Josef Culik is the President and Principal Attorney at Culik Law. Joe has built his reputation on helping people and has dedicated his practice in Boston, Massachusetts to consumer protection, employee rights, and individual personal injury. He has advocated for individuals against some of the largest companies in America and has a passion for helping people uphold their rights against impossible odds. He has filed both individual and class-action lawsuits against most of the major banks, against some of the biggest debt collectors and credit reporting agencies, as well as insurance companies and corporate employers. Joe believes in standing up against bullies and entities who disregard the rights of the individual. He has a record of litigating aggressively for his clients’ rights and to obtain the best possible outcome. Joe participates in public interest and non-profit programs. He has helped train attorneys for the Massachusetts Attorney General’s foreclosure-prevention program (Homecorps), and has spoken on consumer rights and foreclosure defense at events around the Boston metro area. He has presented at the National Consumer Law Center on debt issues. He has co-counseled with Legal Aid organizations on issues affecting low-income consumers. He also sits on one of the Massachusetts Bar Foundation Committees that distributes funds to legal organizations. Before starting Culik Law with his partner Shawna Culik, Joe worked for legal aid organizations and a family-run plaintiff-side litigation firm. MAJOR CASES JOE HAS BEEN INVOLVED IN: Litigating against debt collectors under the Fair Debt Collection Practices Act. Litigating against credit reporting agencies for incorrect credit reporting. Suing banks and mortgage servicers for claims of unfair practices related to foreclosure and loan modifications, even voiding foreclosures in some instances. Litigating against employers for discrimination.