Just how much does the service cost?
Nothing at all, until we collect.
Exactly how do you collect?
We use a proprietary combination of letters, telephone call, faxes, skip tracing, emails, lawyers and private investigators.
Exactly how lots of steps of collection do you have?
We utilized a 4 step process:
Step 1 Claim Submission
Step 2 Contact and Inform Debtor
Step 3 Secondary contact
Step 4 Filing lawsuit and submission to the credit bureau
Can I go for the stage I would like to begin in?
Definitely yet we suggest beginning in step 1.
We are experts in debt negotiating and advise you to let us do what we do best.
Just what states can easily you collect in?
We provide national and international collection for our clients. We are licensed in all states and legal systems that need licensing and/or use an attorney/agency neighborhood to your debtor who is.
What if I don’t know where the debtor is located?
We do what is called “Skiptracing” which allows us to track and find any debtor you may have. Contact us today as well as inquire about a “Deep-seated skip tracing.”
* Please note, consumer debtors in many states are managed by agency affiliates and lawyers.
It is a well known fact that consumers have the legal right to conduct a credit report dispute. If a credit report dispute is necessary, the first place to start is with the bureaus; since they are the ones who collect and maintain your information. Most of the time, the item in dispute is deleted from your credit report by the bureau without having to contact the furnisher of information (the original creditor or other entity who reported the information to the bureaus). However, if the bureau responds with “verified as accurate” or neglects to investigate your credit report dispute you may then need to turn your focus to the furnisher of information.
Furnishers of information are also regulated by the FCRA. The information they report must be current, fair, and accurate. The two major furnishers of information you will be dealing with are original creditors and collection agencies. Each one operates differently and will require different credit report dispute methods. What may be effective with a collection agency may not be with the original creditor and vice versa. It’s important to know their differences in order to get results, but more importantly to make sure your credit report dispute efforts stay within the legal realm.
Credit report dispute with original creditors. Look on your credit report and make sure that the debt listed by the original creditor has not been sold to a collection agency who is also listing the same debt. Once your debt has been sold to a collection agency, the original creditor can no longer list it. So make sure you dispute any duplicate items on your credit report. A credit report dispute with an original creditor looks the same as a credit report dispute with the bureaus. Follow the same steps and include all of the information in your letter as if you were contacting the bureaus; just make sure you address it to the original creditor.
Credit report dispute with collection agencies. Validation of Debt (VOD) is a process that can be very effective in the credit report dispute process when dealing with collection agencies. A provision of the Fair Debt Collections Practices Act (FDCPA) allows debtors (or alleged debtors) to receive proof that the “alleged” debt is valid. This means that, upon your request, the collector must provide absolute proof that the debt is yours. Often, they will have difficulty gathering necessary information, particularly if your debt has passed through many hands (which also leaves more room for error). Demand they produce a contract with your signature and a complete payment history or receipts. Give the collector about 30 days to respond.
Again, in most credit report dispute cases, it’s best to dispute to the bureaus first, but with collection accounts you could consider sending a VOD letter to the collection agency at the same time you send a dispute letter to the bureau. This way, the collection agency is getting pressure from both you and the bureau to present adequate proof of debt.