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Credit Solutions: Credit Report Inaccuracies To Debt Settlement

At Moreno, LLP Attorneys at Law, we believe in helping clients across Indiana achieve the best possible results and want to ensure we are changing your life for the better. There are people who may not need to file bankruptcy but still need debt relief. They just need getting the proper information, resources and guidance to work their way into a brighter financial future. There are other options besides bankruptcy if you are looking to improve your situation.

Fixing Credit Report Inaccuracies

When a credit report is not accurate, it may negatively affect your credit score. Having good credit can save you thousands in lower interest rates, lower insurance premiums and by requiring low to no deposits for items like cellphone contracts and utilities. Your credit can affect where you live and how your family lives as well.

It is important to review your credit report and properly dispute these inaccuracies to improve your credit score and financial wellness. If you have inaccuracies on your credit report, there are ways to correct these errors. Also, if the inaccuracies are not corrected and continue to show up on your credit (or are found to be willful), there are damages that can be awarded.

Have you been working with phone counselors or out-of-state companies to help navigate your credit report and improve your finances? Feel like you haven’t gotten anywhere?

We are actual attorneys and want to provide clear, honest guidance about your financial situation and how the law may help you. Call 317-822-9900 to learn more.

Debt Settlement

For some people, issues with debt or financial troubles come because of unexpected life changes (unemployment, divorce, medical expenses, etc).

Debt settlement is a negotiation between you and a creditor to pay a portion of the debt owed in exchange for clearing out the rest of the balance (and noting the debt as paid/settled to avoid further damages to your credit or eventual lawsuits). If you have just one large debt or several accounts with one creditor and you would prefer not to file a bankruptcy, you can attempt to negotiate with your creditor to address the debt.

This process can often help you save a lot of money and stress by paying less than what you owe to your creditor and handling the matter at once.

Stop Debt Collector Harassment

Collection agencies purchase debt for pennies on the dollar and then attempt to collect the debt in any way possible. There are laws created to avoid harassment and coercion by these collection agencies. If you are being harassed by a collection agency for a debt owed (or one you no longer owe), we may be able to help you stop the harassment and you may be entitled to statutory damages.

If a collection agency is harassing you in one or several ways, you could be entitled to relief under the Fair Debt Collection Practices Act (FDCPA). Violations can include:

  • Harassing phone calls at home, work and to your loved ones
  • Calling extremely early or late in the day
  • Sending letters that contain false or misleading threats

If you are being harassed, it can cause an enormous amount of stress. The threatening phone calls and letters must stop if a debt collector has violated the law; damages can also be awarded if you have suffered some harm (and it can cover your attorney costs and fees also)!

Contact Moreno, LLP Attorneys at Law Today

We offer free initial consultations with our experienced Indianapolis-based lawyers. Schedule yours now by completing our online contact form.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


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