Credit Report Disputes

People often call our offices for help cleaning up their credit reports.  We suggest they use this letter, provided courtesy of the Consumer Credit Counseling Service of Orange County.
We advise sending the letter to all three bureaus (Equifax, TransUnion, and Experian), by certified mail, return receipt requested, and including their SSN and full legal name [...]

Texting for Collections

The law lags often behind technological advances; one example is the area of debt collection.  While financial service providers send 12 million text messages per day, most of them are service-related (such as account balance alerts) and permitted by the account holder.
However, if you are a creditor thinking of using text messaging as part [...]

I don’t want to file, but should I?

Many people we see in our offices want us to handle negotiations with credit card companies or provide them with credit card counseling. Most often these individuals need bankruptcy protection, not creditor negotiation or credit card counseling. You may be the exception, so contact our office for an initial consultation. Here’s a checklist to see whether bankruptcy is a viable option for your circumstances.

In Financial Distress?

We help clients facing these financial difficulties:

Foreclosures, wage garnishments, creditor harassment and repossessions
Creditor negotiation (including credit card companies) to lower debt and avoid bankruptcy
Restructuring, liquidating and winding down troubled operations
Negotiate unpaid taxes with local, state and federal agencies
Asset planning and protection after a harmful turn of business affairs
We regularly advise clients on legal matters that [...]