YES, IT’S REALLY FREE!
You may be entitled to FREE legal representation, compensation, and corrections to your credit report(s). Contact us to schedule a FREE consultation.
Federal law allows you to sue a creditor, debt collector, or credit bureau if they violate your legal rights.
It’s a common question that we frequently receive. We certainly understand why people may feel skeptical about obtaining legal services at no cost. After all, hiring an experienced attorney is typically expensive. However, according to federal statutes such as the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Telephone Consumer Protection Act (TCPA), legal fees are paid by the company that has violated your legal rights. It is for this reason that you will never be charged a penny for our services. Also, in the event that we spend our resources and are unsuccessful with your matter, we eat the costs. In addition to obtaining legal services at no cost, you may also be entitled to compensation and of course, deletion of inaccurate information from your credit reports. For example, let’s say you have a legal claim against Company A because they are reporting an account that has never actually belonged to you, and we file a lawsuit. We will pay for the court filing fee, various litigation expenses, and accrue our billable hours, etc. If the case is resolved and we receive funds from Company A, we will use these funds to cover all of our expenses and also provide you with compensation. Even if we lose (which we rarely do), you will still never be charged a penny. Bottom line – we only get paid when we win and never a penny from your pocket.
Most Common Violations:
In accordance with the Fair Debt Collection Practices Act, DEBT COLLECTORS CANNOT:
- Misrepresent, miscalculate, or inflate the amount of the debt.
- Threaten IRS reporting or tax consequences, if untrue.
- Contact you after 9pm or before 8am, unless you have requested that they do so.
- Call your cell phone without permission.
- Continue collection after filing for bankruptcy.
- Continue collection after writing and telling them to stop.
- Harass, oppress, or abuse you.
- Continue collection efforts after you write them to stop.
- Threaten legal action, or sue, on a time-barred or “stale” debt.
- Threaten wage garnishment.
- Threaten a lawsuit when none is intended.
- Provide inaccurate or false information to the credit bureau.
- Fail to report your disputed debt as disputed to the credit bureaus.
- Contact you after representation by an attorney.
- Place private, personal information that is visible through, or on, a mailing envelope.
- Fail to disclose that they are a debt collector.
- Represent that they operate or work for a credit bureau.
In accordance with the Fair Debt Collection Practices Act, CREDITORS & CREDIT BUREAUS CANNOT:
- Fail to report that a debt was discharged in bankruptcy.
- Report old debts as new or re-aged.
- Report an account as active when it was voluntarily closed.
- Report information that is beyond the permitted statutory reporting limit.
- Report a debt as charged off when it was settled or paid in full.
- Misstate the balance due.
- Report late payments when they were paid timely.
- List you as a debtor on an account when you were only the authorized user.
- List information of a stranger who shares a similar name or social security number.
- Fail to notify a creditor that you dispute the debt that it has reported.
- Correct or delete any inaccurate, incomplete or unverifiable information within 30 days.
- Indicate that you dispute the debt.
- Provide your report to someone without a valid need.
This is not a complete list. Please contact us if you believe that your legal rights have been violated in any other way.