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Choosing a Legal Debt Repair Service

Unfortunately, unscrupulous companies abound in the legal debt repair industry. To help you avoid these companies, we've put together some tips on how to choose a reputable legal debt repair company.

Background on the Legal Debt Repair Industry

For some time now, fraudulent legal debt repair companies have been targeted by FTC investigations. In fact, in February of 2006 alone, the FTC's Project Credit Despair shut down 20 such companies. Clearly, fraud is a problem in the legal debt repair business. Legal debt repair deals with very sensitive personal information that can be easily exploited, which is why it's critical to choose your legal debt repair company carefully.

Five Warning Signs

The Federal Trade Commission (FTC) enforces consumer protection laws in the U.S. The FTC has issued the following guidelines to help you select a credible legal debt repair company:

  1. Avoid legal debt repair services that request fees in advance. We do not charge you in advance for any legal services, and you should be wary of companies that do. We will ask you for an initial set-up fee and then charge you monthly after our Avoid legal debt repair companies that advertise new identities.services have been performed.
  2. Avoid legal debt repair companies that don't tell you your rights. You have the right to attempt credit repair on your own. Our services are an affordable alternative for clients who prefer to have legal professionals manage their credit repair.
  3. Avoid legal debt repair companies that advertise "new" identities. Creating a new identity is illegal and can result in heavy fines or imprisonment.
  4. Beware of legal debt repair companies that embellish their experience. You will sometimes see legal debt repair companies claim to have "25 years of experience," but this number often reflects the combined experience of all staff people. In contrast, we have been practicing legal debt repair since 1991.
  5. Avoid companies that imply FTC endorsement. The FTC does not endorse businesses, so do not choose your legal debt repair company on this basis.

 

If you have any questions, please check out our FAQ page.

How We're Different

We are one of the pioneers of the legal debt repair business. We have specialized exclusively in legal debt repair for almost 20 years now, which makes us one of the oldest, most-respected companies in the business. We have decades of experience in legal debt repair, and we devote our time, skills, and attention solely to credit repair services. You will find that many other companies offer legal debt repair as a secondary or auxiliary service. Usually, these companies are actually debt consolidation companies with very little experience in legal debt repair. In addition, we are a law firm that specializes in credit repair, which means our attorneys and paralegals will bring a wealth of knowledge and expertise to your case. We are professionals who are bound by the ethics and laws relevant to our field. For many of our customers, this lends more credibility to our services than those of other legal debt repair companies.