Alabama Post-Bankruptcy Credit Report Lawyers
Phone: 205-879-2447 or 205-714-4443
With our convenient location in Birmingham, Alabama, the consumer protection lawyers at Watts Law Group P.C. & M. Stan Herring P.C. can assist you with correcting post-bankruptcy errors in your credit report.
Your credit score can be adversely affected by errors in your credit report. Credit bureaus (such as Equifax, Experian, and Trans Union) have an obligation to provide accurate reports, free from any known errors.
Some creditors or buyers of debt will not report your discharge to credit bureaus, they will instead "park the debt" during the bankruptcy and then try to collect the debt after it has been legally discharged. Here is an example of a lawsuit we filed that discusses this problem in detail.
You can read about some of the dirty tricks that creditors use to avoid following the law - click here for our blog posts related to bankruptcy.
What Should I Do About Post-Bankruptcy Credit Reporting Errors?
Once you have completed your bankruptcy, you should request a copy of your credit report by downloading a form to mail, calling 1-877-322-8228, or going online to annualcreditreport.com. Your credit report should indicate a zero balance next to all creditors listed in your bankruptcy petition, unless you acquired new debt during or subsequent to your bankruptcy or re-affirmed the existing debt during the bankruptcy.
If your credit report indicates an error or errors, you should send them a dispute letter with proof the debt was discharged in bankruptcy. We can assist you with drafting the letter or you may elect to draft it yourself. In either event, we recommend sending the dispute letter via certified mail. Sometimes it is best to sue the creditor before discovery and we are happy to discuss that with you.
If the credit reporting agency (the credit bureau) does not correct the error or errors in your credit report, we can file a lawsuit to compel them to make the changes and request compensation for damages to you as well for the agencies violating the Fair Credit Reporting Act.
If you have been financially damaged because a creditor or credit reporting agency did not accurately report your debt after a bankruptcy, you need to consult an experienced consumer protection lawyer. We invite you to put over 20 years of combined consumer protection experience to work for you by calling us at 205-879-2447 or 205-714-4443, e-mailing Mr. Watts or e-mailing Mr. Herring, or filling out our intake form on our Contact Us page for a free confidential consultation. We will discuss your claim with you and our strategy for aggressively fighting to protect your rights and getting you the compensation you deserve.
For additional information about our firm and high level of service we provide, please visit our Firm Overview page.
Fighting to Protect Your Rights
Watts Law Group P.C. & M. Stan Herring P.C.
Alabama Consumer Protection Lawyers
Phone: 205-879-2447 or 205-714-4443
