There seems to be a shortage of North Carolina Attorneys that practice consumer law. However, I know they are out there, and there are many that practice some sort of consumer law, such as bankruptcy. We do have a vast nationwide network of consumer attorneys that we can send our clients to, but I would rather send my clients to a local source where we can meet face-to-face. Besides, no one knows the judges and arbiters better than the locals.
Seeking Partnerships With North Carolina Attorneys
If your firm practices consumer law, specifically FCRA and FDCPA cases, we are looking for you! Even if you practice bankruptcy or looking to expand your practice into FCRA and FDCPA cases we are looking for you too! It is also said in our industry that Personal Injury Attorneys make great Consumer Attorneys because they are great at building a case and arguing it, but also they don’t get paid unless the client gets paid, just like Consumer Attorneys. In this article today, I am going to discuss the benefits of a partnership with my company, Credit Wellness Solutions, and how we can help you grow, or scale your consumer law practice.
The Growing Need For Consumer Attorneys
Consumer complaints against the big 3 credit bureaus, and data furnishers have skyrocketed according to the Consumer Finance Protection Bureau (CFPB). Debt collection complaints are also on the rise. Consumers are jaded, and it’s getting worse. As they say, “The fields are ripe and ready for harvest”. I will personally say, after analyzing
many credit reports, that an accurate credit report DOES NOT exist! To make matters worse, credit scores are generated by the data that’s contained in a credit report. This is hurting consumers and at the bare minimum, they are paying more in interest than they should be because of their credit scores. Debt collectors and debt buyers are also getting away with murder. The need for consumer attorneys, specifically North Carolina attorneys is dire.
Why Credit Wellness Solutions Is Unique
Credit Wellness Solutions isn’t your average credit repair company. We practice Pre-Litigation credit repair, which means our dispute process is entirely different. Currently, we do not use any automated software to generate our disputes. Our dispute process starts with a full audit of the consumer’s bureau direct credit reports. We identify every error, omission, and inconsistent reporting amongst the 3 credit
bureaus. Then applying the credit reporting rules of Metro2 (yes we have the Metro2 manual), we draft the dispute listing every issue we identified in our audit. This ensures not only a dispute based upon fact, but also an accurate dispute with the use of bureau direct credit reports. After 45 days, we audit the consumer’s credit reports again. We identify the remaining errors (if the first dispute did not yield a deletion of the account, or correction to “maximum possible accuracy”) and give the credit bureaus and data furnishers one more opportunity to either correct the disputed account to “maximum possible accuracy” or delete the account. If the account remains error laden, we then forward the client to our network of attorneys (this is why we are seeking more North Carolina Attorneys). To see a comparison of a traditional credit repair company vs Credit Wellness Solutions, Click Here.
What Our Dispute Process Proves & Why You Can Easily Win
Our disputes are hand generated and designed to build a strong case against the bureaus and/or furnishers. Unlike most credit repair companies, we do not quote the law, nor do we cite case law. We do however ask questions, and tailor each dispute to build one upon another in order to yield the best possible result for the client.
Here is what our dispute process shows the judge, jury, or arbiter:
- You will show the arbiter or judge that you disputed factual credit reporting errors, and give them multiple opportunities to make it right.
- You will show the arbiter or judge that the account is in violation of the FCRA by not being reported to “maximum possible accuracy”.
- You will show the arbiter or judge that “reasonable procedures” were not followed or failed when investigating your dispute.
- You will show the arbiter or judge that a “reasonable reinvestigation” was not conducted, or at the very least botched.
- You will show the arbiter or judge that this process cost you a lot of emotional distress and fees to hire professional help.
Debunking Myths For North Carolina Attorneys
- Metro2 Is Not The Law – This is partially true. Indeed, Metro2 is not the law. However, Metro2 was a procedure created by the credit reporting industry to meet the FCRA’s mandate of “maximum possible accuracy”. It can be easily argued that Metro2 ties directly to the law. If the account is not Metro2 compliant, it is also not meeting the FCRA’s mandate of “maximum possible accuracy”.
