Hays Cauley, P.C. is a specialized consumer rights law firm based in Florence, South Carolina, focusing exclusively on credit reporting, identity theft, and debt-related legal issues. With over 25 years of litigation experience, the firm stands out for its dedicated advocacy against major credit bureaus, financial institutions, and debt collectors, offering hope and legal recourse to individuals facing financial and reputational harm due to inaccurate credit data.
The firm operates on a contingency fee basis, ensuring clients pay no upfront costs and only owe attorney fees if monetary recovery is achieved. It exclusively represents individuals—never businesses—and leverages its deep expertise in the Fair Credit Reporting Act (FCRA) and related consumer protection laws to combat harassment, errors, and fraudulent reporting. Penny Hays Cauley, the firm’s principal, is also a certified civil mediator for cases in South Carolina federal and state courts, as well as arbitration proceedings.
Services Offered
- Fair Credit Reporting Act (FCRA) claims
- Credit fraud assistance
- Incorrectly reported as deceased cases
- Credit report errors and disputes
- Fraudulent credit reporting
- Credit identity theft resolution
- Background check report errors
- Fighting credit card lawsuits
- Stop collection harassment
- Tenant screening report errors
- Mediation services
- Mixed-up credit reports
- Identity theft victim representation
Serving clients throughout South Carolina, the firm provides free consultations and is committed to empowering consumers against corporate entities that impact their financial opportunities and personal stability.
