What is the Fair Debt Collection Act?
The Fair Debt Collection Practices Act (FDCPA) was approved by Congress in September 1977 and protects consumers from being mistreated by debt collectors. Because of the FDCPA, debt collectors are legally not allowed to harass or mislead you in any way. So, if you are being harassed by a debt collector, you are able to take legal action because of the FDCPA.
Our service includes your private assessment from a licensed attorney. We stay current on recent laws, statutes, and credit reporting practices. We know what items on your report affect your score the most and utilize multiple laws to make the debt collector prove they are authorized to collect and that the debt originated in lawful compliance with all federal and state laws and regulations including the Truth in Lending Act (TILA), Credit Card Act of 2009, Fair Credit Reporting Act (FCRA), and the FDCPA.
We have a real life, licensed attorney review your credit file upon submission and regular reviews to optimize our success for you. A low credit score can keep you from the things you want. But did you know a low credit score can impact a lot more than just financing? Some employers have a minimum credit threshold. Call us today and let our experience save you time, money, and frustration.
We know that untangling your credit can be both stressful and confusing. Send us a message today, and we can get you started on a path to financial freedom.
9 West Ridgely Road #144, Lutherville Timonium, Maryland 21093, United States