- You Can’t Sue For Simple Credit Reporting Errors Because Of The Ramirez vs TransUnion Supreme Court Precedent – Not entirely accurate. That precedent only applies in Federal Court, so you can always file suit in State Court. However, damages can easily be created with a good hard inquiry and denial for a mortgage loan, then you have damages you can sue on and take it to the Federal level.
- All Credit Repair Companies Are Scam Artists – Again not true. Only those companies that are not in compliance with the Credit Repair Organizations Act (CROA). Furthermore, a lot of the credit repair industry is evolving. Credit repair companies are beginning to learn that traditional credit repair methodology no longer works (609 letters, “prove it or remove it” disputes, etc). Credit Wellness Solutions stays up to date on the industry, and helps educate other credit repair companies to learn effective credit repair methods such as Pre-Litigation disputing, and the use of other methods such as credit building.
- Law Firms Cannot Give Or Accept Leads To/From Credit Repair Companies – I know this isn’t accurate. I do know some state bar associations prohibit the purchase or selling of leads to/from non-attorney sources. However, nothing prohibits us from working together.
North Carolina Attorneys Can Also Help Credit Wellness Solutions Hold Debt Collectors And Debt Buyers Accountable
No one likes sleazy debt collectors. At Credit Wellness Solutions, we audit all debt collectors and debt buyers for FDCPA compliance. We know how to spot blatant violations. For many North Carolina attorneys, FDCPA cases tend to be the easiest to litigate, and the most profitable. At Credit Wellness Solutions, we know how to communicate with debt buyers and debt
collectors to find more violations of the FDCPA without entrapment or fluff. Clients come to Credit Wellness Solutions because debt collections really put a damper on their credit. Often they are surprised when we find that the debt collector violated the FDCPA with their envelopes, dunning notices, or phone calls with the client. They are even more surprised when they find they violated the FDCPA when the debt collector continues to contact them after they tell them to stop, or by failing to notify the credit bureaus the collection was disputed. This is certainly a way for North Carolina attorneys to grow their firm’s business with a partnership with Credit Wellness Solutions.
Other Benefits Of Partnership For North Carolina Attorneys
- A Stream Of Clients With Cases Ready To Litigate – Any client we send your way, you will have to do little or nothing to prepare the client’s case for litigation or arbitration.
- Free Up Your Staff And Resources For Other Tasks – As you may know, a proper credit report audit, and the dispute process can be rather time consuming. Allow Credit Wellness Solutions to audit credit reports and to handle the dispute process. This will allow your staff to focus on other tasks to keep your law firm running like a well-oiled machine. Many attorneys farm this out to virtual assistants. Although VA’s are more cost effective than allowing your staff to do these tasks, VA’s lack the knowledge of the credit system, causing you to leave money on the table. Instead of paying VA’s, send your client to Credit Wellness Solutions, where you can recoup the client’s fees in the settlement or judgement.
- Many Cases Settle Outside Of Court Or Arbitration – Although this is and will be true in many cases, our dispute and audit process is so thorough and strong, we believe the vast majority of our cases will settle because the defendant will know they have no way to argue their case. That makes for an easy win for you and the client, without the hassle of litigating or arbitrating.
- First Choice For North Carolina Attorneys – Attorneys who partner with us and allow us to help your firm with the dispute process, will get priority over our national network of attorneys who litigate cases nationwide for our client’s cases that are ready to litigate or arbitrate. It will be based upon your location and our client’s location so the client can meet you face to face.
Final Thoughts
For North Carolina attorneys, you can finally have a partnership with a legitimate credit repair company that goes above and beyond what the industry typically does. North Carolina attorneys can learn more by visiting my website, and compare Credit Wellness Solutions against other companies. We are registered as a proper company with the NC Secretary of State and carry the required credit repair bond. North Carolina attorneys can rest easy knowing they are working with a true professional who knows the industry, and knows how credit accounts should report. To partner with us, or learn more CLICK HERE.
