The Ultimate Guide to Hiring a Consumer Law Attorney for Credit Repair!

Daniel Rosen  0:00  

Hey, Credit Heroes, have you exhausted all your disputing options, and you still aren't seeing the results you want? Well, today, I'm going to explain the power of consumer law attorneys and when it's the right time to hire one, so you better stick around. So the big question is this, how can we take our passion for helping people with their credit and turn it into a successful business without taking loans without spending a fortune by bootstrapping it from nothing? So we can help the most people and still become highly profitable? That is the question, and this podcast will give you the answer. My name is Daniel Rosen, and welcome to Credit Repair Business Secrets.

Okay, if this is your first time listening to my podcast every week, I give credit repair tips and advice on bootstrapping your business from nothing. So be sure to click subscribe now and get ready to start changing lives. Okay, let's get into this. A consumer law attorney is a lawyer who specializes in the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and other consumer protection laws. Their practice is usually dedicated to suing banks, debt collectors, data furnishers, or credit bureaus for violating these laws. 

There are four primary types of consumer law attorneys, FCRA attorneys, debt collection attorneys, consumer protection attorneys, and class action attorneys. Each of these attorneys specializes in a different field related to credit repair. And it's important to understand when and why you might need to reach out to one for their help. Here's how this relates to us. The factual disputing process is all about having the facts on your side and the law on your side so that you can stand up to the unfair credit system. Unfortunately, in certain situations, you can have everything on your side. And it still just isn't enough. The banks and the bureaus ignore you. data furnishers mistreat you, and debt collectors flat-out harass you. In these cases, you may need to recruit a qualified attorney to help you to take your dispute to the next level. 

So who are these consumer law attorneys? Well, FCRA attorneys specialize in laws that protect consumers' rights to accurate credit reports, and they help resolve disputes with the credit bureaus. FDCPA attorneys specialize in laws that protect you from unfair or abusive debt collection practices. They can also help stop debt collector harassment, negotiate lower interest rates and payment plans, and in some cases, they can eliminate debts altogether. Consumer Protection attorneys specialize in laws that protect you from unfair or deceptive business practices. They help consumers fight back against false advertising, deceptive or unfair sales, and deceptive or unfair business practices. Class Action attorneys represent large groups of consumers who've all been harmed by the same consumer law violation, they can file lawsuits on behalf of the group and seek damages for the harm they have suffered. When you challenge the corrupt credit system, you need to apply constant pressure and be prepared to adjust your strategy. When you challenge the corrupt credit system. You need to apply constant pressure, and you need to be prepared to adjust your strategy enlisting the help of an attorney may seem intimidating, but they're actually a very powerful ally. And in many cases, they won't even cost you a penny. 

Here's the thing to remember. I'm not saying that you should run out and get an attorney every time you want to file a credit dispute. I'm not an attorney. And this is not legal advice. And that's kind of the point. There are plenty of proven tactics for removing negative items from credit reports that don't require an attorney. Late payments, collections charge-offs, you name it, they can all be removed using the factual disputing method. But when you hit a wall, when you've already gone through the disputing process, sent follow-ups and warnings, and filed complaints with the CFPB or the FTC or your state attorney general, and you still haven't been able to get the results you want. That's when you need to consider bringing in an attorney. Now in the case of identity theft, you may want to contact an attorney right away because their expertise can prevent greater damage. 

But in most cases, hiring a consumer law attorney is a credit repair weapon of last resort. Some Credit Heroes hire attorneys to negotiate debt settlements with collection agencies because it helps ensure the best possible terms. Some Credit Heroes hire attorneys because they get overwhelmed by aspects of bankruptcies, foreclosures, and other court judgments. The point is, it's the card that you play. When you don't have any others left. You'll also discover that if you hire an attorney, they'll be more likely to succeed if you've already gone through the standard dispute process and collected a huge paper trail of evidence to back up your dispute. 

Here's why this is important. If you are new to credit repair and the factual disputing method, I suggest that you spend some quality time getting to know the FCRA, the FDCPA, and other consumer laws. These laws define your rights to fair and accurate reporting. And they protect you from the worst aspects of the credit system. The FCRA also allows you to seek damages from those who violate these laws. It states if a consumer reporting agency or, in some cases, a user of Consumer Reports or furniture of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. 

So whether you hire an attorney or not, understand these consumer law violations and have clear evidence to support your claim. These are essential to credit repair success. Attorneys are just better trained to use your evidence and to scare the bad guys. If you or someone you know or a credit repair client believe that they have evidence of a consumer law violation, there are a few things that they need to consider before they hire an attorney. 

Here's what you need to know. First, you have to find a qualified and reputable attorney. With experience handling your type of dispute, they need to understand state and federal consumer laws and know how they relate to your case, you need to review the four types of consumer law attorneys and research the best ones in your area. You can ask for referrals from friends or family, you can contact your State Bar Association, or you can search online Avvo find law and Justia are three of the most popular legal directories, and each allows you to search by location and specialty, so that you can find exactly what you're looking for. regardless of your circumstances. You can visit the websites of the National Association of consumer advocates and the National Association of consumer bankruptcy attorneys, which have directories, and you can filter by area and by specialty. You can also check out the National Consumer Law Center's website, which offers legal aid, including low-cost and free legal assistance options.

