Regardless if you owe a medical bill or not. The medical provider must not disclose any of your personal medical information to a 3rd party. They can be sued if they do disclose your personal information.

Collections can be from an old credit card, payday loan, medical bills, personal loans, cell phone, cable bills, etc.  When dealing with collections there is a specific process that must be validated to make sure it is a valid debt and can be legally collected.  We handle that process.

These can drop your credit score down as much as 20 to 30 points in some cases.  We use several strategies to get creditors to reverse late payments.  This must be done the right way or you can end up having the account closed or all the good history deleted making your score drop down more.

These are technical terms for a debt being reported as a loss on their accounting books.  This doesn’t mean that can’t collect on the debt.  They can’t report the debt as an asset on their books.

Most mortgage companies don’t come after you for a foreclosure after the process is done.  But having the mark on your credit reports can hurt your ability to move forward and get approved for new credit.  We have several validation processes in place to get a foreclosure removed including if your mortgage was sold over and over and your original mortgage provider was either fined by the federal government or closed down.

These are inquiries that you’ve approved to be made by companies looking to give you credit.  These can drop your scores and having too many of them can hurt you from getting approved for a loan.  There are specific strategies that can be used to get hard inquires off of your reports and we use these to get them removed.

If your vehicle has been repossessed you have a lot of rights that you need to be aware of.  Regardless if you give the car back willingly or if they take it without you knowing.  A process will be started to sell the car at auction and they will come after you for the deficiency.  That is the balance owed after the car is sold at auction.  We make sure that they followed the law at every step including the original contract, how they took the vehicle and getting the final auction receipt.

This can hurt your credit scores and hurt your ability to obtain credit due to mistakes on your reports personal data section.  These can include misspelling of your name, Sr, Jr, II that is added to one report and not matching another report.  Addresses and other personal information.  We will make sure that this is updated and matches all 3 reports.

You might find it difficult to make companies do the right thing when it comes to getting negative credit off of your reports due to ID Theft of your personal information.  This process must be done using documents that the agencies and federal agencies provide.  We handle all of that for you and usually all negative information will be removed in 30 to 45 days.

You cannot legally file bankruptcy and dispute that you didn’t file bankruptcy on your credit reports.  The bankruptcy must show correctly and if there are in inaccuracies in the placement it must be removed immediately.  We have several strategies to get this done for you.

We can help you get garnishments stopped in some cases.  Depending on the laws in your state you might not qualify to be garnished or qualify to have it reduced.  We will assist you in finding out and help you get it resolved.

In some cases you may have to pay a collection when 100% proven by the collector.  We will assist you in negotiating a discounted settlement to help you get pass it and move forward in your life