Why Use a Credit Repair Law Firm?

CreditLawGroup.com is comprised of licensed attorneys who operate under the strict supervision of various bar associations and under ethical guidelines set forth in the Rules of Professional Conduct. We operate from with professional support staff and the latest technology.

Attorney Client Privilege - All communications with the firm are subject to the attorney client privilege and are confidential to the extent covered by the privilege. Do you really want to be sending confidential credit and personal identifying information to unknown companies or nameless and faceless internet websites just because they may look nice? Information which is not covered by the attorney client privilege may be subject to discovery, subpoena or other disclosure. While there are many exceptions and scenarios that may affect the attorney-client privilege, only a law firm or attorney can provide such a safeguard.

Legal Action -As with many statutes, violation of the Fair Credit Reporting Act carries penalties and the ability to file a lawsuit or take other action to enforce its terms. Only attorneys are permitted to file suit in court subject to the rules of a particular jurisdiction. So called "credit repair" companies and non-attorneys have no authority to commence legal action or represent clients in a court of law and in many states the engagement in such activity is a crime referred to as the "unauthorized practice of law." The threat of prospective legal claims and governmental regulatory action is what helps police the credit bureaus and ensure compliance with federal law. The credit bureaus routinely ignore so called "credit repair" companies for good cause. Many are unscrupulous and fraudulent operations which engage in deceptive practices.

Representation -Law firms can provide legal representation on issues related to federal consumer and banking law. The entire credit reporting system is governed by a series of complex laws and an interpretation on the application of these laws. Various regulatory bodies including the Federal Trade Commission and bank regulators issue their own opinions as to the application of these statutes. While the process of disputing inaccurate or unverifiable information on your credit report may seem to be basic there are a myriad of legal issues which may come into play. Just as you might not want to have your plumber give advice on a real estate closing are you willing to entrust your credit and the interpretation of the law to some unidentified person or company sending correspondence in your name?

Impact -The retention of a law firm provides notice that you are paying attention to your credit reports and the impact of correspondence from a law firm shows the credit reporting agencies that you mean business.