How People Can Use Ethical Law Firms to Repair Their Credit

January 4th, 2017

Awake Goy

Debt is a standard part of American life. From mortgages to student loans, Americans are often placed in positions where they spend more than they make.

While many do make their payments on time, a significant number of Americans must deal with debt collectors on a daily basis.

In fact, roughly one in three adults in the United States currently has at least one account in collections. Once a debt reaches this point, phone calls start being made and letters start arriving. While collecting on a debt is both perfectly moral and legal, the methods which some companies use to collect debts are not.

Illegal Threat with Legal Paperwork

While most know that threats are illegal, debt collectors have taken to even more extreme measures to get money from debtors. In some cases, these companies even go after people who owe them no money. Some of the more common scams used are to send out template letters threatening legal action on behalf of a company. These letters make it seem as if the debt is both valid and past due, and that the only recourse that an individual has is to pay off the debt immediately in full. These letters are often on legal stationary and are used as a scare tactic – one that requires a significant amount of help to defeat.

Working with an Ethical Firm

Most law firms practice law in an ethical manner. They abide by the rules of their state and they do not go out of their way to participate in the menacing of consumers. As such, the best all a consumer can have when dealing with an aggressive or fraudulent debt collector is a good attorney. An ethical law firm will not cost the world either; they are priced fairly based on their reputation and the scale of the work involved. For example, the cost of lexington law repair is calculated using a proven technique in fixing errors and removing negative elements. Overall, the benefit to the client far outweighs the outlay.

A firm can get in contact with the collection agency to find out the veracity of its claims and apply pressure when the collection agency is acting outside the law. In fact, the firm may even be able to help the wrongfully persecuted debtor collect money when the debt collection agency breaks the law.

An ethical law firm can help an individual to repair his or her credit by negotiating with valid creditors and by helping to bring the full force of the law against those that would seek to profit illegally. It often takes professional help to get a debt collector who acts in bad faith to clean up his or her act. Therefore, one’s best defense is an attorney or firm who specializes in working with debt collections.

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