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Credit Report Errors:
Your credit report contains information about where you live, how you pay your bills, whether you've been sued, have a judgment, been in court, were arrested, or have filed for bankruptcy. Consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Bleichman and Klein may help you correct your credit report errors and if the report is not corrected, then we may sue the credit reporting agencies on your behalf, which may entitle you to compensation and a damage award.
If you owe debt to a person or company, they have the right to collect that debt. However, there are legal guidelines that must be followed in debt collection matters. Many creditors become so aggressive in their debt collection, that they lose sight of the professional and legal regulations they should be adhering to.
At Bleichman and Klein, we defend clients in Spring Valley and throughout New York and New Jersey in debt collection and fair credit reporting matters. Whether a creditor is threatening you with immediate eviction or is calling at inappropriate hours, we can help make sure creditor harassment stops.
Rules for Debt Collections
The law requires creditors to follow a variety of rules in their debt collection efforts, and if any of these laws are broken, you have the right to fight back. During their collection efforts, creditors must:
Have the correct amount that is owed
Be able to validate the debt
Be within the statute of limitations
Have accurate account statements
Track the time that the debt has been owed
Properly serve or notify the debtor of the complaint
Whenever a creditor acts under bad practices, you have the right to fight them, and we can help. We help clients dispute the debt and help them receive the validation of their debt. If you received a phone call or collection letter, it is important to contact us. Even collection letters need to be formatted in a certain way, and we can help make sure you are not subjected to unfair or illegal debt collection methods.
Fair Credit Reporting
There are three credit reporting agencies: Equifax, Experian and Transunion. Everyone's credit score is determined by those three agencies. If they have incorrect information, it can affect your credit score, your ability to get new credit, your existing rates and your rates on new credit. We help clients dispute the erroneous entries, making sure the credit reporting agencies correct it. If they fail to do so, we can sue them for statutory and actual damages.
No Fee Unless We Make a Recovery
Learn more about the representation you should receive to protect your finances. Contact our Spring Valley debt collection defense attorneys to schedule your free initial consultation. We can be reached online or by calling 845-425-2510.
Telephone Consumer Protection Act
If your are receiving unwanted sales calls on your home phone, cell phone or telefax, you may be able to sue and recover damages. We will not charge a fee unless we recover money for you.
New Jersey Mortgage Lawsuit Attorneys
Few people make investments or become involved with personal transactions that have more worth than their home. You get a loan, take out a mortgage and pay a great deal of fees and costs. According to federal law, everything that you pay must be included in a bank's Truth in Lending Statement.
If a bank or lending institution fails to show that information, the borrower can rescind the loan, and the bank is responsible for repaying all the fees, costs of financing and attorneys fees. Although you may suspect your bank is being unethical, it can be difficult to prove without the assistance of experienced lawyers.
At Bleichman and Klein, we represent clients in Spring Valley and throughout New York and New Jersey in truth in lending matters. We sue banks, title companies, brokers and lenders to protect the rights of our clients.
Real Estate Settlements Procedures Act
Under the Real Estate Settlements Procedures Act (REPSA), lenders are expected to be accountable for payments that borrowers make to loans and their proper application to the account. Many lenders apply mortgage payments to junk fees or late fees, or they won't pay tax escrows on time.
Some banks use a forced place insurance policy, holding higher insurance levels and using your money to ensure themselves. Often times, people don't realize this until they receive a tax bill when their escrow should pay their taxes. In other situations, people receive cancellation notices from their insurance, even though their escrow should pay their insurance.
If your mortgage company is not paying what it should, we can help.