CREDIT REPAIR & DEFENSE

We can help restore your credit and raise your FICO score in a very reasonable time. Get the help you need from an attorney with years of experience. If your being hassled or sued by a company or collection agency, call our office for immediate help.

Fix Your Credit

Let’s face it. At some point, almost everyone has questions about credit repair. This is completely understandable since credit scores now play such a big role in many areas of our lives. The important thing is to seek out experienced attorneys for answers about how to repair your credit.

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Our lawyers have been educating people about how to successfully repair their credit using the provisions of Federal and Florida State laws. Our lawyers keep current as the law changes, which enables us to effectively help our clients improve their financial futures. To speak with a lawyer about your current situation, please do not hesitate to contact Fistel Law Group today. Our experience spans all types of financial situations in need of credit repair, from filing bankruptcy or rebuilding credit scores, to cleaning up errors on credit reports; we can pinpoint proper plans and solutions.

For Example:

  • We will help show you how to rebuild good credit history after filing for bankruptcy by paying bills timely, based on an easily pre-planned schedule

  • We will show you how to use the Fair Credit Reporting Act (“FCRA”) to evaluate your credit file and limit who can view it

  • Our firm will evaluate if you would benefit from using our credit repair services to help clean up your credit file

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There are many options when it comes to repairing your credit.

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Fistel Law Group is located in the greater Fort Lauderdale metro area. For an evaluation of your case, please call us at  (954) 522-1212, or send us a message via our webpage, or email to: Andrew@Fistel.com.

Many consumers do not understand that there are laws to protect them against debt collectors who violate the law and creditors who wrongfully blemish their credit reports.

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Our lawyers are experts and have vast experience using the law to stop those who overstep their bounds and defend you against those who misuse the courts.

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Get Help Not Judgment

At Fistel Law Group, we understand that many good people experience hard times. Some people are laid off from a job through no fault of their own. Some people suffer an accident and have medical bills they can’t pay. Some people get divorced and suffer financial hardship as a result. Many good people have debt problems. You are not alone.

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Our firm has one goal: to help our clients find a new financial path and a brighter economic future. We are here to help. We are your legal advocates; our Florida unpaid tax lawyers are here to protect and assert your legal rights. To speak with an attorney about bankruptcy, tax debt relief and other debt matters, contact us at the Fistel Law Group at once.

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Fair Debt Collections Practices Act

Personal, family, and household debts are covered under the FDCPA. This includes money owed for the purchase of an automobile, for medical care, or for credit cards.

A collector may contact you in person, by mail, telephone, or fax. However, a debt collector may not contact you at unreasonable times or places, such as before 8 a.m. or after 9 p.m., unless you agree. A debt collector also may not contact you at work if the collector knows that your employer disapproves.

A debt collector may not contact anyone else about your debt, except to find out where you live and work; they may contact your lawyer, if you have one. Generally, the collector cannot disclose to a third party that you owe money.

 

A debt collector must identify himself/herself as a debt collector and must provide you with a statement that he/she is calling to collect a debt Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.

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A collector may not contact you if, within 30 days after you are first contacted, you send the collection agency a letter stating you do not owe money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed.