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Consumer Center

Bankruptcy Attorney – Eliminate Debt

August 17, 2017 by Consumer Center

There is nothing worse than being constantly harassed by debt collectors. The number of individuals throughout the country facing this scenario is staggering. But what can be done to eliminate this debt and to stop debt collection abuse and harassment?

While many people feel as though they are being hung out to dry with hundreds of thousands of dollars in debt, there are few ways to stop the situation from escalating. Some of these methods are filing Chapter 13 bankruptcy and filing chapter 7 bankruptcy.

Filing bankruptcy in California can be a complicated and daunting task. Trying to determine which route is best for your situation and understanding the laws and side-effects of each process is difficult. This is the primary reason that a bankruptcy attorney in California is necessary. Attorneys help individuals by going through the debt to see which route is the best one for them to take. Once they analyze the situation, the next step is to eliminate the debt.

A bankruptcy attorney in California can help eliminate debt by working within the parameters of the law to come up with the best possible solution. Their expertise in bankruptcy puts their clients in confident, capable hands. In fact, when filing Chapter 13 bankruptcy or filing Chapter 7 bankruptcy, the final result is the complete elimination of debt.

If you want to get out from under harassing debt collector phone calls, letters, and emails, the best way to do so is by filing for bankruptcy in California. When you take control of your debt, you can regain your financial freedom once again. For best result always meet with a bankruptcy attorney for assistance and information on what to expect when filing bankruptcy in California.

What Is Chapter 7 Bankruptcy?

Financial distress is a reality for many families throughout the US. With so many issues facing individuals in modern life, it can be difficult to know where to turn to for help. When worse comes to worse, the only answer is often filing Chapter 7 Bankruptcy. But what is Chapter 7 Bankruptcy and how can it help you alleviate financial distress in your life?

The Basics of Chapter 7 Bankruptcy

For starters, not everyone can and does qualify for this form of bankruptcy. In fact, the best route is to consult with a bankruptcy attorney before making a decision. However, here are a few additional qualifications that you have to meet to legally be able to file Chapter 7.

  • You have to have a great amount of debt.
  • You must have no alternative options for eliminating debt.
  • Your income must be below the national median income for the country.
  • You cannot be filing bankruptcy for a corporation.
  • You must not have filed bankruptcy of any kind within the previous 8 years

If you meet these criteria you can then move forward with filing bankruptcy in California.

Steps to File Chapter 7 Bankruptcy

The first and foremost important step in filing bankruptcy in California is getting in touch with a bankruptcy attorney. With so many complicated rules, regulations, and restrictions it is impossible to file bankruptcy without an attorney. Once you meet with a bankruptcy attorney you will likely need and/or be required to complete a two-hour financial management course. This ensures that you are aware of what causes debt and how you can negate it in the future.

If you are considering Chapter 7 bankruptcy, please contact the Consumer Center for Resources for more information about how to file and what you need to know about doing so. Contact them today to get your financial life back.

What Is Chapter 13 Bankruptcy?

When you are under financial distress, it is important to know and understand the options available to you. There are many different types of bankruptcy that can alter the repayment structure and the final amount that you pay on your debt. One of the most popular bankruptcy options is Chapter 13 Bankruptcy. But what do you need to know if you are filing chapter 13 bankruptcy and how can an attorney help you?

Chapter 13 Details

Chapter 13 bankruptcy is a repayment method used by debtors to clear their name and rebuild credit with their lenders. Traditionally, this option allows you to pay off your debt partially or in its totality. The determining factor in how much debt you pay relates to the amount of payments you agree to pay and their length. Most Chapter 13 bankruptcy runs anywhere between 3 to 5 years in repayment length, however, this is ultimately determined by the agreement you make with your lender. Chapter 13 bankruptcy in California follows federal guidelines like the rest of the country.

Benefits of Filing Chapter 13 Bankruptcy

Although filing for bankruptcy can be difficult, Chapter 13 does offer many benefits that other repayment options do not. For starters, debtors start increasing their credit score immediately after filing for bankruptcy. Debtors also eliminate the risk of auto repossession and wage garnishment upon filing for Chapter 13 Bankruptcy. These benefits are crucial to rebuilding credit and a more financially stable life.

