In order to fully understand how we perform credit repair, it’s equally important to understand what we don’t do. When it comes to a debt, we’re not in the business of refusing to pay one that’s legitimate and valid. Instead, if a debt isn’t legitimate at all, we help you with debt validation. Let’s talk a little about what that is, how it affects you, and how our credit repair business can help.
Suppose you get a phone call from a debt collector. They want money from you. The problem is, you don’t think the debt is actually yours. What should you do? If there’s one thing you shouldn’t do it’s automatically agree with the debt collector that the debt truly is yours. According to the Fair Debt Collection Practices Act, a debt collector is required to send you written validation of debt within five days of contacting you. The letter must include:
- The amount you owe
- Who the debt is owed to
- A statement giving you 30 days to dispute the debt
- A statement claiming that, if the debt is disputed by you within the 30-day time frame, the debt collector will mail you either verification of the debt or a copy of the judgment against you.
- A statement that the debt collector will include the name and address of the original creditor, if it’s different the current creditor, providing that you request the information, in writing, within 30 days.
In such cases, you simply call us and we do all the work for you, right? Well, not exactly. When it comes to disputing a debt, the battle is waged through the U.S. Mail. We’ll write a dispute letter and send it to you. You’ll sign it, make a copy of it, and send it via certified mail and return receipt. A month later, you’ll receive another letter from us, building on the information of the first letter. You’ll send that out in the same manner. For two more months, the same debt validation process will happen.
What happens after that? Remember that this can all take anywhere from six months to a year. Ideally, the debt collector will issue either a zero-balance statement or a letter of dismissal. They may also sell the debt to a third-party debt collector. Don’t worry, we have that situation covered. We’ll draft a response forcing them to prove that the debt is real, it belongs to you, and they have the legal capacity to collect the debt.
Dealing with debt collectors can be frustrating and confusing. But whatever happens, we’ve got your back. From debt validation to credit relief, our credit repair business can help. For more information on how to start taking your financial life back, contact us today.
INCLUDED IN THE PROGRAM FOR FREE
FREE Attorney Protection – In the event of a lawsuit, we will place you with our network of attorneys at NO Additional CHARGE. It will cover ALL attorney fees on UNLIMITED accounts all the way through trial if necessary. We will also have you enrolled in our Consumer Protection Services. This pertains to harassing phone calls they may be receiving for TCPA violations or any other legal correspondences that may have violations. For collection calls and robo-dials to cell phones, our attorneys will assist the client with the revocation request. Then, any calls to that client’s mobile phone is considered a violation.
FREE Debt Settlement Negotiations (very rare) – As a client you will also receive full attorney negotiations. An attorney will negotiate a settlement with the creditors in the very rare event that a debt comes back verified. This is at NO ADDITIONAL CHARGE.
FREE Credit Restoration and Credit Building – Unlike other debt companies who only address your current debt situation we will take it a step further and also work on fixing your credit at NO ADDITIONAL COST. Our credit restoration service included the following benefit all included as part of your program. Again, this is included for FREE with tons of benefits. Some of the benefits included are
– Full client portal and access to file at all times
– Score Tracker – so you can see the progress of how your credit is doing
– Score Master – helps you learn how to increase your credit scores during our process
– Money Manager- A great tool to help manage your finances
– Smart Credit Reports- Updated credit reports on all 3 bureaus once a month
– 1 MILLION dollars in consumer fraud protection.
– Credit building credit cards to help build your credit that has just been fixed.
Our debt validation program is the fastest, least expensive and safest program available to people on the market today. Another great benefit is that we work with ALL types of UNSECURED DEBT, included private loans, credit cards, medical bills, personally loans and old collection items. At TOTAL CREDIT RELIEF, our main goal is to get you out of debt and put you and your family back on track to having great credit. We stand behind all our claims with a money back guarantee.
SAVE on your overall debt
ZERO upfront fees
Free access to our attorneys any time with no limit.
Free credit repair services
Free credit building credit card
Free creditor settlement if necessary
100% Money Back Guarantee