Charged Offs

Many consumers have been misled by unreliable sources. They have been told that unpaid collections can be removed from their reports without paying them.

Here’s reality…

1) According to the Credit Repair Organizations Act, “Neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.”

In other words, it is illegal to remove verified and current unpaid collections.

2) If a person or company guarantees the removal of a verified unpaid collection; they are performing two illegal acts. 1) by law they cannot make such a guarantee and 2) refer back to #1.

If removed… there is a very high chance that the collection will return and you just wasted your money.

3) If the debt is valid then you owe the debt. The creditor may sue and obtain a Judgement, which can lead to wage garnishment or worse, place a levy on your bank account.

For over 16 years we have helped consumers and pointed them in the right direction. We are ready to help you.