If you need financial assistance, turn to the Consumer Center for Resources to learn more about how you can get from under the pressure of mounting debt. We are here to help you find a way out of your situation in the easiest, best way possible. Reach out to us today to stop getting debt collection abuse calls.  If you are in Nevada, reach out to Rodney Okano bankruptcy lawyer Las Vegas

Call (818) 697-4295 to be connected with a lawyer today. The consultation is FREE!

Filed Under: Debt Collection Abuse Tagged With: bankruptcy attorney, chapter 13 bankruptcy, chapter 7 bankruptcy, filing for bankruptcy

Stop Debt Collection Services from Harassing You Immediately

July 22, 2017 by Consumer Center

In tough economic times, many consumers fall behind on bills. All that it takes is one medical emergency or being laid off at work to get off track. If you are late on your auto loan, credit cards, medical bills or mortgage, then you might have to deal with a debt collector. If so, you may be familiar with the harassment and bullying tactics used by debt collection services trying to make a buck.

Well, you are not alone. According to the Federal Trade Commission, there were almost $94 million in judgments against debt collectors in 2015. This number would be multiple times larger if more people took action against debt collectors. Consequently, they miss out on the compensation that they deserve. Most people don’t know their rights to fair debt collection treatment under federal laws. And debt collectors aren’t likely to go out of their way to tell consumers about their rights.

Harassment by Debt Collection Services

Being harassed by debt collectors can seriously impact your life. It might cause you to feel embarrassed, angry or ashamed. Your work, relationships, and health could suffer. Making things even worse are desperate debt collectors that will do anything to get consumers to pay— even if that means resorting to harassment, lies, and threats.

Fortunately, experienced FDCPA lawyers can help you get your life back on track. They can file a lawsuit against the debt collectors for their harassment.

FDCPA Violations

Many people believe that debt collectors have the right to contact them anytime that they want to demand payments. However, that is not true. Consumers have rights too. You do not have to tolerate harassment, mistreatment or lies by debt collectors; they are all part of the FDCPA violations.

There is a debt law that protects consumers from unfair debt collection practices. It is called the Fair Debt Collection Practices Act, or FDCPA. This law consists of a set of rules that debt collectors have to follow when it comes to the methods that they use to collect a debt. Types of debt that are subject to FDCPA rules include medical bills, auto loans, credit card bills, mortgage debt and more.

Debt Collection Laws

The Federal Trade Commission has set forth a set of debt collection guidelines that creditors must follow in the process of collecting a debt. When attempting to collect a debt, the collector is required to:

  • Identify themselves as a debt collector.
  • Provide you with the name of the creditor that you owe the debt to and let you know how much you owe.
  • Contact you at times when it is convenient to you.
  • Stop communicating with you directly if you have a lawyer.

A debt collector cannot:

  • Threaten you with arrest if you say that you cannot pay.
  • Attempt to collect a debt that you do not owe.
  • Threaten to sue you if they do not intend on doing so.
  • Call you after you have told them to stop.
  • Threaten to post negative things on your credit report unless they plan to follow through.
  • Demean you.
  • Lie to you.
  • Tell other people about the debt that you owe—there are a few exceptions to this rule. They can talk to your spouse, lawyer or parents if you are under the age of 18.
  • Use obscene language or call you names.
  • Call you without identifying themselves as a bill collector.
  • Tell you that they are a government or law enforcement agent.
  • Attempt to collect a debt that has been discharged in bankruptcy.

This is not a complete list of things that debt collectors are not allowed to do under the FDCPA. There are a variety of abusive debt collection practices, and it is not uncommon for someone to be the victim of an unethical debt collector.

To make debt collectors stop harassing you, you need an experienced FDCPA lawyer on your side. Don’t be afraid to protect yourself against debt collectors and exercise your rights in a court of law. If you have been the victim of unfair by debt collectors, then you might be entitled to compensation.

Here are some of the benefits of suing debt collectors:

  • You might be able to collect damages for lost wages, emotional and physical distress.
  • If you can prove that FDCPA violations were committed, you could be eligible for up to $1,000 in damages.
  • In most cases, there are no out-of-pocket expenses to the debtor. If the court finds that the debt collector violated federal law, the collector will typically have to pay all lawyer’s fees and court costs—including those for the debtor.

Get Your Free Consultation with an FDCPA Lawyer Today!

The fact that you owe money does not give debt collectors the right to harass you. At Consumer Center for Resources, we believe that consumers have the right to fair debt collection.

