When negative items appear on your credit report, you have specific rights under federal consumer protection laws. Our legal credit counseling service helps you understand these rights and provides the documentation needed for proper legal representation.
Unlike traditional credit repair companies, our approach focuses on legal compliance and consumer protection. We provide comprehensive credit analysis and prepare the necessary legal documentation that enables licensed attorneys to represent your interests effectively.
Our legal documentation service includes:
Note: The $599.99 fee covers legal documentation preparation. Once documentation is complete, your case transitions to attorney representation for dispute resolution and potential settlement recovery.
We conduct a thorough analysis of your credit reports, identifying items that may violate reporting standards or lack proper verification. This initial sweep provides the foundation for legal documentation.
Our team prepares comprehensive legal documentation, including violation reports and procedural compliance analysis. Your case file is then reviewed and prepared for attorney representation.
Once documentation is complete, licensed consumer law attorneys take over your case, handling all disputes and pursuing both negative item removal and potential violation settlements.
According to 15 U.S. Code § 1679c, neither individuals nor credit repair companies have the right to remove accurate, current, and verifiable information from credit reports. However, licensed attorneys can challenge:
Timeline: 15-60 days for results
Success Rate: 99% for standard cases, 100% for cease-and-desist notices
Additional services available to strengthen your case:
If measurable results aren't achieved within 30 days, we continue working on your case at no additional cost until improvement is documented.
Ready to understand your consumer rights and begin the legal documentation process?
If you've worked with other credit repair companies without success, you may benefit from a comprehensive legal review. Our attorney partners can evaluate your previous efforts and determine if violations occurred during prior restoration attempts.
Request Attorney Review FormDBRA Document Preparation Service - Clear Your Credit. Reclaim Your Future.
The Debt Bondage Repair Act (DBRA) is a federal law that prohibits credit bureaus from including adverse credit information that resulted from human trafficking.
Survivors can have trafficking-related defaults, judgments, and collections blocked and removed from their credit reports—opening doors to housing, employment, and financial independence.
Service Fee: $599.99
4
Business Days
Items Blocked
25
Business Days
Final Determination
30-45
Total Days
Complete Resolution
Assess eligibility, identify adverse items, and coordinate certification through our non-profit partner.
Prepare all required submissions for Equifax, Experian, and TransUnion with full compliance.
Submit to all three major credit bureaus and track responses throughout the process.
Monitor determinations, handle CRA communications, and assist with appeals if needed.
WBC Consulting Group works directly with a trusted non-profit organization authorized to certify survivor statements and provide trafficking determinations. This ensures streamlined processing, authorized certification, and access to additional survivor resources and support services.
The Debt Bondage Repair Act gives you the legal right to clear your credit and move forward.
Let us handle the complex documentation process so you can focus on rebuilding your life.
All consultations are strictly confidential. Your information and survivor status are protected throughout the process.
We are here to educate any individual so they can achieve great credit scores and live a better lifestyle and greater opportunities.
