Kristi Cahoon Kelly

Kristi Cahoon Kelly: Attorney with Kelly Guzzo, PLC
  • Member at Kelly Guzzo, PLC (4 Attorneys)
  • 500 Ala Moana Boulevard, Suite 400, Honolulu, HI 96813
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Attorney Awards


Kristi C. Kelly is a consumer law attorney that focuses her practice on advocating for individuals in state and federal courts in Virginia, District of Columbia and Maryland. Described by her peers as someone “who takes- and wins- the cases others won’t touch,” she was selected as a Virginia “Leader in the Law” for the Class of 2014. Ms. Kelly focuses the majority of her practice on assisting consumers with credit reporting and employment background check mistakes, mortgage servicing errors and preventing abusive debt collection. Ms. Kelly has successfully litigated hundreds of cases for individuals and as class actions.

Ms. Kelly is a regular speaker on credit reporting and mortgage servicing issues for the National Consumer Law Center, Virginia CLE and various legal aid organizations throughout the country. She regularly volunteers her time to speak to various nonprofit and community organizations to train and educate individual and community stakeholders on their rights. Ms. Kelly also regularly volunteers her time to assist indigent consumers and active duty military or veterans referred from legal aid organizations or nonprofit organizations.

Ms. Kelly was a shareholder at Surovell Isaacs Petersen & Levy whose practice focused on consumer rights litigation in state and federal courts in the Washington, D.C. area. She has represented individuals against banks, brokers, auto dealers, car title lenders, debt collectors, credit card companies, credit bureaus and foreclosure rescue scammers. In May 2010, she received a $686,600 jury verdict and her attorney fees from a foreclosure rescue scammer.

After graduating law school, Ms. Kelly worked for Legal Services of Northern Virginia as a housing and consumer law attorney. In that position, she co-founded the Foreclosure Legal Assistance Program (FLAP) to provide legal advice and housing counseling to prevent foreclosures. In that capacity, she supervised and trained a network of attorneys and staff throughout northern Virginia. Ms. Kelly has been a presenter at various trainings on the local and statewide level focusing on foreclosure prevention, consumer rights for domestic violence survivors, landlord tenant law, predatory loans, dealing with debt collectors and understanding credit reports.

She has been admitted to the Virginia, Maryland and District of Columbia bars after graduating from the University of Richmond TC Williams School of Law. At graduation, she received the Nina R. Kestin award for her extraordinary contributions to the school, community and profession. Ms. Kelly received her degree cum laude from Dickinson College, where she was a four year varsity soccer player.

She lives in Oakton, Virginia with her husband, Matt and two sons, Joey and Charlie.


Selected as Capital Region’s Premier Lawyers, 2015

Wall Street Journal Article

Selected as a “Leader in the Law” Class of 2014

Leaders in the Law Article

Super Lawyer “Rising Star” – 2012, 2013, 2014, 2015, 2016


Virginia Trial Lawyers Association

Fairfax Bar Association

Northern Virginia Women’s Attorney Association

National Association of Consumer Advocates

Virginia Poverty Law Center, Member Board of Directors

Legal Aid Justice Center, Advisory Committee Northern Virginia

Alexandria Bar Association

National Consumer Law Center


• Opinion Obtained in US Court of Appeals for the Fourth District

• Credit Reporting Company to Pay $12M

• Judge Rejects Privilege Claim in Foreclosure Case

• Credit bureau may face a willful violation claim

• FDCPA Claim Sticks to Foreclosure Operation

• Confusing Debt Amount States FDCPA Claim


Boyd v. Equifax Info. Servs., LLC, 2013 WL 2896859, (E.D. Va. 2013)

Ceccone v. Equifax Info. Servs., LLC, 2015 WL 221720, (D.D.C. Jan 15, 2015)

DeCapri v. Law Office of Shapiro Brown & Alt, LLP, 2014 WL 4699591, (E.D. Va. Sept. 19, 2014)

Dreher v. Experian Info. Solutions, Inc., 2013 WL 2389878 (E.D. Va. 2013)

Dreher v. Experian Info. Solutions, Inc., 2014 WL 2800766 (E.D. Va. 2014)

Dreher v. Experian Info. Solutions, Inc., 2014 WL 6834867 (E.D. Va. 2014)

Fariasantos v. Rosenberg & Associates, LLC, 2 F. Supp. 3d813 (E.D. Va. 2014)

Fariasantos v. Rosenberg & Associates, LLC, 303 F.R.D. 272 (E.D. Va. 2014)

Goodrow v. Friedman & MacFadyen, P.A., 788 F. Supp. 2d 464 (E.D. Va. 2011)

Goodrow v. Friedman & MacFadyen, P.A., 2013 WL 3894842 (E.D. Va. July 26, 2013)

Hayes v. Delbert Servs. Corp., 2015 WL 269483 (E.D. Va. Jan 21, 2015)

Javid v. SOS Int’l Ltd., 2013 WL 2286046 (E.D. Va. 2013)

Kelly v. Nationstar Mort., LLC, 2013 WL 5874704 (E.D. Va. 2013)

Robinson Huntley v. George Washington Carver Mut. Homes Assn., 756 S.E.2d 415, 420 (2014)

Areas of Practice (8)

  • Consumer Law
  • Credit Report Mistakes
  • Identity Theft
  • Mortgage Loan Servicing Abuses
  • Debt Collection Abuse
  • Debt Collection Defense
  • Wrongful Foreclosures
  • Payday and Online Loans

Education & Credentials

Contact Information:
808-913-0273  Phone
703.424.7570  Phone
703.591.0167  Fax
University Attended:
Dickinson College, B.A., cum laude, 4 year varsity soccer player, 2003
Law School Attended:
University of Richmond, TC Williams School of Law, J.D., 2006
Year of First Admission:
2014, United States District Court for the District of Maryland; 2007, United States District Court for the District of Columbia; 2007, District of Columbia; 2006, Virginia; Not admitted in Hawaii
Birth Information:
Long Beach, California, 1981

Peer Reviews

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Honolulu, Hawaii

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