We have the resources, experience and the ability to help you assert your rights to fair treatment. Reach out to us at (818) 697-4295 to be connected with an experienced lawyer today!

The consultation is free!

Filed Under: TCPA Violations Tagged With: debt collection services, fdcpa lawyer, fdcpa violations

Labor Law Attorney for Employee Rights

July 14, 2017 by Consumer Center

Call For FREE Legal Advice: (818) 697-4295

Rules and regulations for employees were recently updated to make sure that all qualifying employees in California are paid the minimum wage and given breaks.  California laws protect all employees, including their work environment as well as wages. If any employer in California does not pay the California minimum wage or offer breaks to employees, legal action may be an option. Call us today to be connected to a Labor Law Attorney that offers a FREE consultation.

Common Legal Violations – Know Your Right

California has some of the best laws in the country for employee rights. Employees must be given breaks, time for meals, pay for sick days, and conditions that are suitable for any disabilities which can be accommodated reasonably by the employer.

Employees must be given:

  • breaks,
  • time for meals,
  • pay for sick days, and
  • conditions that are suitable for any disabilities which can be accommodated reasonably by the employer.

Typical Employer Violations:

  • Unpaid breaks and missed meals.
  • Misclassification of employees as exempt
  • Paying employees as 1099 independent contractors instead of W2 wage earners
  • Unpaid overtime for employees that should not be salaried
  • Salary wages less than minimum set by law

Tips from a Labor Law Attorney / Legal Highlights

By law, employees are entitled to overtime when they are paid by the hour and time on the clock exceeds 8 hours per day or 40 hours per week.  Employees that are paid a salary may be entitled to overtime as well unless they are properly classified as exempt.

Employees that work at least 4 hours daily are entitled to a minimum 10-minute break.  Those who work more than 5 hours daily are entitled to a minimum of 30 minutes for a meal break.

Employees with disabilities must be given reasonable accommodations by the employer in order to do their job.  If a lawyer refuses to accommodate a disabled employee, legal action may be necessary to keep the job and force the employer to make reasonable necessary changes.

California’s Law for Overtime Work

California overtime laws say that anyone working overtime in a company needs to be paid a rate of 1 ½ of that of employee’s usual pay.  Overtime is calculated for every hour beyond a regular 8-hour workday or anytime over 40 hours of work scheduled for a week.  Important facts to note are:

  1. It is important to keep pay after regular 8 hours work schedule to be 1 ½ times than that of regular pay scale if the employee works for the 7th day of the workweek continuously. Otherwise, the issue will be handled by unpaid overtime lawyer in the city and a case can be filed against the employer for improper pay scale.
  2. In case if an employee works for more than 12 hours in any workday or spends more than 8 hours during the 7th consecutive work day in a week, then the regular rate of pay rate must be doubled.

Note that salaried employees are also required to be paid overtime unless they meet the requirement of exempt status as defined by law. The calculation for wages and hour lawyer is very precise so employees are advised to consult with a lawyer regarding California labor laws regarding overtime in order to know their rights.

California Labor Laws for Meals and Breaks

There are specific rules about lunch and short breaks of employees as per California labor break laws and they must be followed strictly. If any non-exempt employee works for more than 5 hours continuously in any workday the employee deserves to have a minimum 30-minute lunch break.  A break of 10 minutes must be provided to employees who are working continuously for a minimum of 4 hours. The California meal break law also gives consideration for second meal breaks of employees who are working for more than 10 hours continuously and this second break must be a minimum of 30 minutes again.

In the above-mentioned meal break; employers need to do following things:

  • He/she must relieve the employee for these 30 minutes from all duties.
  • Withdraw control from all activities of the employee.
  • Allow them to have complete control over their personal time and assure an uninterrupted break for these 30 minutes.
  • Employers cannot discourage employees from utilizing these 30 minutes in their own way.

On-duty meal breaks: Are only allowed to employees under certain conditions or circumstances according to California labor laws:

  • If the type of work does not allow the employee to leave their duty.
  • The employee has agreed to this on duty break policy in writing without any force by the employer.
  • The on-duty break period is required to be considered in paid working hours.
  • The written agreement of on-duty meal breaks can be revoked by an employee in case of any unfavorable condition. However, this rule is not an application to employees working under wage order 14 [related to agriculture occupations].

