We prepare legally grounded dispute correspondence under the FCRA and FDCPA, holding credit bureaus and debt collectors accountable — on your behalf.
Whether it's bad credit, an unpaid judgment, or surplus funds from a foreclosure — we know how to recover what's yours.
FCRA & FDCPA dispute correspondence — bureau letters, debt collector cease & desist, CFPB complaints, and affidavits of truth. Flat monthly retainer, no hourly billing.
Start Your Case →Won a lawsuit but never got paid? We locate assets, file enforcement actions, and collect on dormant civil judgments — at no upfront cost. We only get paid when you do.
Contact Us →When a foreclosed property sells for more than the debt owed, the surplus belongs to the former owner — not the bank. We track down and recover those overage funds on your behalf.
Contact Us →FCRA §611 disputes to Experian, Equifax, and TransUnion with Metro 2 non-compliance grounds and breach context.
Sworn testimony under 28 U.S.C. §1746 — forces CRA legal department review instead of e-OSCAR automation.
FDCPA §1692c cease & desist, §1692g validation demands, and credit reporting as communication notices.
Formal regulatory complaints with documented enforcement action history and 6-item resolution demands.
Escalation letters citing Cushman v. Trans Union when bureaus parrot furnisher data without genuine reinvestigation.
Power of attorney and full file disclosure requests so we can act on your behalf with any party.
Cancel anytime — required by the Credit Repair Organizations Act (15 U.S.C. §1679b).