Phase I. The Original Creditor
- The law firms request documents from your creditors and a change of billing address.
- Your attorney will challenge certain information.
- Your attorney will send a “billing dispute notice” in accordance with
the “Fair Credit Billing Act”.
Phase II. The Third party Debt Collector
- Your attorney will sue any debt collector/creditor that violates
the “Fair Debt Collection Practices Act” or “Fair Credit Billing
Act”.
Phase III. Law Breakers
- It is vital you maintain a Debt Communications Log to monitor how
many times the law is broken.
Phase IV. Credit Bureaus
- The “Fair Credit Reporting Act” requires that credit reporting
agencies accurately report the status of accounts.
- The attorneys
ensure that creditors and third party debt collectors do not unlawfully
report inaccurate data.
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Your Options: Debt Validation |