California Break Laws

All employees working under California break laws are assured complete protection from any stressful condition in the workplace. This rule set helps to develop healthy and caring work environment for all workers where they also avail right payment for all their efforts. The protections provided for workers as per California labor laws are:

  • Missed Rest Breaks: As per California meal break laws, you need to have proper rest during rest breaks but in case if anyone of you is not able to get this rest break on time then employer is responsible to give one hour additional payment for that missed rest hour and this amount must be included in next paycheck.
  • Missed Meal Break: In case you keep on working even in meal break or are missing your meal break due to work then the employer must give you additional one hour pay with regular pay rate. In case if you are not availing this benefit and still missing your lunch break then you can bring this issue to notice within three years and can claim for unpaid wages.
  • For off the clock work hours: As per working off the clock laws; no one can be forced to work off the clock without any pay. It must be included in post-shift, pre-shift type duties and must also consider the time that is spent while waiting for the work in working off the clock hours.

When to Call a Labor Law Attorney

California’s employment laws make it possible for employees to take legal action with the help of labor law attorney.  There are very specific steps required for employees who want to take legal action against their employer.  It is always best to call a labor lawyer and discuss the situation.

Free Legal Advice and Case Investigation

If you prefer to discuss your case with a labor law attorney, The Consumer Center for Resources offers free information for employees. CCR is a non-profit that works hand in hand with law firms such as Consumer Action Law Group of Panzarella, Gurevich, and Rode. We work closely with law firms that offer free legal advice for employees that have questions about their employer and their rights.

If an employee has issues at work, a quick call to a labor law attorney can help to provide information about any claims they may have. Employees can usually file an employment case for free with the help of labor law attorneys.

Call today:(818) 697-4295

Filed Under: Employment Law Tagged With: California labor laws, employment attorney, labor law attorney

How to Sue Employers for Violating Workplace Harassment Laws

July 13, 2017 by Consumer Center

What is Work Harassment?

Work harassment as described by the US Equal Employment Opportunity Commission is unwanted conduct that is based on the personal characteristics and beliefs of an individual. Harassment becomes illegal when the unwanted conduct becomes a condition of employment or is “severe enough to create a work environment that a reasonable person would consider intimidating, hostile, or abusive.” Acts that violate work harassment laws can include actions such as intimidation, objectionable jokes, personal violations or threats, and tampering with workplace performance.

Contact us at (818) 697-4295 to be connected with an employment attorney for free!

Two Primary Types of Workplace Harassment

Quid Pro Quo Harassment – “Something for Something”

This happens when an individual’s employment is based on his or her acceptance of unwanted conduct. If the individual chooses to accept the offensive conduct, he or she will remain employed. If the individual chooses to outright reject the offensive conduct, he or she has a large chance of being fired.

Antagonistic Work Conditions

This happens when offensive conduct from fellow co-workers, managers, customers, and fellow employees causes the individual’s place of employment to become hostile, aggressive, and downright threatening.

When Can an Individual Sue an Employer?

Can I Sue My Employer for Unfair Treatment?

Although employers can be unfair and wrong in their decision-making, this does not mean they are allowed to mistreat anyone for whatever reasons they choose. An employee does not have to be fired in order for there to be grounds for a harassment claim against an employer.

If the individual believes that unfair treatment has taken place based on race, gender, religion, national origin, age, disability, or a number of other characteristics and beliefs, then the answer is “Yes”, an individual can sue an employer for unfair treatment.

Can I Sue My Employer for Negligence?

In cases when the employer is proven negligent, there may be grounds to sue an employer. A case for negligence may be proven if the employer does not have sufficient worker’s compensation insurance that will cover an injury that occurred at work or on work property.

Negligence can also take place during the hiring process when an employer does not screen individuals properly such as conducting background checks or checking references. Employers may not take appropriate action after hiring an unfit employee. This can be caused when an employer disregards the negative actions caused by an employee who decides to act in an area that is beyond their scope of responsibility.

Failing to train an employee or to supervise an employee correctly can also result in negative consequences in the workplace.

Can I Sue My Employer for Injury at Work?

An employee may have an argument for suing an employer when an injury has occurred at work that could have been prevented. These type of injuries can be caused by a defective product or a toxic substance. Conduct by an employer which is intentional can also cause an unnecessary injury.

An employee may also file for worker’s compensation insurance through their employer to help with medical expenses, loss of wages during their time of recovery, costs for any retraining needed, compensation for permanent injuries, and survivor benefits for workers who were killed on the job.

