Credit, Mortgage, and Debt Representation

We Help You fight Credit Card Lawsuits, Debt Collection Harassment, and Wrongful Credit Reporting.

Debt Collection Harassment

According to the Federal Fair Trade Commission, they receive hundreds of thousands of complaints every year about unfair or deceptive collection practices. The Better Business Bureau in St. Louis recently released a study pointing out problems in the debt collection industry and a metoric rise in complaints against debt collectors. Our firm hears about new debt collection problems every day. We help consumers fight the harassment and seek compensation for the real damage, humiliation, and embarrassment often involved.

Credit Card Lawsuits

Often our clients are being faced with credit card lawsuits. Debt buyers and collection agencies bring these lawsuits hoping that the defendant will simply call and make payment arrangements under the fear of what might happen if a judgment is taken against them. Some people falsely believe that they might go to jail if they don’t pay their debts. Some debt collectors have been known to threaten wage garnishment, repossession of a car, or that the lawsuit will result in a lien on the person’s property. These threats are all false. Further, many times lawsuits brought by debt buyers can be defeated in court with a good legal defense. Learn more about credit card lawsuits.

Credit Repair Myths and Truths

Perhaps you are wondering if all those advertisements you read on the internet are true. Can someone really help you clean up and restore your credit? Perhaps you have already sent your money, even for months and months, and are not satisfied with the results.

DON’T BELIEVE THE LIES. While it is true that if one throws enough mud at the wall, some of it will stick, the reality is that it is illegal for an person to promise to you that they can remove truthful, accurate, timely, complete information from your credit report. There is no magic bullet to remove that repossession, foreclosure, bankruptcy, late payment, charge off, or other negative event from your report, as long as it is truthful, accurate, and complete.

THE TRUTH. You are entitled to enforce your rights under the federal Fair Credit Reporting Act to ensure the removal from your report of inaccurate, out of date, unverifiable, or incomplete information. If credit reporting agencies are violating the FCRA and you are being damaged, you have the right to redress in court. That’s where the Dallas Credit Attorneys at Kellett & Bartholow PLLC, come in. Read more about your right to an accurate credit report, our services and, if you think we may be able to help you, contact us for a free evaluation of your situation.