Attorneys - Part 1
In all of your dealings, be a stickler for details.
Put all communication to the credit bureaus in writing.
Put what you can in writing when communicating with furnishers, and take detailed notes on all telephone conversations with them.
Tracking correspondence is a big part of preparing any winning case.
Methodically plan what your next move will be, since your actions will cause reactions; if you've played your cards right, you'll look reasonable and the other party will look unreasonable.
Even the other party's failure to respond to your query would likely be interpreted by a judge or jury as unreasonable.
Always employ tactics that will get the other party to tell on himself, either through writing or by taping phone conversations (if legal and admissible in your state or federal court).
What better evidence than the defendant's own words and deeds? Or should I say misdeeds? I like going it alone, particularly on the smaller cases.
After all, who knows my case and cares as much as I do? Besides, I prefer to pocket the proceeds if there are any.
Of course, we're all busy with our daily lives and often just want someone else who knows what he or she is doing to handle things.
But sometimes the situation just won't permit this; the dollar amount involved makes legal representation impractical.
In such cases, once you've done it by yourself and had success, you'll feel empowered and will not likely allow yourself to be trampled on again.
I always make certain that a positive outcome is virtually ensured no matter where my case ends up.
He said/she said isn't good enough; it's hard proof that will make or break your case.
Assume early on that the case will end up in court and plan accordingly.
If you do retain an attorney, you'll strengthen his or her hand with your own efforts and also increase the chances that the attorney will take your well-prepared case on a contingency-fee basis.
If the creditor is reporting falsely and it's impacting you negatively, consider suing for a FCRA violation in federal court and attempting to collect all types of money damages permissible under the law.
If your case is strong enough and the damage egregious enough, you may want to find a crackerjack lawyer who will take the case on a contingency basis.
An FCRA attorney can tell you very quickly whether you have a strong case, and if you do, he or she is likely be interested.
For me, retaining a lawyer to deal with creditors and bureaus is a last resort.
Why pay someone to negotiate when you already know how? But when the terms of written agreements aren't met, when erroneous information simply won't come off your report, and when all other avenues have failed, then you should consider retaining counsel.
Put all communication to the credit bureaus in writing.
Put what you can in writing when communicating with furnishers, and take detailed notes on all telephone conversations with them.
Tracking correspondence is a big part of preparing any winning case.
Methodically plan what your next move will be, since your actions will cause reactions; if you've played your cards right, you'll look reasonable and the other party will look unreasonable.
Even the other party's failure to respond to your query would likely be interpreted by a judge or jury as unreasonable.
Always employ tactics that will get the other party to tell on himself, either through writing or by taping phone conversations (if legal and admissible in your state or federal court).
What better evidence than the defendant's own words and deeds? Or should I say misdeeds? I like going it alone, particularly on the smaller cases.
After all, who knows my case and cares as much as I do? Besides, I prefer to pocket the proceeds if there are any.
Of course, we're all busy with our daily lives and often just want someone else who knows what he or she is doing to handle things.
But sometimes the situation just won't permit this; the dollar amount involved makes legal representation impractical.
In such cases, once you've done it by yourself and had success, you'll feel empowered and will not likely allow yourself to be trampled on again.
I always make certain that a positive outcome is virtually ensured no matter where my case ends up.
He said/she said isn't good enough; it's hard proof that will make or break your case.
Assume early on that the case will end up in court and plan accordingly.
If you do retain an attorney, you'll strengthen his or her hand with your own efforts and also increase the chances that the attorney will take your well-prepared case on a contingency-fee basis.
If the creditor is reporting falsely and it's impacting you negatively, consider suing for a FCRA violation in federal court and attempting to collect all types of money damages permissible under the law.
If your case is strong enough and the damage egregious enough, you may want to find a crackerjack lawyer who will take the case on a contingency basis.
An FCRA attorney can tell you very quickly whether you have a strong case, and if you do, he or she is likely be interested.
For me, retaining a lawyer to deal with creditors and bureaus is a last resort.
Why pay someone to negotiate when you already know how? But when the terms of written agreements aren't met, when erroneous information simply won't come off your report, and when all other avenues have failed, then you should consider retaining counsel.
Source...