Employer Negligence & Workers’ Compensation Insurance

Typically if an individual makes a claim for worker’s compensation insurance they are prohibited from filing a lawsuit against their employer. There are exceptions to this of course. These exceptions include cases in which the employer purposefully set out to hurt you or the employer does not have sufficient workers’ compensation insurance or has no workers’ compensation insurance.

Why an Attorney is the Best Solution for Workplace Harassment

An attorney can be the best possible solution in workplace harassment situations where legal actions need to be taken. Attorneys well-versed in workplace harassment laws will give an individual a distinct advantage when deciding whether or not there are grounds for a lawsuit against an employer.

Along with knowing the correct court procedures to follow, a lawyer will know what information is needed for the case, documents that need to be presented to the court and jury, necessary evidence from the employer, and witnesses to provide proof of harassment.

Consult with an attorney who specializes in workplace harassment today.

Get in touch with us at (818) 697-4295to be connected with an employment attorney. The consultation is FREE!

Filed Under: Employment Law Tagged With: employment attorney, workplace harassment

Learn How to Stop Robocalls… for Good!

June 23, 2017 by Consumer Center

Call For FREE Legal Advice: (818) 697-4295

This is a guest blog post featured by one of our member law firms – Consumer Action Law Group in California (also appears on their site)

Breaking News: Miami Man Fined a Record $120 Million for Making Robocalls

On June 22nd, the Federal Communications Committee (FCC) proposed a $120 million fine against Miami marketer, Adrian Abramovich, for allegedly making 96 million spoofed robocalls in a three month period.  Abramovich broke numerous laws, including the Truth in Caller ID Act.  In this article, you will learn how to stop robocalls in light of this historic infringement.

The sheer number of spoofed robocalls made warrants a resounding gong and a red flag.  Spoofed calls are essentially having the ability to use a recipient’s first three numbers in a phone number to simulate a call from a local person. Spoofed robocalls work really well because recipients think they’re receiving an important call from someone close to their geographical area, hence picking up the phone. The practice of disguising caller IDs to hide true identity is an issue that the FCC has addressed in their rules and regulations, which is the reason for the lawsuit brought against Abramovich.

The FCC also cited Abramovich for violating the Telephone Consumer Protection Act’s robocall limits and the federal wire fraud statute.

Ongoing Issues with Robocalls

One of the main problems with robocalling is that consumers do not know how to stop or prevent these types of calls from happening.  This poses a problem because of the lack of perceived control on the recipient’s part.  Other problems include:

  1. An ineffective “unsubscribe” feature
  2. Lack of resources to make them stop
  3. Skilled sales professionals

1. Unsubscribe Doesn’t Often Work

Consumers try to opt out of future calls by pressing ‘2’ to unsubscribe during the call.  However, many of these sophisticated marketers deploy tools that intentionally do not unsubscribe people.  Abramovich’s technology and practice did not grant the recipient’s request to unsubscribe, Abramovich and his group of automated dialers, robo messages kept calling.

2. Too Much Work to Investigate and Report

Some people would try to stop robocalls on their own but would eventually be overwhelmed by the amount of effort that is required. When many people try a solution and it fails, they get stuck and become frustrated and often give up trying to stop the unwanted calls.

3. Effective Sales Professionals

Many offers are legitimate and attractive, while others are false advertisements designed to lure in consumers. Some sales professionals are well-oiled machines trained to persuade consumers into purchasing their products. So, how do you determine if the calls are valid?

Robocalls versus Telemarketers

Dealing with robocalls can be tricky, however, it is also important to know how to deal with telemarketers and telemarketing scams.

Here are some ways to identify between the two.

  1. Robocalls are automated pre-recorded messages
  2. Telemarketers are live agents

Once distinction to keep in mind is that some companies use robo messages to begin the promptings in order to get the recipient to respond, upon which the recipient is then transferred to a live agent, at which the sales pitch takes place.

Be mindful of these sayings as they typically indicate a “telemarketing” approach:

  • You have been specially selected for (an offer)
  • Get a bonus for free for purchasing our product
  • You need to make your decision right now
  • You’ve won a foreign lottery!

If you hear any of these lines or anything similar to it, say ‘no, thank you’ and hang up immediately.

