only for about 6 months. Well, my credit took a 200 point hit, all of my hard work over 4 years is completely gone. I wanted to buy my first house next year and I could have if the program had worked the way we had discussed over the phone.
I made many phone calls to them as the creditors kept calling. They said they would send the creditors the initial paperwork to negotiate. Well after 4 phone calls over 3-4 months they still hadn’t contacted the three creditors I was concerned about. My credit is completely destroyed and now I’m looking into bankruptcy. My dream is GONE!
Also, I had made it perfectly clear to them that I was not willing to ruin my credit and in fact, I was on the phone with them for many hours throughout the day before even fully signing up, as I was asking questions to further clarify.
I never would have signed with them if this was going to be the outcome.
On our final call I asked them how much I gave them so far, they said it was just under 1500.00. I asked how much of that went to my debts, they said $500! The other $1000, went to fees!
Me too…this is right down to what they said to me initially. Now they are taking $600.00 plus out of my bank account and my credit is totally trashed. Talking to any of those people is like talking to a wall except the wall has a chance of making a more intelligent response. Good luck with your lawsuit. I am watching closely so maybe I can file my own lawsuit.
I am currently dealing with a very similar complaint and will be suing them in following months. They are the worst
I am glad you shared this. I will shortly be having my own case against these people. I will help them if need be. I can attest to the same as stated in their
complaint.
I have just begun with the program and there has been absolutely no deception on Cordobas part. They have been transparent with all the fees and guidelines to the debt repair program. They, (Cordoba), actually showed me the discrepancies and misrepresentations of my previous debt repair program. i would recommend Cordoba to anyone,
I was contacted by Luis Levya in Phoenix, AZ. It seemed to be a legit debt consolidation company. What fees and interest rate were you given? Did they make the payments as promised?
michael roberts, i signed up for the debt relief program and am just starting. I feel like the agents were good in explaining. I also have printed copies of the entire agreement so that i can have time to fine tooth comb the agreement. i guess i will just have to trust and see.
thank you for your comment.
We are having the same issues with this company. Is there anything we can do.