DEBT COLLECTOR HARASSMENT

Why Would You Need Good Credit When You Don’t Plan on Buying or Refinancing Your Home?

bigstock-Worried-couple-going-over-thei-47916218The current real estate market is very unstable and reports abound about how the market may still decline.  You may already own a home and find yourself upside down with your mortgage loan balance being well above its value.  You may have lost your home in foreclosure or have recently filed bankruptcy.  In any event, you have no desire to purchase another home or simply feel that the time is not right to buy.  If you own your home, you may feel that refinancing is not an option.  So why worry about your credit score?

 

 

Taking Advantage of Better Interest Rates on Other Purchases

Well, there are distinct advantages to improving your credit score.  If you own your home, a better credit score will enable you to refinance and take advantage of better interest rates.  This may seem obvious.  But what if you do not own a home?

The better your credit score, the better your interest rate will be on automobile purchases and credit card accounts.  You will be able to demand the best rates available.  In fact, bad credit scores can result in interest rates of over 20-25%!  These rates end up costing you thousands upon thousands of dollars over just a few years.

Another unfortunate result of bad credit scores is the lack of confidence in rebuilding your life and providing for your family.  Your dreams to have a fruitful and successful life are not washed away because of a brief set-back in your financial condition.  If you lost your job you will eventually find another.  If your income declined, you can adjust your standard of living to match it.  If you lost your home, or had to file bankruptcy, you can rise up and rebuild your life.  You can still keep those promises you have made to your family and loved ones.

 

Getting Your Life Back

But to get back onto the road of success, you need to start with the rebuilding of your credit.  Some say that credit is everything.  We disagree with this statement, but we do believe that it is the first step to gaining your self-respect and reestablishing a promising financial future.

The attorneys at FCLG understand that everyone’s credit report and financial situation are unique.  We offer comprehensive, customized, and effective solutions that cater to your personal situation. Our attorneys will tailor a strategy that meets your exact credit situation and goals. And it is very affordable.

Our strategies and methods are based upon extensive research of consumer credit laws, experience with credit bureau and creditor tactics, and an insatiable knack for persistence and positive results. Our attorneys strictly adhere to principles rooted in ethics and complaince with all federal laws and strive to deliver results that not only help repair credit reports and restore credit scores, but help recover the financial freedom that has been unfairly compromised by inaccurate data affecting your credit profile.

 

What Can Be Done?

We have successfully helped remove or improve questionable items on credit reports including:

  • Late Payments
  • Collections
  • Charge Offs
  • Bankruptcies
  • Inquires
  • Judgments/Liens
  • Repossessions
  • Foreclosures
  • Identity Theft/Fraud
  • Incorrect Personal Information

Our attorneys have effectively disputed every kind of problem a credit report can have. FCLG works with the credit bureaus and your creditors to resolve issues on your credit reports and delete or remove items that should not be there, items that should be updated, and items that should be re-characterized.  We’ve studied credit reporting, the credit bureaus and creditor reporting methods to maximize the results we can obtain for you.

Credit Repair might be time consuming, but not expensive or difficult if you educate yourself.

 

Your First Step?  Contact Us Now For a Free Consultation

The first step to better credit is to contact us.  Once you have, we will teach you how to get copies of your credit reports for free.  And once we have met and analyzed your reports, you will see for yourself how your life can be restored and your family’s well-being secured.

Blog Post:

The Federal Debt Collection Practices Act (FDCPA): the Consumer Law Built to Protect

Simply owing money does not necessarily mean that a debt collector can legally collect it from you. That you actually borrowed the money is not as important as HOW the debt collector is trying to collect it. When a debt collector harasses you, or threatens you, there are federal consumer laws that will protect you. One of these laws is the Federal Debt Collection Practices Act (FDCPA). When a debt collector violates this federal law, there are penalties that are imposed upon them. The FDCPA was designed to protect you, the consumer, from debt collector abuses. You do not have to accept harassing and threatening debt collectors because the FDCPA provides remedies and recourses against them when they do.

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