Legally Represented Credit Counseling
Every step of our legal credit counseling service strictly adheres to federal consumer protection laws - specifically the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). This legal framework protects your rights while our attorneys work to resolve credit reporting disputes on your behalf.
Why do you need Legal Credit Counseling?
Consumer laws are designed to protect you from violations by credit reporting agencies. 15 U.S. Code § 1692g – Validation of Debts This law mandates that credit reporting agencies must validate any debts that you consider inaccurate. Have you ever received a notification from a credit reporting agency claiming to have validated your information without providing any documentation, especially if you personally disputed negative items or had a credit repair company dispute items on your behalf?
HOW WE CAN HELP?
We handle disputes like:
- Charge Offs
- Bankruptices
- Collection
- Repossessions
- Late Payment
- Inquires
We are not a credit repair company. Instead, we empower you by providing licensed attorneys who will effectively dispute all negative items on your credit report, ensuring that creditors and credit reporting agencies comply with consumer law.
Credit repair companies often face significant challenges in achieving results due to false claims and regulations that prevent them from charging fees before services are rendered. This has led states like Georgia to make credit repair illegal, with others potentially considering similar actions. Because credit repair companies have limited rights, credit reporting agencies and creditors know that hiring such a company often means waiving many of your consumer rights. As a result, they frequently respond to disputes with requests for validation since they are not obligated to comply with consumer laws unless you are represented by a licensed attorney with power of attorney. This situation often results in little or no success for the consumer.
Our attorneys demand proper validation as required under consumer laws or the removal of negative items from your credit report. There are no monthly fees because your assigned attorney will obtain power of attorney and dispute all items at once. This legal representation obligates creditors and credit reporting agencies to respond with validation of all items within 30 to 45 days, or the negative items must be removed.
Personalized Credit Solutions - Built Around Your Goals
Inquiry Removal
$199.99
Power of Attorney Notary: $25
Postage Included
Total Cost for ALL Inclusive Licensed Attorney Representation for all disputes: $499.99
Power of Attorney Notary: $25
Postage Included
*Bankruptcy not included
Bankruptcy Removal $399.99
Power of Attorney Notary: $25
Postage Included
Do you offer a payment option for credit counseling repair?
Flexible Payment Solutions to Start Your Credit Journey Today
YES!
How Does Our Legally Represented Credit Counseling Process Work?
01
You will grant power of attorney (POA) to a licensed attorney, allowing them to act on your behalf and communicate with creditors and credit reporting agencies. This ensures that they comply with the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) consumer laws, and with the creditors and credit reporting agencies so that they comply with the FDRA and FDCPA consumer laws.
02
Your licensed attorney will review your credit report and dispute all inaccurate items by sending disputes to all three credit reporting agencies: Experian, Equifax, and TransUnion. This process will also include sending cease and desist letters to creditors (debt collectors) and contacting government agencies, including the Federal Trade Commission and the State Attorney General. Our attorneys communicate directly with the General Counsel of the legal departments for the three major bureaus.
03
According to consumer law, credit reporting agencies and creditors (including debt collectors) have 30 to 45 days to respond to and validate any negative items on your credit report. If they cannot validate these items within this timeframe, they must be removed. You will be contacted with updates on any pending or completed responses, and you will be informed if any additional information is needed. will be contacted with all responses and results that could be pending or completed and if any more information is needed.
Consumer laws exist to protect you from violations by credit reporting agencies.
Benefits of Hiring a licensed attorney and granting them power of attorney
- Professional Representation:
An attorney can represent you and your interests in dealing with creditors and credit reporting agencies, ensuring that all communications are handled professionally and legally under consumer law. - Protection of Your Rights:
An attorney can ensure that your rights as a debtor are protected throughout the process, preventing unfair or illegal debt collection practices. - Faster Resolution:
By handling communications with creditors and credit reporting agencies, an attorney can expedite the process of resolving debt issues, potentially leading to a quicker resolution than if you were to handle it yourself.
Additional credit services designed to improve your score. Our Credit Builders help increase your credit score, which is just as important as removing negative items.
Our legal credit counseling service connects you with our network of partnered attorneys who will represent your consumer law matters.
Through our legal credit counseling service, you’ll be connected with one of our partnered consumer law attorneys who specialize in credit reporting matters. Our attorneys have extensive experience in handling credit disputes and consumer protection cases across all 50 states.
Our legal team assists with: • Credit reporting violations • Debt collection practices • Consumer protection matters • Credit bureau disputes • Creditor negotiations
As part of our $799.99 all-inclusive package (plus $25 notary fee), you’ll receive attorney consultation, comprehensive analysis of your three major credit reports, and direct legal representation. Your assigned attorney will handle all communications with credit bureaus, creditors, and relevant consumer protection agencies on your behalf.
Our attorneys work through our established legal framework to achieve results within 30-90 days, ensuring all actions comply with consumer protection laws and federal regulations.
Recent Settlements Achieved with Credit Reporting Agencies
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- (888) 819-4508