AboutRegan Shinski Expertise I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit reporting.
Experience Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports.
Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry.
I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA).
I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage.
In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.
Education/Credentials BA - University of Minnesota
Question EVEN IF THE CREDITORS CORRECT THE ACCOUNT THAT I DISPUTED CAN I STILL BRING BANKRUPTCY VIOLATION OF AUTOMATIC STAY AGAINST THEM OR ANY OTHER VIOLATIONS THAT HAS OCCURRED?
Answer It's possible. However, if it was a simple error that they corrected, you will likely not win.
A related analogy is this: Say you have an error on your credit report and a late payment is showing when you weren't late. You dispute it or advise the creditor of the error and they fix it in a reasonable amount of time. Technically they violated the Fair Debt Collection Practices Act (FDCPA) by not reporting it correctly. However, you likely wouldn't win in court because they corrected it.
Is that your case here? If so, I don't think you would win. If they delayed, had a pattern of bad or deceptive behavior, or otherwise did not act in a "reasonable" manner you could pursue. There's also the issue of damages. Additional attorney fees, loss of credit, additional court fees, etc. make your case much stronger rather than just going for a statutory penalty.
