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| Caroline Klosko Consumer Protection Attorney |
Ms. Klosko is one of the few attorneys in Charlottesville who practices mainly in the area of consumer protection law, representing consumers whose homes are being wrongfully foreclosed, who are being sued on credit card debt, who are being harassed by debt collectors, and whose credit is suffering from reporting errors. Ms. Klosko also practices landlord-tenant law and conducts miscellaneous real estate transactions.
Ms. Klosko is a native of Charlottesville. She is expecting her first child in September 2012.
Caroline Klosko
291 West Main street • danville, virginia 24541 • 434.284.2272
Education
University of Virginia School of Law, Charlottesville, VA
J.D., May 2009
§ Internship with Blue Ridge Legal Services, Summer 2007
§ Housing Law Clinic 2007-2008
§ Paid Internship with the Atlanta Legal Aid Society, Summer 2008
§ Employment Law Clinic 2008-2009
§ Hunton and Williams Domestic Violence Project, 2008-2009
Yale University, New Haven, CT.
M.A., Philosophy, 2007
University of Virginia, Charlottesville, VA
B.A. with High Honors, Philosphy & Religious Studies, May 2004
§ Echols Scholar
§ Philosophy Honors Program
§ Phi Beta Kappa
Admissions
Virginia State Bar 2009
United States District Courts for the Eastern and Western Districts of Virginia 2009
United States Bankruptcy Court for the Western District of Virginia 2010
United States Court of Appeals for the Fourth Circuit 2012
Experience
Virginia Legal Aid Society, Danville, VA Staff Attorney 2010-2012; Senior Attorney 2012-present
§ Represented Clients in areas of consumer, housing, and unemployment insurance benefits law
§ Defended credit card suits in General District court; employed creative advocacy strategies to secure nonsuits from tenacious plaintiffs
§ Affirmatively litigated four automobile fraud cases in State and Federal courts to successful conclusions
§ Collected attorney’s fees for the program in both negotiated settlements and court judgments; the largest court judgment was for about $7000 in fees
§ Devised and employed creative advocacy strategies to collect judgments
§ Represented clients in Chapter 7 Bankruptcy proceedings
§ Represented clients in numerous Unlawful Detainer cases in General District Court; obtained injunction for wrongful utility shut-off in Circuit court
§ Wrongful foreclosure case based on failure to evaluate client for HAMP modification currently pending in Federal court
§ Represented clients in Unemployment Insurance claims at all levels from the Appeals Examiner through the Virginia Court of Appeals
§ Prepared and delivered presentations at community education classes about debt collection, predatory lending, and personal Bankruptcy
§ Promotion to Senior Attorney in February 2012 based on experience, performance, and developing expertise in the area of consumer law
Krumbein Consumer Legal services, Richmond, VA Junior Attorney, Fall 2009
§ Handled cases under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth in Lending Act, and other consumer protection laws.
§ Represented clients in state court hearings
§ Performed client intake interviews
§ Evaluated legal problems and communicated with clients about the merits of their cases
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