Hook, Line, and Sinker

Some telemarketing scams use certain tactics to hook consumers into a deeper conversation which eventually lead up to consumers purchasing products.

These tactics should be seen with caution:

  • Hidden Costs – If an offer sounds too good to be true, it probably is. Some free or low-cost travel packages have hidden fees that you won’t find out about until you have to pay for them.
  • Charity or Donation – This strategy plays on the emotions of consumers. Be careful when the ‘fundraiser’ refuses to tell you any information about themselves, such as their name, identity, and mission.
  • Free Trials – Some free trial offers bill consumers monthly even after the trial ends until they cancel the membership. Others have hidden costs, such as delivery fees, that are not revealed to you over the phone. No free trials remain free forever.
  • Credit and Loans Scheme – Any pitch about lowering credit card interest rate or protecting your credit card is especially popular during recessions.

Always make sure the offers are legitimate before purchasing them. You can always search online first or ask the caller to provide information.

Be careful when answering to a robocall. If you press ‘1’ to talk to a representative, hoping to ask them not to call you again, they will more than likely call again, simply because you actually responded to their previous call. It is better to just hang up as soon as you realize it’s an automated call.

5 Specific Ways on How to Stop Robocalls

1. Add Your Phone Number to the FTC’s “Do Not Call List” Registry

The first thing you should do to protect your phone number from receiving countless irrelevant calls is to add your number to the FTC consumer protection “Do Not Call List” registry.  While this may not prohibit all phone calls, it will ensure that your number is officially entered into the FTC database.

Here are two ways to add your phone number:

  • Option 1:  Register for FREE – visit here to register https://www.donotcall.gov
  • Option 2:  Call this line from the phone number you want to add to the “do not call list” – 1-888-382-1222

2. Manually Add Phone Numbers into Your Internal “block” List

All smartphones have an option that will allow you to add phone numbers to a block list.  Once entered into this list, the phone will do just that – block the numbers on that link.  The benefit to doing this is that you’ll be able to track your calls directly and then reference it at a future date, should you decide to file a lawsuit against one of the robocalling telemarketers (i.e. the recent FCC case against a Miami native).

The ability to add numbers to your block list should be in the “settings” section of your phone.

3. Don’t Answer Unrecognized Phone Numbers

This might sound simple and obvious, but many people fall into the sales trap of these robocalls because they answer the phone.

Here’s something to keep in mind:

Robocalls are marketing calls leading into the sales cycle. This means that there is a sophisticated marketing and sales process on the other side of these calls.  Marketing and sales people are savvy, trained, highly skilled, and prepared for any and all phone calls.

If you don’t answer the calls, you won’t have to go through the dog and pony sales pitch they’ll put you through.  And these professionals are quite convincing.

Spare yourself the trouble and do NOT pick up.

4.  Use Smartphone Apps to Block Robocalls

Smartphones are a great repository of useful and effective apps.  There seems to be an application for any and all occasions, from birthday songs to traffic light changing apps (which is primarily a game, I don’t believe it is possible to change traffic lights in general).

In this case, there is a host of apps that claim to block robocalls.

These are three applications that are quite intriguing and stand out from the crowd.

  • Nomboro – https://goo.gl/PXKxmy

Bradley Chambers of thesweetsetup.com has this to say about Nomboro.

“Nomorobo’s call list is another key strength. It has over 51,000 numbers, and they claimed to have stopped over 150 million calls. They were a winner in the 2013 FTC robocall challenge. The list is constantly updated, and it can update without having to launch the app.”

  • Callblock – https://goo.gl/m7WkW8

Callblock touts “the world’s biggest directory of telemarketers – now over 3,000,000 classified entries from over 100 countries!”

  • Robokiller – https://goo.gl/C9u9bM

As described on their site:

“RoboKiller reduces unwanted calls by up to 85% in 30 days! Robokiller is just $1.99 per month with a free 7-day trial; opt-out at any time during the trial and you aren’t charged a penny.”

5. Bring in the Experts

Often times, technology can help to resolve issues.  However, when you reach a point where technology has taken you as far as it can, you may want to consider speaking with experts who can help to stop these calls from flooding your phone.

Experienced attorneys are the people you want to get in touch with.

Here at Consumer Action Law Group, we are experienced in suing telemarketers and companies that deploy automation machines for robocalls.  Our goal is to give consumer clients peace of mind knowing that these calls with cease, and when necessary, fight for our clients to receive compensation for their troubles.