Once you've found a few potential attorneys, I recommend reaching out and scheduling a consultation with each one. Many of these consultations will be free, but be sure to ask before you agree to anything. The consultation will give you a chance to meet the attorney and ask questions about their experience, their rate of success, and their fees. I can't stress this enough get a written estimate of the attorney's fees before you hire them. In many consumer law cases, the defendant is responsible for paying the claimant's legal fees, which means you or your clients would not pay out of pocket. 

But in some cases, you may be asked to pay a retainer fee, which is a deposit that the attorney will hold to cover the cost of the case. It all depends on the situation. If a settlement is involved, some attorneys take cases on a contingency basis, which means you don't have to pay them at all unless they win. And if they win, they get paid a percentage of the settlement that they want, and then you get the remainder of the settlement, and the dispute is resolved, and everybody wins. Just remember, if you decide to hire a consumer law attorney, no matter who you choose, be patient and communicate with them. These cases can take months or even years to resolve, and the need to trust the person who's fighting for you. 

If you want to learn more about consumer law attorneys and advanced disputing techniques, go to creditrepaircloud.com/freetraining and sign up for our master class, the master class that includes six months of our software and additional credit repair business resources. Here's my final point. Hiring a consumer law attorney is an effective way to get results

But in many cases, it's overkill. Before you ever get to that point, there are plenty of tactics to try. However, in extreme cases where you hit a wall using the factual disputing method, your work is still valuable because it will help your attorney to fight for you. Just don't give up. And just a reminder, this podcast is brought to you by Credit Hero Score. Credit Hero Score is the only credit monitoring service that integrates directly with Credit Repair Cloud; get instant access to your credit reports and scores by signing up for a seven-day trial for only $1. Sign up right now at creditheroscore.com.

And now, for my favorite part of the episode. Every week I feature one of our Credit Heroes inside our Credit Repair Cloud Facebook community so that you can see firsthand what real people are doing as they run and grow their businesses. And today's spotlight is on Michelle Berry Nunez Michelle recently posted some news and inspiration in our community. Her very first client was approved for a mortgage last week, and they're just one point away from getting approved for a lower interest rate. She explained right now, his score is 689. And we're going for 690 plus. So Michelle mailed letters to all three credit bureaus disputing a paid collection account that appears to be inaccurate. She's also educating everyone she works with so they can make the biggest impact and change lives. Great work, Michelle; you're gonna save your client a tonne of money and prove that even small changes to credit scores result in huge wins. 

And I'll end by saying if you still need a Credit Repair Cloud account, check it out. It's software that most credit repair businesses in America run on. Just sign up for a 30-day free trial at creditrepaircloud.com/freetrial. And if you'd like to change lives and grow your very own credit repair business, check out our Credit Hero Challenge. It's a live experience that has helped tonnes of Credit Heroes to get certified in disputing and to gain confidence as they run their credit repair business on a solid foundation. So they can change a whole lot of lives and make a great living in the process. We're starting the next challenge very soon. So you want to join before the door is closed, we're gonna have a long wait until the next one. So sign up right now at creditherochallenge.com. And if you're finding value in the things that I share on this podcast, click below to subscribe and follow. 

Also, do me a favor give me a five-star review or share the show and help me to change more lives. If you'd like to read the show notes that are posted on my blog. If you have a question or a comment, drop it down below because I read each and every one of them. I would love to hear from you. And I'll respond as soon as I can. If you want more ways to fight back against the unfair credit system, check out my episode Consumer Law credit repair. So take care, Credit Hero, and keep changing lives. And I'll end by saying if you want more ways to fight back against the unfair credit system, check out my episode Consumer Law credit repair. And if you'd like to get certified in disputing and gain confidence and grow your very own credit repair business, check out our Credit Hero Challenge. Doors are closing soon. So sign up right now at creditherochallenge.com and start changing lives. 

Hey everybody, it's Daniel again. And really quick, I'd like to invite you to join what I believe is the best thing we have ever created inside the Credit Repair Cloud community. And it is a challenge that we call the Credit Hero Challenge if you're just planning out your business, or you're just getting started, and you dream of having a successful business of your own. So you can quit your nine-to-five and fire your boss and have financial freedom, or so you can add another revenue stream to your existing business. If that's your dream, you need to get into this challenge. We created this challenge to help you to create and launch your very own credit repair business to build a proper foundation for a really successful business. This challenge is going to help you to understand the strategy, the tactics, and all the things you need to be successful at credit repair. It really is the greatest thing we have ever built, and it will change your life. So I recommend you do it right now. Stop everything, pause this audio go online, and go to creditherochallenge.com That's creditherochallenge.com. Come and join the next challenge there's a challenge that is starting in just a few days, so go get started right now at creditherochallenge.com