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Credit Repair/RestorationWe do for you:Credit RestorationCredit Enhancement Dispute all Wrong Information Negotiating Debt The Law Offices of Manny Singh, P.A. understands that good people can end up with less than perfect credit. We have a team of experts qualified in the field of banking, credit repair, and law. Now there is something you can do to improve your credit! There are organizations that brand themselves as credit repair companies, though they lack ability to serve the customers. Our law firm educates you, empower you, and involve you personally at each step of your credit restoration/enhancement process. Our Process:The time you meet with our firm's Certified Credit Consultants (CCC), your credit report will be reviewed from the three major bureaus with you. The CCCs will then explain, educate and review your personalized credit repair strategy.We Can Dispute…Late PaymentsCharge-off Accounts Collections Judgments Tax Liens Public Records Bankruptcy Foreclosure Don't let your bad or inaccurate credit control your future. Your credit score is the foundation of your ability to secure loans at the best rate possible. Today, it is mainly home and car loans. Tomorrow, it will be car and health insurance, renting, or even securing a job. Invest in your credit future.On average, a customer of the Law Offices of Manny Singh will see a credit score increase of 75 to 150 points!Our Mission is to:Take a genuine interest in our clients, understand their objectives, and meet or exceed their expectations.We will work hard provide superior financial education in a timely, effective, and efficient basis, and maintain the highest standards of professional integrity. Tips and SolutionsCertainly, bankruptcy give a fresh start and a second chance to restructure your finances. What you can do to rebuild your credit after bankruptcy is continue to make your monthly payments on time, which is of extreme importance, pay your bills by paying the entire balance, not just the minimum amount due.Live within your means. Effective financial planning can make a big difference in the long run. Plan your expenses carefully and start saving money for the future. Within a year or so you will start to re-establish your credit. Avoid payday loans as they accompany a higher interest rate and can result in credit trap. You should pay your reaffirmed, pre-bankruptcy debts on time. If you have a poor payment history along with a bankruptcy, it is reflected negatively on your credit score. Open up a checking and savings account and manage it effectively. Apply for a department store or gas credit card with a small credit limit and pay the bill without fail each month. It would be better if you set aside some money before it is due. You should be paying of current utility bills on time for at least a year or more. You can dispute debts on your credit report. As once you receive your discharge, your creditors should remove the amount owed from your credit report. Under the Fair Credit Reporting Act, if they do not do so, you may have a claim for damages. For more than twenty five years, Law offices of Manny Singh has been helping people all over Florida rebuild their credit after filing for bankruptcy. We can suggest you various options, and you can chose one that fits your situation. For further information contact Law Firm: Law Offices of Manny Singh, P.A. Credit Repair/Restore/Rebuild FAQsQ: Do you charge for the initial consultation? A: No. Our initial consultation with you is free however, we charge a nominal fee of $49.95 in order to obtain a copy of your credit reports and put them through our scoring system to assess the likelihood of trade line removal. Q: Are these only for the people with bad credit? A: NO, definitely not! Anyone with good credit might only have a few of the small packs of services in order to have a great credit. The great credit gives you better rates on loans, easy credit qualifications, and low promotional rates. Q: Can I myself dispute the items? A: Of course YES. Anyone can dispute items with the credit bureaus himself. This worked well up until a couple of years in the past; however, now a days it is made rather tough by the credit bureaus and needs a comprehensive process along with "lawyer-like language" to succeed in the process. Q: Can I see the letters that are sent out? A: YES. Although the Fair Credit Reporting Act mentions that "any dispute sent by a third party may be treated as frivolous and can be disregarded". Our firm not only let you see them, but we also require you to review and sign your letters. When you compare us to anyone else, you can just ask them that if they let the client see the letters that are sent out on his/her behalf. Q: How long does it take? A: Our 120 -day credit makeover plus program is our premier credit restoration services. Offering our clients a program that is not only transparent but provides a clear ending date with results that fall into three categories, deleted, verified, or prepare for lawsuit. |
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