Credit Score Problems Attorney Steven J. Halbert

The Fair Credit Reporting Act (FCRA) is a federal law giving consumers the right to receive
accurate credit reporting by credit bureaus and creditors.

If you are six months past the completion of a consumer bankruptcy, and you have been turned down for credit, you have a right to examine your credit report, free of charge, by requesting a copy of your credit report/file. You can demand that the credit bureaus contact the entity reporting an inaccuracy, to verify its authenticity. If the creditor or credit bureau continues to report the incorrect information, you may have a right to collect money damages.

For skilled credit report legal services, fair debt collection advice and assistance with your appeal, the experienced Indiana bankruptcy lawyer who has achieved positive results for clients in greater Indianapolis and statewide for almost 25 years is Steven J. Halbert in Carmel.

Your free initial consultation with Mr. Halbert is designed to open your eyes to the importance of rebuilding credit through fair credit reporting and corrections of any credit score problems that could occur. Protect your rights, starting today, by contacting our law office of Steven J. Halbert, toll free: 765-577-5290. We respond promptly to your e-mail or fax message.

Almost 25 Years of Experience, Reputation for Results

Two kinds of FCRA violations that Steven J. Halbert can protect you against are:

Merged credit — someone else's information may get merged into your credit report, due to an identical name or similar Social Security number, causing you to be denied credit.

Inaccurate information — one of the most common mistakes made by credit reporting agencies, such as an inaccurate trade line: the description of a credit obligation owed by you (mortgage payment, vehicle payment) that is not accurate.

These kinds of reports can harm your credit score when you attempt to obtain credit from another entity. Any trade line reported inaccurately can be disputed. If a credit bureau refuses to correct this information within 60 days of your written complaint, you could be entitled to monetary damages as spelled out in the Fair Credit Reporting Act.

These approaches are but a few examples of how our skilled bankruptcy attorney's expertise, insight and creativity can work for you. Steven J. Halbert safeguards your interests from start to finish of the bankruptcy legal process — from a discussion of your Chapter 7 or Chapter 13 options, to execution of your bankruptcy, to court if necessary in the event of an irregularity, and afterward to protection of your rights to a fair and accurate credit report score.

Steven J. Halbert's law office is a debt relief agency dedicated to counseling clients according to federal Bankruptcy Code.

Contact Our Indiana Fair Credit Reporting Attorney

One toll-free phone call to 765-577-5290 secures your free consultation with Steven J. Halbert. If you need an evening appointment, we can provide it.

Our law firm always gives you straight answers as to all fees and costs associated with filing for bankruptcy. Our fees are low and there are no gimmicks or hidden charges. Flexible payment plans are available.