How It Works

To stop the harassing collector calls, the law firm will send out a letter of representation. The attorneys demand proof from your creditors, collection, and timeshare companies that they have the legal right to collect from you. When they fail to provide it, the debt cannot be collected on, and is deemed legally invalid. Most clients stop making payments to their current creditors, and although this affects their credit, they will be lendable again within 12-24 months because the attorneys remove the negative notations from your credit report associated with the debts that have been invalidated.

Your First Steps

The moment you receive a notice from a debt collector, respond to it. Even if you don’t owe this debt, or this debt in the exact amount, you should do this. If you just ignore it, then the debt collector will, most likely, keep going. That could mean negative reporting to credit bureaus, redouble their collection efforts, and in some cases, begin legal proceedings. With us, you don’t have to worry about that. We’ll do what’s right, on time, while always keeping you in the loop.

The Importance of the First 30 Days

According to the FDCPA (the “Fair Debt Collection Practices Act”), debt collectors must, within five days of contacting you initially, send a written notice with the name of the credit and the outstanding amount of debt. The creditor will assume that your debt is valid, unless you dispute it within a 30-day period. After you’ve disputed it or asked for the original creditor’s name/address, the debt collector, legally, has to stop all collection activity. They can continue once they’ve provided you with that information. You also should receive a copy of the judgment or information about the debt’s verification, as well as the original creditor’s name and address after you dispute it.

How Debt Invalidation Can Help

Our Legal Team will initiate the debt invalidation process through the court system on your behalf. When we do, it either stops the collection efforts you’re dealing with or invalidates the debt. Either way, you can rest assured that our legal experts are on the case working on the best solution to the issues at hand.

When to Call The Experts

There are many reasons that people should reach out to the debt pros. If you feel like you’re getting nowhere on your accounts, call us. If you think that the amount you owe isn’t right, or you just don’t recognize the debt period, call us. We also can help those who feel that their debt was previously discharged under bankruptcy, or they’ve been targeted to pay a debt that isn’t their responsibility. You aren’t alone with your debt. We’ve been helping people who are where you are right now, for a long, long time. We can do the same for you. For a free consultation with our experts on debt validation and timeshare removal, you can reach us at the phone number below.