Credit Restoration Can Help You Recover Quickly From Financial Hardship

Determined debt defense attorney pursues aggressive strategies to improve your credit score

If you have a mountain of debt that has become unmanageable, delinquent payments and resulting collection measures can severely damage your credit rating. Credit restoration is a method of getting you back on your feet financially. The Law Office of David A. Fernandez, P.C. has a track record of improving the credit scores of many others in your position and we are ready to pursue effective strategies in your behalf.

What is credit restoration?

Credit repair is one means of fixing negative credit information but, standing alone, it only removes data that credit bureaus can’t verify. Credit restoration is a more aggressive approach. We challenge all unverifiable, incorrect and outdated information maintained by all three of the top credit bureaus: Equifax, TransUnion, and Experian. If a creditor continues to wrongly report negative information, we can issue cease-and-desist letters demanding that they stop and take legal action against them if they don’t. This includes use of the federal Fair Credit Reporting Act (FCRA), which gives debtors the right to dispute fraudulent or inaccurate claims.

We also handle debt defense, with the goal of defeating or winning dismissal of civil collection suits. We also negotiate settlements when advantageous to our clients. Many creditors would rather accept a partial payment and write off the rest than risk receiving nothing if the debtor goes into bankruptcy. We can also work with mortgage lenders to have late payments removed from your credit history.

Bankruptcy as a credit restoration tool

Bankruptcy is a key element of many of the credit restoration plans that we handle. As long as you can’t pay your debts, you’re helpless to rebuild your credit. Filing for bankruptcy results in an automatic stay against creditor collections. It also can wipe out all or most of your debts, giving you a fresh start. In addition, the process includes taking a class on financial management skills that you can start using immediately. The payoff comes after bankruptcy, when you are finally in a position to restore your credit. We can explain in detail how bankruptcy fits into your credit restoration strategy and we will represent you vigorously throughout the proceeding.

Rebuilding credit

Once you have emerged from the bankruptcy process, we can advise you in detail on how to rebuild your credit and about pitfalls to avoid. A key element is paying all your bills on time. You should also do your best to put a low limit on the amount you owe at any one time. However, a small amount of debt is actually helpful, since a positive repayment history is an important factor in a good credit rating.

After your debt has been discharged in bankruptcy, you should avail yourself of our credit restoration services. We are able to facilitate our clients getting non-secured revolving credit. Within a year, former bankruptcy petitioners who enroll in our credit restoration program will usually attain a high credit score.

Get help from an experienced Houston credit restoration attorney today

For aggressive help with restoring your credit in Texas, consult the Law Office of David A. Fernandez, P.C. To schedule an appointment at our uptown Houston office, call us at 713-893-8509 or contact us online today. We offer free initial telephone consultations.