Debt collectors can be very persistent and won’t take no for an answer. They call, email, track you down on social media, and send letters almost on a daily basis. At The Credit Dispute Center, we aim to stop the harassment, get them off your credit report, and find any violation of your rights under the Fair Debt Collection Practices Act (FDCPA) or Fair Credit Reporting Act (FCRA), and help you hold them accountable.
If you have one or more debt collectors contacting you, or reporting on your credit report, chances are they have violated the FDCPA, or will be violating the FDCPA. If a Debt Collector violates these laws and regulations, you could be entitled to up to $1,000 per violation. Debt Collectors know the majority of consumers do not know their rights and they capitalize on that. They will do just about anything to collect debts including, making threats of jail time, wage garnishment, calling your work, neighbors, and other family members in order to scare you into paying your
debt. We at The Credit Dispute Center want to stop these unfair and dirty tactics. Violations can be something as simple as an envelope mailed to you that you can tell it came from a debt collector, to abusive language, contacting you after you have told them to stop, or reporting false information on your credit report such as, not marking a disputed debt disputed, or marking it disputed when it is not disputed. With our Debt Collection Auditing Service we will audit every collection you currently have. Our Debt Collection Audit Service is INCLUDED in BOTH our Attorney Direct and Quantum Matrix Dispute Credit Repair Packages, or can be done separately. They do not need to be reporting on your credit report for us to audit them. During the audit process we will look at all the documentation you have, and look at your credit reports. If we discover any violations we will consult with our network of consumer protection attorneys for further instruction. We will also prepare letters on your behalf to communicate with the collectors. During this process, we may find more violations. Even if we don’t find violations in the initial audit, we will also prepare letters on your behalf to the collectors and find violations. If we find violations, we will then consult with our network of consumer protection attorneys to see if you have a case. If you do have a case, with your consent, we will forward your file to the attorney for litigation. If you win the collector is liable to pay you up to $1000 per violation and all attorney fees.
Our Pricing for this service depends upon the amount of work needed and the number of collection accounts. You can have multiple collection accounts listed with the same Debt Collector. Each account is treated individually regardless of the collector. If we find no violations during our audit process and the item is reporting on your credit report, we will attempt to have the account removed from your credit report(s). We will prepare up to 3 rounds of challenges for credit report deletion. There is a flat fee of $20 per communication sent for credit report removal to reimburse for certified mailing expenses, and $50 per deletion per credit bureau for removal. It is possible your collection accounts may be removed from your credit report during the audit phase, or after successful litigation, if this happens the deletion fee applies. If we find violations during the audit phase, with your consent, we will forward your file to our network of consumer protection attorneys for litigation. If the attorney takes your case, we do charge a document prep fee of $100 per account we send to the attorney network. The Debt Collection Audit Service is included in our Credit Repair Program, you only pay the Audit Fee and Document Prep fees already in the credit repair contract (Per Deletion and Per Communication fees only apply to new accounts that come up after you sign the credit repair contract). Unlike the Credit Repair Program, the initial audit is a flat, one-time fee (no monthly fees), and our service term is 2 years. You are free to cancel anytime, but during the service term you can bring any new collection to us that lands in your mailbox, you then would only pay any communication or deletion fee should the new collection report to the credit bureaus, and any document processing fee if your new collection has been sent to the attorney.
*We are not attorneys, although we have extensive knowledge of the FDCPA and FCRA, we do not practice law. The Credit Dispute Center makes no representation of whether an attorney will take your case, the outcome of litigation, the actual damage amount you will be awarded if your case is successful (Violations are worth UP TO $1,000 each plus attorney’s fees paid by the collector.) and have no vested interest in your awarded damages.
Sometimes we have to take a stand. Sure we may owe a debt, or a surprise medical debt we never got a bill for shows up on our credit reports. While no one likes to have a debt collector chasing them, we do acknowledge and reconize that a legitimate collection where the debt collector abides by the laws and regulations, should by all means attempt to collect the debt in a fair and honest manner. However, it seems many debt collectors do not follow the law and would rather harass you, banking on your ignorance of the law in order to scare you into paying them. I say it is time to fight back, and force these debt collectors into accountability. It is time to force these debt collectors into compliance.
Work hard pray harder.
ACTS 2:37-40