At What Point Do You Become Involved In A Credit Reporting Error Case?

As soon as you notice something false on your credit report is the best time to call an attorney. If you try to dispute it yourself and then call us, the first thing we are going to ask is whether there are any disputes in progress. Then, we have to wait 45 days to even get you an appointment because we want to see the information on the credit report without any pending disputes. If you initiate a dispute, you have to wait at least 45 days for that to play out and then we start the process all over again.

What Outcome Can I Expect If I Am Successful In A Credit Reporting Error Case?

I don’t think any lawyer can guarantee the outcome of any particular case but if you have false information on your credit report and the furnisher fails to remove it after the re-investigation process, what you can probably expect is to have the false information removed, have all your costs and attorney’s fees reimbursed, and the statute also provides for some other, monetary damages.

What Type Of Evidence Is Important In Credit Reporting Error Cases?

There are many ways to prove that an extension of credit either didn’t happen or was done fraudulently. For instance, the loan might be a mortgage loan out of Texas. If we can show that you were never in Texas or that you weren’t in Texas on the day that someone took out the mortgage we can challenge the tradeline. We would be able to show, in a credit card case, that the bills from the credit card were going to a different address than the one you lived at. We can show that you never made a payment on this debt; that the payments came from a different source. Usually, we do that through the discovery process in court, in a lawsuit.

How Long Does It Generally Take To Resolve Credit Reporting Error Cases?

In some of the bigger cases, where we have 15 or 20 defendants on a big identity theft case, the whole thing can take a couple of years. Sometimes, we can get a smaller case resolved in under 90 days.

Who Covers The Cost And Fee Associated With My Case If I Do Need To Fix My Credit Report?

The Fair Credit Reporting Act has what’s called a fee shifting provision. If you prevail on one of these cases, the other side pays your costs and attorney’s fees. In these types of cases, depending on the amount of time spent on the re-investigation process, we charge an upfront fee. As far as litigation goes, we ask that the court make the other side pay any fees involving the lawsuit.

What Should I Do If I Am Being Sued By A Creditor?

If you are being sued by a credit card company, a car loan company, a mortgage company, or even over student loan debt, one thing that I want to stress is to get an attorney. I go to court all the time and see people trying to represent themselves against lawyers who have been practicing for 20 or 30 years. These lawyers understand the law and the rules of civil procedure and I see people get buried. They lose before they even know what’s happening. They read things on the internet that aren’t true; they go in and try to say these things to the court and they get a judgment against them.

I get a lot of calls from people who try to handle things themselves and they blow it, and then they call me in. At that point, sometimes there is a remedy but a lot of times, it’s too late. This firm has saved people hundreds of thousands of dollars in the aggregate because they came in and followed common sense. Don’t go to court without a lawyer. You should never go into the court system without representation.

Call an attorney. It’s important that someone make sure that you are not getting cheated again; that you are not paying too much interest; that you are not going to be paying off this debt for 10 extra years because of interest. You also need a consumer advocate to look over your paperwork because there just might be a lawsuit in the paperwork you were served with. There might be a violation of federal law in the paperwork you were served with, or in some of your collection letters. Get a lawyer to represent you.

For more information on Lawyer’s Involvement In Credit Report Error Cases, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (248) 843-0550 today.