Our process is simple:

  1. Contact Us
  2. Get Scheduled for a FREE Consultation with an Attorney
  3. Take Action (if/when necessary)

If you are subject to these endless robocalls, we urge you to get in contact with us by calling:

(818) 697-4295

Or fill in the form on our website:

https://consumeractionlawgroup.com/tcpa/

Filed Under: TCPA Violations

Dispute Credit Report – Important Steps to Fix Credit Report

June 18, 2017 by Consumer Center

In a 2012 Federal Trade Commission Report it was discovered that on average, one in four Americans found at least one error on their credit report. When errors like this are discovered, it’s time to take action and dispute credit report. These errors may include account-related errors (late payments reported inaccurately or accounts reported as closed by the provider and not you), misrepresented errors (an account that was paid off still showing money owed), and personal information errors (wrong name listed or addresses where you have never lived).

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) is a federal law that legislates and oversees credit reporting agencies (CRA). The FCRA protects consumers from inaccurate information being used against them. It includes guidelines on how financial information is collected, the specific reasons for which this information can be released, and who this information can be released to.

Consumers are guaranteed specific rights under the FCRA. These rights include:

  • Access to your credit report – you may request one free report per year
  • Limited access to those who have a reasonable need for your credit history, such as banks, insurance companies, and landlords
  • Accurate reporting of your credit history
  • Removal of outdated information
  • Privacy of your medical information
  • Removal from unsolicited credit offers
  • Notification of possible errors
  • Right to pursue damages incurred by incorrect information
  • Your current credit score

Credit reporting agencies collect information regarding your credit and financial history. This information is then reported to potential employers and lenders in order to determine your financial reliability. There are three main credit reporting agencies: Experian, Equifax, and TransUnion. Banks, credit unions and other agencies that report financial history are also bound by the FCRA.

Examples of FCRA Violations

These violations can be due to negligence and human error, or purposeful and willful deliberate intentions.

Negligent violations include reporting old information, reporting inaccurate information, and mistakenly combining your file with someone else who has a similar name, social security number or address, for example.

Deliberate violations include not following correct procedures for debt disputes, releasing private information to those who are not allowed access to it, and withholding notices regarding your credit information.

If these violations are not corrected or they continue to be followed, you may be able to sue for damages. These damages could be related to loss of credit opportunities, loss of employment or possible jobs, emotional distress, damage to your reputation and punitive damages.

How to Correct Your Credit Report

The following steps explain how to correct your credit report in three steps:

Step One – Obtain Your Credit Report

First, obtain a copy of your credit report. The most recent version of your credit report should help you identify any inaccuracies that show up on your report. You can get a free annual copy of your credit report from the three national credit bureaus (Experian, Equifax, and TransUnion) at Annual Credit Report.

Make sure to look for any information that seems incorrect to you and make a list of them.

Step Two – Write a Credit Report Dispute Letter

Contact the credit reporting agency in writing, informing them of the wrong or inaccurate information on your report. Clearly explain what needs to be corrected, and how it needs to be corrected (i.e. if your name is listed incorrectly, tell them your real name). Be sure to include copies of any documents that support your claim.

You may also want to include a copy of your credit report with the incorrect information circled to help the agency process your dispute letter more quickly and efficiently. Send the written letter by certified mail, and keep copies of everything you send to the credit reporting agency.

The credit reporting agency has 30 days upon receiving your letter to investigate and correct any inaccuracies that are on your credit report.

Step Three – File a Lawsuit Against the Credit Bureau

If the CRA does not respond to your letter within 30 days, you have the option to sue them to get the errors corrected. This is a complex process, and you may want to seek help from a credit report attorney to file the lawsuit for you.

We Connect Consumers to Credit Report Attorneys

A good way to keep your credit score true is to fix your credit report of any inaccurate information. It may be a good idea to seek help from an expert if it is your first time writing a dispute letter or filing a lawsuit against the credit bureau.

A credit report dispute attorney will offer helpful legal expertise regarding possible ways to fix your credit report. The attorney can also assist you in removing information that is harmful or could potentially harm your credit score.

Call us at (818) 697-4295 to be connected to a credit report attorney. The consultation is FREE!

Filed Under: Credit Report Disputes Tagged With: credit report attorney, credit report lawyers, dispute credit report

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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.