Archive for the ‘Choosing a Service’ Category

Should You Hire a Credit Attorney

Friday, April 16th, 2010

If you are tired of the constant phone calls and letters from collection agencies, there is a way to get some relief.   Even though you may have a good argument as to why the debts are not your responsibility, the collection agencies will continue to harass and intimidate you until you stop them.

One of the ways to do this is to hire a credit attorney.  We personally used attorneys from the Lexington Law Firm, which is a credit advocacy law firm that specializes in helping the consumers in repairing their credit.  They operate in 16 states and employ 22 attorneys, as well as 400 paralegals.

It’s true there is a process that allows you are able to handle credit matters on your own, however many find the process tedious and difficult. You may consider the fact that a good credit attorney has the expertise and the experience to cut through the red tape to reach a positive outcome for you.

Here are a few things a credit lawyer can do for you:

  • If a debt cannot be verified, it must be removed from your credit report.  It’s easy to become discouraged and want to give up after not hearing from the credit reporting companies, even after you have launched a complaint.  Lexington Law will stay on the job and make your case a priority.

Since 1991, the attorneys have used the methods established by the Fair Credit Reporting Act (FCRA). For instance, they handle disputes efficiently and thoroughly to protect your rights as a creditor.  With our case we saw our negative items removed quickly.

We also liked that one person handled our case from start to finish. We were also shocked to learn how affordable the credit repair attorney services are. There is a small first work fee and the monthly price is as low as $39.95 per month.

Credit Team USA Sued for Fabricating a Fake Stimulus Package

Wednesday, March 3rd, 2010

It seems as though faux credit repair companies are being exposed left and right. We recently posted about a credit repair scam as well as a more established company called Veracity Credit consultants who was sued by the Colorado Attorney General.

Now, a consumer has taken the initiative to file suit against Credit Team USA. http://www.courthousenews.com/2010/03/02/25153.htm

The plaintiff is seeking to recover damages exceeding $3,000 for various misrepresentations. Specifically, the plaintiff alleges that this credit repair company charged up front fees (which is illegal in some states) and also fabricated an Obama credit repair stimulus package.

Unfortunately, this consumer could not get the company to refund his money and now he’s forced to seek judicial intervention.

This is just another example of the many predators that occupy the credit repair space. We posted several tips on how to avoid a credit repair scam here. However, the bottom line involves common sense. We strongly encourage you to choose a credit repair law firm. Having an affordable and licensed attorney fight your case is just good common sense. Plus, you don’t have to worry about getting scammed. Lawyers are regulated by strict bar association rules and are therefore will provide the level of ethical service you normally expect.