Credit Repair & Creditor Harassment

Credit Repair

Credit Repair is another Non-Bankruptcy Program that we offer.  Credit Repair is available to two varieties of Clients.  For our Bankruptcy Clients, we offer Credit Repair after the Debtor receives her Discharge in a Chapter 7 Bankruptcy or after the Debtor’s Case is Confirmed in a Chapter 13 Bankruptcy.  For our Non-Bankruptcy Clients we also offer Credit Repair.  In both cases, Credit Repair involves reviewing your Credit Report and objecting to any mistakes, omissions or inconsistencies through a formal process  of certifiied correspondence.

Credit Repair can have a dramatic effect on your Credit Score if done properly.   Similar to Debt Settlement Programs, beware the Hucksters and Liars.  It is not legitimate or lawful to repair your Credit by obtaining a new Social Security number.  It is only lawful to obtain a new Social Security number if someone has misappropriated your original Social Security number and not because one has bad Credit.  Credit Repair also can not usually eliminate legitimate Debts from your Credit Report.  Credit Repair is designed to improve your Credit Report and Credit Score by  eliminating mistakes, omissions and inconsistencies from your Credit Report, thereby increasing your Credit Score.

Creditor Harassment

We have a number of Clients who are the subject of Creditor Harassment.  If you owe money to a Creditor, the Creditor is limited in the manners it can attempt to collect that Debt.  A Federal Law called the Fair Debt Collection Practices Act (FDCPA) and its version under the State of Florida, prevents Creditors from certain Collection Practices.  For example, Creditors are usually enjoined under the Law from calling you early in the morning or late at night.  They are also prohibited from contracting Family or Friends regarding your Debt, to contact your Employer if she does not welcome  such calls, or to contact you if you are represented in a Bankruptcy or are represented by an Attorney.

The majority of Creditors can be annoying but not necessarily sanctionable under the Creditor Harassment Statutes.  However, in  the more egregious cases,  we will Sanction a Creditor for bad behavior.  The Court will usually award our Clients a nominal sum for the violation of the Statutes plus Punitive Damages in many cases.  The average damages usually amount to about $7000.00.  We do not charge a fee for representing our Clients in such matter but our compensation is usually a percentage of the amount awarded by the Judge.