Gill

ORDER GRANTING FEDERAL TRADE COMMISSION’S MOTION FOR SUMMARY JUDGMENT

I. INTRODUCTION

Defendants run a service that advertises that it can remove “negative information” from credit reports. The FTC brings the instant suit against defendants under (1) the Credit Repair Organization Act for defendants’ allegedly misleading statements and illegal billing practices and (2) the FTC Act for deceptive practices.

II. FACTUAL AND PROCEDURAL BACKGROUND

A. THE PARTIES

Defendant Gill is a licensed attorney who does business as a sole practitioner as the Law Offices of Keith Gill. See FTC’s Statement of Uncontroverted Facts at 3 (“FTC’s Statement”). In addition to a general law practice, Gill has offered credit repair services to consumers since 1995. See id. Defendant Murkey is a retired attorney. See id. at 7. Since 1995, in conjunction with Gill’s office, Murkey has offered credit repair services to consumers. See id. at 3.

B. THE REPRESENTATIONS

Through the use of radio broadcasts, ads in various newspapers, and phone conversations and personal meetings, the FTC alleges that defendants “prey on consumers with bad credit histories” by offering them a free initial consultation and…