Plantation Florida Credit Repair Lawyers
At Light & Gonzalez PLLC our Plantation Florida Credit Repair Lawyers help our client with all of their credit related problems. If incorrect or misleading information is appearing on your credit report we will help you get these items removed. The Fair Credit Reporting Act is a powerful federal law that gives consumers important rights regarding information that companies are reporting regarding their credit worthiness. Consumers have the right to dispute any inaccurate information that being reported, and credit reporting agencies are required to forward these disputes to the banks, credit card companies, or debt collectors that are reporting the inaccurate information. These credit furnishers are required to review and correct the information they are reporting within 3o days or the information will be automatically removed from your credit. If the information is verified within this time period then the credit reporting agency can continue reporting this information. If the furnisher does not verify within 30 days, but then subsequently verifies the information or attempts to report the information again, you must be notified before the information will begin appearing again.
Don’t be surprised if an attorney answers the phone when you call! We are available for consultation in Plantation Florida, and handle cases throughout South Florida. Contact us today to speak with an experienced Plantation Florida attorney who will review your case and discuss your legal options.
HOW CAN WE HELP YOU?
Negotiate Credit Card Debts
Discharge Credit Card Debts
Post Judgment Relief
Chapter 7 Bankruptcy
PLANTATION FLORIDA CREDIT REPAIR ATTORNEYS
Unfair and inaccurate credit reporting can cost you thousands of dollars if it goes unnoticed. At Light & Gonzalez, PLLC our Plantation Florida Credit Repair Lawyers help to ensure only truthful and accurate information is being reported about our clients. When someone is going through financial hardship the last thing they need is to have sloppy credit reporting practices affecting their credit even further. We help our client’s fight back. Depending on your circumstance we may even help negotiate with your creditors to reduce the amount they are demanding in their civil matter. Our South Florida won’t make any false promises or guarantee all negative information will be removed from your credit report. Our firm is geared towards litigation, and after credit furnishers and credit reporting agencies are given a reasonable opportunity to correct the mistakes they made on your credit report, our next step is to file suit to enforce your rights. Our lawyers may be able to assist you if any of the following has occurred:
- Someone else’s loan account is being reported on your credit report;
- A company is reporting inaccurate balance information;
- A lender or other business pulled your credit without your permission;
- Incorrect identifying information (address, phone number, name) is appearing on your credit report;
- You have disputed inaccurate information appearing on your credit report and the companies refuse to stop reporting this information
- Negative information is appearing on your account for a long time after it was initially reported.
IMPORTANT RIGHTS UNDER THE FAIR REPORTING ACT
Some companies will charge you simply to pull your report, but don’t be fooled you can pull your credit report for free! Another important right given to consumers under the Fair Credit Reporting Act and the regulations implementing it is the right to review your credit information from each of the three major credit bureaus annually. The official website for receiving a copy of your credit report is www.annualcreditreport.com. We will never charge a client to pull their credit report, and we will happily review your report with you to go over the information that’s being reported to ensure credit furnishers are reporting information accurately. We are available for consultation in Plantation Florida to discuss your credit card debt matter, and we handle cases throughout South Florida. Whether you live in Broward County, Miami-Dade County or Palm Beach County our lawyers will work with you to try to get you the best possible results. Depending on your legal needs, we will try to negotiate down your credit card debt, or we will defend you in litigation. Sometimes there are legal defenses against credit card actions that consumers aren’t even aware of.
Contact Light & Gonzalez, PLLC today to speak with a credit repair lawyer. We will discuss all of the options you have available, and our lawyers will work with you to try to achieve your goals whether you would like to try to negotiate down your debt, or if you want to fight the bank through litigation.
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