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The Shocking Truth About Bad Credit

The Reality of Credit and Debt: Why You Need an Attorney to Help You

Are you struggling with credit and debt issues that seem impossible to fix? Have you considered working with an attorney to help you navigate these complex issues? In this video, I'm going to share how I was able to get my credit and debt issues fixed with the help of attorneys, and how you can too. 

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2. Legal Credit & Debt Resolution

Our network of Credit & Debt attorneys are some of the best in the country. They will audit and analyze your entire credit profile, and dispute and invalidate any negative accounts & outstanding unsecured debt!

3. Secure Your Funds and Enjoy Financial Freedom!

Enjoy not only an improved credit score and a reduced debt balance, but also have the flexibility to use your personal loan for any purpose you choose.   

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Instant access to all 3 credit reports and scores - and discover how to improve it to reach your goals. Learn to maximize your score and take steps to reach your goals. Our live specialists will help you navigate all of your finances!

Financial Freedom in 4 Steps

Review

Litigate

Negotiate

Celebrate

Review

Litigate

Negotiate

Celebrate

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Our certified debt and credit consultants review your individual financial situation.

Get a free credit analysis! Don't worry it's not a hard inquiry. We’ll review your debts and finances to come up with a solution that works for you. Whether it's fixing up your credit history, eliminating debts through attorney settlement, or representing you in consumer litigation. Additionally, get access to our Credit Monitoring and Identity Theft Protection portal and mobile app!

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Our attorneys dispute and litigate with not only all 3 credit bureaus, but all of your lenders too!

Our attorneys dispute and litigate with not only Experian, TransUnion, and Equifax, but all of your lenders and furnishers as well. So removing both derogatory items on your credit report AND unsecured debt is possible by taking advantage of your Consumer Protection Laws. Our attorneys are well versed in all of your rights, and will fight until even the whole debt you may owe is deemed legally un-payable by a judge.

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Our attorneys are the best in the biz, and work hard to save you the most money -- FAST!

About 80% of cases can actually be litigated completely through the process of validation, where we can actually dispute the validity of the debt! But in the cases that cannot, we deploy our special team of negotiators to reduce the debt to pennies on the dollar. We understand how lenders and collections agencies operate, and will fight with you every step of the way. Don't worry, your credit will be protected through out the entire process!

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Celebrate your new financial freedom and personal funding!

Small celebrations as we remove items and settle each of your debts, one big celebration when your burdens are gone for good, and you have access to up to $75,000 in personal funding! You can breathe now.

Step 1 of 4

Schedule a Virtual Meeting With a Loan Specialist! 

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Scroll down to see how we can help!

Contact us for any further questions and inquries, or read about our process and mission at NextStep Financial.

The History of Consumer Protection Laws

Consumer credit protection laws regulate creditors and lenders so they don’t take advantage of their customers with unfair fees, lending practices or methods of collecting payment. Of course, consumer rights were not always formally recognized.  Before the 1960s, the concept of consumer rights was virtually nonexistent. There were no protective measures to help consumers when they dealt with creditors, credit reporting or even credit repair. Individuals who were often the most desperate for help were taken advantage of by predatory lenders and creditors. As consumerism took a sharp spike upward, the government recognized that legislation would need to be put into place to protect consumers.

1970s

Another part of the CCPA is the Fair Credit Reporting Act (FCRA), introduced in 1970. The FCRA protects consumer information collected by credit report agencies and used by credit bureaus, medical information companies and tenant screening services.  The FCRA has two main focuses. The first is to ensure that no one other than qualified and approved parties can access a consumer’s credit information. The second purpose is to hold credit bureaus responsible for keeping accurate credit data on consumers. This means that: Consumers are entitled to one free credit report annually from each major credit bureau so they can review their accounts for inaccuracies. Credit bureaus must investigate any valid disputes filed by consumers about inaccurate data on their reports. Consumers have the right to remove negative information from their report after the allotted maximum time (usually seven years).   The FCRA regulates the type of data the credit bureaus collect.  

1975-

In 1978, the Fair Debt Collection Practices Act (FDCPA) was enacted into law. After receiving countless complaints about how debt collection companies would try to gather payments, it was decided that protective measures needed to be put into place. The FDCPA regulates how debt collectors can approach consumers to avoid unethical or abusive practices.  Some of the consumer protection details offered by the FDCPA are: Debt collectors can’t harass you, are only allowed to call you between 8 a.m. and 9 p.m. (unless you give permission otherwise) and can’t contact you at work.  Debt collectors must always disclose the purpose of reaching out to you, such as identifying that they’re trying to connect with you as they want to collect payment.  Debt collectors can’t threaten consumers.  Consumers can request that all communication stop and the debt collector must oblige.  Consumers have the right to ask that debt be validated. Debt collectors cannot discuss your debts with other parties. 

1996

The Credit Repair Organizations Act (CROA) was introduced in 1996 to ensure credit repair organizations didn’t use unfair or deceptive business practices with their clients. Some of the notable restrictions on credit repair organizations under the CROA are:  They can’t exaggerate or misrepresent their services. They can’t make false statements about consumer accounts to the credit bureaus or furnishers. They can’t ask for a fee up front when no work has been performed. They can’t offer to create a new identity for customers. They can’t ask consumers to waive their rights.

2005-

n 2005 the Fair and Accurate Credit Transactions Act (FACTA) was passed in an effort to help victims of identity theft. Some of the rules passed under FACTA are: Consumers can have access to a free credit report from each bureau every 12 months. Consumers can register fraud alerts on their own cards. Lenders, regulators and payment processors must have more oversight when looking for fraudulent and suspicious credit activities.

2010

The 2010 Dodd-Frank Reformation Act was created as a direct response to the 2008 financial crash. The act targeted the sectors of the financial market that are believed to have played a significant role in the market crash, including mortgage lenders, banks and credit rating agencies.  Some of the significant changes made under this act were: The Financial Stability Oversight Council can—and does—monitor the financial stability of major financial firms in the U.S. A new agency, called the Consumer Financial Protection Bureau, was created to monitor and prevent predatory mortgage lending. Banks have restrictions on how they can invest. For example, they can’t invest in private equity firms and hedge funds. 

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