About John Hall Expertise Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of
experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and
13 of the United States Bankruptcy Code) primarily representing individual
debtors with consumer debt or small businesses; Experience has included all
aspects of debtor/creditor relations.
Experience FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.
Question My question is: I recently pulled a copy of all 3 credit reports. I have an error on Equifax that lists a collection agency. I contacted Equifax, they can not provide me any information on the company. I have disputed this date with them twice-I get the standard "verified" answer within 5 days of the dispute. I finally tracked down a phone number to the company. When I phoned them I was told I had written a bad check to a payday loan company 4 years ago. This company has never contacted me for this debt-this is not mine. I have a fraud alert on my credit report because my vital information was stolen. I have asked this company to verify this debt or remove this from my report. I do not have any outstanding or bad checks to anyone. I have never had a problem writing a check or opening a bank account. This company still has not provided any information or verification for this. What should I do now, and how long do I have to wait for this to be resolved? Thank you.
Answer If you have done everything that you are supposed to do insofar as requesting that the debt be validated and they have, in effect, refused to do so, your next move would be to ask the courts to not only order them to correct the incorrect entry but also have them pay your any damages that you have incurred as a result of their failure to follow the federal law. I can explain to you in more detail how you might do this if you call me on my cell 661 492-2673 I will not charge you just to talk on the phone.
