Is bankruptcy right for me?
What's the difference between Chapter 7 & Chapter 13?
How will bankruptcy affect my credit score?
Can I keep my house & car?
Repossessions - Lawsuits - Back Taxes
Facing Foreclosure - Garnishments - Collections
Take back control of your financial future. Call Baneylaw P.C. for a FREE CONSULTATION.
As a consumer, you have rights under Federal and State law. Whatever your financial situation, taking back control starts with contacting an experienced professional who knows what needs to be done and can explain your options to you.
No two individuals’ circumstances are the same; contact me for a Free Consultation and I will speak directly with you. No staff will screen you and keep you from speaking directly with an attorney.
If appropriate, a bankruptcy can:
- Discharge all or most of your unsecured debt
- Save your home from foreclosure or your car from repossession
- Have wage and bank garnishments removed
- Allow you to pay back non-dischargeable taxes without worrying about the IRS
- Strip-off unsecured liens
- Lower interest payments on debt secured by personal property
Your credit impacts your life in many ways, including the interest rates you pay, rates you pay for insurance, and eligibility for certain jobs. By enacting the Fair Credit Reporting Act (FCRA), Congress gave individuals a way to ensure the accuracy of what is being reported about you to when you apply for credit, apply for a job, and apply for a mortgage or apartment.
Don’t let inaccurate or false credit reports be used against you!
Credit Protections Under FCRA:
- Privacy Protection – A consumer reporting agency may only provide information about you to people with a valid need – usually a
- Accuracy of Information – You have the right to dispute inaccurate or incomplete information in your file with the consumer reporting agency and the agency must investigate your legitimate dispute.
- Timeliness of Information – In most cases, a consumer reporting agency may not report negative information that is more than seven (7) years old, or bankruptcies that are more than 10 years old.
- Access to Information – You have the right to know what is in your file. You are entitled to a free disclosure
- Once every 12 months – www.annualcreditreport.com
- A person has taken an adverse action against you because of information on your credit report.
- You are the victim of identity theft and place a fraud alert on your file.
- Your file contains inaccurate information as a result of fraud.
- You are unemployed but expect to apply for employment within 60 days.
Even if you owe the debt, you still have protections – poor treatment of a consumer is more than just bad business — it’s illegal. If you are being harassed by a debt collector, the collections agency may be in violation of the Fair Debt Collection Practices Act (FDCPA).
The FDCPA outlines how debt collectors — such as bill collectors, collections agencies and corporate collections departments — can go about seeking the repayment of debt from consumers.
The FDCPA forbids aggressive practices such as:
- Making violent threats
- Threatening to file a lawsuit
- Use of profane or obscene language
- Calling friends and/or family members
- Attempts to reach debtors at work
- Threatening to garnish wages
- Early morning and/or late night calls
- Misrepresentation of identity
I take all credit report and collection abuse cases on a contingency basis, which means that you do not pay any attorney’s fees out of pocket; I get paid a percentage from the companies that have harmed you. People who have been damaged by credit reporting errors, identity theft, or debt collection abuse should not have to worry about spending money on an attorney to help them.
Often times the greatest barrier that prevents people from seeking help is the fear that they will be expected to pay the attorney for their help. Under the Fair Credit Reporting Act and Fair Debt Collection Procedures Act, the two Federal laws that govern credit reporting and debt collection, respectively, this is simply not the case.
Do not let the fear of attorney’s fees keep you from reaching out for help.
Contact me or call me at 571-303- 9102 to discuss what is happening to you and how I can help.
Take back control of your financial future.