If you have not read Part 1 of this article, please go back and do so before continuing.
Credit Repair Companies Are Experts In Federal Credit Based Law
Did you know that consumers in the United States are protected from debt harassment issues such as unfair reporting, billing, and collection practices under federal law? That being stated, the vast majority of people are either not aware of these laws, or are not well versed in them. You could spend the plethora of hours that it takes to learn everything that you need to know about these laws and attempt to fix your credit yourself, or you could simply hire a professional credit repair agency.
A credit repair expert not only fully understands that laws that protects you, but also knows exactly how to leverage those laws in your favor. A few of these consumer protection laws and statutes include, but are not limited to the Fair Credit Reporting Act (FCRA), the Fair Debt Collections Practices Act (FDCPA), and the Fair Credit Billing Act (FCBA.)
Credit Repair Companies Are Experts At Negotiating
Have you ever attempted to call a creditor in order to negotiate a lower payoff amount, change the terms, or completely write off the debt? It is an intimidating task for most people to say the least, but it is the job of your professional credit repair company. They are experts at negotiating these matters. They work with banks, credit card companies, collection agents, and the Credit Bureaus day in and day out. That means credit repair agents know how to communicate with these professionals.
They know exactly how to negotiate in a way that benefits you the most. Prior to hiring a credit repair agency, check to make sure that they will negotiate the interest rates and terms on your debt, get your payments lowered, and have the ability to have some of your debt dismissed. A good credit repair company should also be able to negotiate a discount payoff, and stop collection actions.
Credit Repair Companies Provide You With A Fresh Start In Life
Money problems happen to the best of us. For a lot of people, money goes out the door faster than it comes in. That makes it incredibly difficult to pay all of your financial obligations on time. Although it is completely understandable, missed or even late payments, collection accounts, and a high amount of debt can certainly devastate your credit scores. These money related issues also tend to cause a great deal of grief for the people that are suffering through them.
Thankfully, financial troubles do not leave a permanent blemish on your credit scores if you take a proactive approach to having it fixed. With the help of a professional credit repair company, you will improve your credit score immensely. Good credit goes a long way in helping you live the life that you truly deserve.
Legal Rights Advocates, PLLC is a consumer advocate law firm that focuses on consumer rights protection services across the Unites States. We have well over twenty-five (25) years of combined experience helping consumers that are experiencing Debt Collector Harassment, Social Security Disability issues, and a whole lot more. LRA is truly your consumer rights advocate. We take great pride in the fact that our job is to protect you from deceptive and or abusive debt collection practices. Our goal is to assist you each and every step of the way regarding your rights for consumer protection. Please call us today for more information at 855-254-7841 or click here for a FREE Case Review. We look forward to working with you.
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