About Federal Claims Advisors, LLC
Federal Claims Advisors, LLC was founded to bring rigorous investigation and strategic insight to recurring systems of harm that block accountability and leave individuals and communities bearing disproportionate risk. Patterns matter — and identifying them can unlock pathways to class litigation, regulatory scrutiny, and legislative reform.
We work at the intersection of auto insurance, hospital billing, and corporate accountability to identify impact-oriented claims and systemic patterns, not individual injury cases. Our work supports legal teams, researchers, and reform advocates by offering:
Impact case design and strategy
Research and data analysis
Advisory support on systemic issues
We focus on problems that raise questions of fairness, public safety, and system integrity.
We are interested in hearing from people whose facts reflect systemic practices and patterns, such as:
hospital lien practices, Chargemaster billings and collections
vehicle crashes where insurance is denied and illusory as a working vehicle
shell or evasive entities that frustrate accountability operating out of mail drops as their location
Your documentation helps us see patterns — even when we cannot represent you individually.
We focus on structural problems that arise when:
Auto-insurance promises collide with exclusions, misclassification, and hidden limits
Hospital billing, liens, and collection practices overwhelm injured individuals and families
Corporate shells and registered-agent structures obscure who is truly responsible for harm
Our mission is straightforward:
To apply rigorous research, carefully designed litigation strategy, and plain-language public education to improve how these systems actually function, especially when people are injured, vulnerable, or exposed to serious risk.
Founder: Christopher M. Sullivan, Esq.
Federal Claims Advisors, LLC was founded by Christopher M. Sullivan, Esq., a Colorado attorney and advisor with decades of experience navigating complex disputes, regulatory frameworks, and federal claims.
Mr. Sullivan’s background includes:
Extensive practice in federal courts and claims against the United States, where technical rules, information asymmetry, and institutional power frequently determine outcomes
First-hand exposure to how insurance companies, hospitals, and corporate entities respond after serious injury or catastrophic loss
A sustained commitment to public-interest work, focused on understanding and explaining how systems perform when they are tested rather than how they are promoted or marketed
He has chosen a lean, research-driven model that uses technology and artificial intelligence as force multipliers, while preserving professional judgment, ethical responsibility, and human accountability at the center of the work.
From Federal Claims to Everyday Victims
The principles underlying Federal Claims Advisors emerged from work on complex federal claims and contract disputes, including matters in which:
Institutions controlled essential data
Procedural rules favored repeat or institutional actors
Individuals and small businesses struggled to obtain even basic transparency
Those experiences revealed a recurring truth:
When rules are written and applied primarily to protect institutions, people receive the appearance of justice rather than its substance.
Today, similar structural failures are increasingly visible in civilian systems, particularly those affecting public safety, healthcare debt, and household financial stability.
Mission and Initiatives
Our current work concentrates on three interconnected areas.
Hospital Liens, Discounted Care & Medical Debt
We examine how Colorado hospitals and their collection partners use:
Hospital liens, chargemaster billing practices, and discounted-care frameworks
Outsourced revenue-cycle management and collection firms
to influence the disposition of auto-insurance proceeds, MedPay benefits, and crash-related medical bills.
Our research focuses on recurring patterns in which:
Patients are not meaningfully informed of Hospital Discounted Care (HDC) or other statutory protections
Liens and collection practices appear inconsistent with Colorado transparency and hospital-debt laws
The same actors and methods recur across many patients’ experiences, shaping outcomes at scale
Working Vehicles, Illusory Coverage & Public Safety
A central initiative of our current advocacy addresses work-related vehicle use insured under personal auto policies.
We investigate crashes involving tradespeople, contractors, and working drivers where:
Vehicles are insured as “personal” despite being used for work
Coverage is later denied, limited, or disputed once work-use facts emerge
Employer involvement and commercial insurance coverage are obscured or minimized
We view this as a public-safety issue with national implications.
The public has a right to know whether the vehicles they share the road with are meaningfully insured for the risks they create, and whether mandatory insurance operates as real protection when serious harm occurs.
Shell Companies, Registered Agents & Accountability
We also study how thinly capitalized entities, low-cost registered agents, and mail-drop business structures are used to:
Obscure who controls or benefits from a business
Delay or frustrate service of legal process
Avoid meaningful responsibility after injury or loss
Our focus is on restoring integrity to systems where form replaces substance and accountability becomes functionally illusory.
How We Work
Federal Claims Advisors, LLC works in coordination with:
The Law Office of Christopher M. Sullivan, Esq., Counselor & Attorney at Law
Other attorneys, advocates, researchers, technologists, and journalists engaged in systemic reform
Our work includes:
Impact case design identifying claims, defendants, and forums appropriate for class actions, representative cases, or targeted test-case litigation
Research and data projects analyzing hospital lien filings, crash reports, billing records, insurance disclosures, and corporate filings to reveal patterns not visible at the individual level
Plain-language public education, including initiatives such as VictimsGuide.com and this site, which explain how complex systems function from the perspective of those directly affected
Sponsorship and Relationship to Legal Representation
This website and its advocacy initiatives are sponsored by the Law Office of Christopher M. Sullivan, Esq., Counselor & Attorney at Law.
Federal Claims Advisors, LLC functions as an advisory, research, and public-education entity.
The Law Office of Christopher M. Sullivan, Esq. is a separate law office that may, in select matters, provide legal representation pursuant to a written engagement agreement.
Our Values
Three principles guide our work.
Truth over fiction
We focus on how support systems and insurance actually performs when people are injured or in crisis, not on how they are marketed or described.
Systemic impact over isolated outcomes
Individual results matter, but lasting reform requires addressing the administration via engineered workflows, rather than isolated cases or events.
Respect for lived experience
Behind every hosital lien, adversarial insurance adjuster, or corporate profit structure is a person and their family rebuilding their life from trauma. Their experiences are evidence of how systems operate.
Important Disclaimers
This website provides education and advocacy, not legal advice.
No attorney–client relationship is formed by reading this site or contacting us unless and until a written engagement agreement is signed with the Law Office of Christopher M. Sullivan, Esq.
Laws, regulations, and insurance policies change, and outcomes depend on specific facts.
If you face urgent deadlines, litigation, collection actions, or settlement decisions, you should consult a lawyer of your choosing promptly.
If you contact us, we may review your information to determine whether it relates to the systemic issues we are studying.
With your consent, experiences shared may inform research, advocacy, or public-interest work.
Contact us