I view myself not so much as a litigator but as a problem solver. Sometimes those problems reach the courtroom, sometimes not. But what gives me the greatest satisfaction is solving my clients’ problems and – whenever possible – making sure they stay solved.
Michael D. Ferachi is an experienced trial attorney who advises clients on consumer finance litigation, class actions, business disputes, and insurance defense matters. He has handled cases involving a full range of federal statutes and regulations pertaining to consumer finance such as the Fair Credit Reporting Act (FCRA), Home Ownership and Equity Protection Act (HOEPA), Equal Credit Opportunity Act (ECOA), Regulation Z, Truth in Lending Act (TILA), Fair Debt Collection Practices Act (FDCPA), and Fair and Accurate Credit Transactions Act (FACTA). Michael’s work includes litigating disputes involving consumer finance institutions of all sizes as well as airlines, outdoor advertising, commercial finance entities, construction companies, and other entities. He has tried numerous cases to verdict and handled dozens of appellate matters.
Michael has litigated cases in all three federal districts in Louisiana and has argued before the U.S. Fifth Circuit Court of Appeals on two occasions where, in both instances, he received a positive decision. He has also litigated matters throughout Louisiana at the trial court level and has argued before the Louisiana Supreme Court and the Louisiana First, Second, and Fifth Circuit Courts of Appeal.
Michael has represented clients in class actions nationwide. He represented a large issuer of credit cards in a nationwide class action regarding payment due date and posting practices. He also represented a major airline and a major credit card company in a nationwide class action regarding the airline’s frequent flyer program. Michael represented a lender in a nationwide class action on TCPA issues.