Penny Hays Cauley

Penny Hays Cauley is an attorney with Hays Cauley, P.C. whose practice focuses on consumer protection matters. She represents people dealing with identity theft, fraudulent accounts, mixed credit files, inaccurate reporting, debts incorrectly reported as owed, and other credit reporting problems. Her work also includes debt-collection harassment and debt lawsuits, with a significant focus on rights and remedies available under the Fair Credit Reporting Act and related consumer laws.

Cauley earned a B.A. from Samford University in 1990 and received her J.D. from Cumberland School of Law in 1994. After law school, she clerked for the Honorable William Robertson, Presiding Judge of the Alabama Court of Civil Appeals. Her education and appellate court experience provided a strong foundation in legal research, writing, and statutory analysis, skills that are central to consumer cases involving detailed credit reporting and collection rules.

Cauley began private practice in Birmingham before establishing Hays Cauley, P.C. in Tuscaloosa in 2006. After moving to South Carolina in 2007, she also became admitted there while continuing a practice focused on consumer rights. Over a career spanning approximately three decades, she has helped clients challenge inaccurate credit information, address identity-theft consequences, respond to collection activity, and pursue claims when consumer reporting or debt collection practices violate applicable law.

Penny Hays Cauley brings long-term consumer law experience and an appellate clerkship background to disputes that can affect credit, borrowing, housing, and financial stability. Her practice requires close review of account histories, credit files, collection communications, and statutory requirements. By helping clients identify reporting errors and improper collection conduct, she provides focused representation aimed at correcting inaccurate information, enforcing consumer protections, and resolving disputes with creditors, collectors, and reporting agencies.

Law Office Affiliations

• Attorney, Hays Cauley, P.C.
• Member, Alabama State Bar

Licensed State

• Alabama

Awards & Badges