Posts Tagged ‘Misleading’
It Is Not A Crime To Not Pay A Payday Loan
Not Paying a Payday Loan is NOT Criminal
Taking out a Payday Loan is a simple affair. You tell them how much you want, and they pretend that you have money in your bank account, because you have a Job.
Then, payday comes and you have other bills to pay, so you don’t pay them. First you get a polite call, then they get more aggressive, until finally, they threaten JAIL.
Should you be worried? Not even a little but. It is illegal in most states to write a check knowing that you do not have sufficient funds, with fraudulent intent. (For example: Virginia Code and Californian Penal Code.
But a Payday loan is different. You know there is no money there. They know there is no money there. If everyone knows there is no money, there can be no fraudulent intent.
Payday Loan Collectors Are Subject To The Same Rules As Other Collectors
Payday loan collectors are collecting a loan that was made for you to buy groceries, or gas, or pay the electric bill. A loan for personal expenses. A loan for family use. A loan for household expenses. That makes this a loan that is subject to the Fair Debt Collection Practices Act. And the collectors have to play by the rules. Not that they will, but they have to not be abusive or harassing, not say things that are false or misleading, and not say anything that is unfair or deceptive. You have certain rights when dealing with them, primarily to be treated with some respect.
You can even Make Them Stop.
Payday Loans Are Includable In Bankruptcy
Sometimes even good people need to file for bankruptcy. And some even have Payday loans.
Some payday lenders try to put in their contract that you will not include them in your Bankruptcy.
Some payday lenders tell you that you cannot Bankrupt that debt.
Some payday lenders just ignore the law, and tell you that they can collect anyway.
They are all wrong.
The US Constitution has a provision in it that CONGRESS has the exclusive right to set the rules of Bankruptcy. That means that you have a Constitutional right to file for Bankruptcy, and you cannot contract that right away.
The Bankruptcy code has a section on what is not dischargeable in a Bankruptcy. A check is not one of the things in that list.
The Bankruptcy code has a section on what is not stopped by the filing of the Bankruptcy. A check is not on that list.
Criminal “Bad Check” Is Different From A Payday Loan
As I mentioned above, most states have a criminal bad check law. Virginia, California, even Federal Law .
All of them have an important element. Intent.
When you write a check at the grocery store, there is a presumption in most states that if the check does not clear, that you had the intent to pass a bad check, to obtain money, or products or services intending not to pay for them.
This is not the same as a payday loan. A payday loan is based on the idea that you HOPE that money will be in the bank when the loan comes due. Isn’t that the same as any other loan? If you had the money, you wouldn’t have needed to borrow money, you would have paid cash. (Note: paying cash is always a better choice than a loan. It just may not be practical.) When you borrow money for a car loan, you hope that you will have the money to make the car payments. When you borrow money for a credit card, you hope that you will have the money for the minimum payments, or maybe, a little bit more. When you get a payday loan, you hope that you will have enough money to pay the payday loan back.
In each of these cases, everyone knows that you don’t have the money today. Even with the payday loan.
Now there is one exception to this, that is the one thing to worry about. An account that was closed before you took out the payday loan. If the account is closed, it is a different situation. You gave them false information so they would loan you the money. But the only time this exception applies is to accounts that were closed before the loan. If it was closed after, or if it just didn’t have enough money, then there can be no crime.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
If you are not a Virginia Resident, click here to find a lawyer near you.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
What is false information for a credit report?
People occasionally want to have information removed from their credit file, but are not sure exactly what is wrong. One of the key features of the Fair Credit Reporting Act is that to have a basis for a lawsuit, the information must be false. But what is false or inaccurate information?
False means intentionally not true, intended to mislead or adjusted to deceive.
Inaccurate means not correct or exact, or having a mistake or error.
Simply put, the information is false if it is objectively not true.
Objectively not true means that a person looking from the outside would say this information is a lie.
Like what?
- Debts that are not yours. This could be identity theft, or a mixed credit file.
- Late payments. This could be “late” payments on credit cards or “late” mortgage payments.
- Money that is owed, when there is a legal defense to the debt (like Bankruptcy).
- Changing the date of major delinquency, also known as date of last activity, like where they change when you were late.
- Showing that you are current on your mortgage when you do not have a mortgage.
Negative information has all the impact.
Negative information is more important to review than positive information. While positive information can affect you in more subtle ways (it shows that your debt to income ratio is off), but that is much easier to explain. The negative information – the lates, the defaults, the foreclosures and the repossessions- are much harder to explain away.
Not all negative information is false
Remember that just because information is negative does not mean that it should not be there. To have a right to sue, not only does the information have to be bad or negative, but false as well. Then you must go through the process of disputing the inaccurate information to the consumer credit reporting agencies. And it never hurts to send a copy of your dispute to the source of the inaccurate information.
It is important that when you dispute, that your dispute explains what is false and inaccurate about the information that you are disputing. You do not want to just say “there is false information on my credit file. Fix it.” There is no way that they know WHAT is false, much less why it might be false. You don’t want to just say “this judgment is false” you need to tell them the judgment is false because you are not the one who was sued. You need to say this is not my account because I did not open this account, and I never used any credit card from these people.
An example from a lawsuit we filed.
An example from a case I filed- There were 2 defaulted leases for credit card processing machines on my client’s credit file. There is only one problem- my client had never done business with this vendor. In fact, he had never been in business. He had never leased any equipment. Of course, they argued that somebody had defaulted. And I am sure that is true, it just wasn’t my client. It is false to say that my client defaulted on the equipment leases.
What happened, you might ask? We went through the process, and we sued the consumer credit reporting agencies. But how did it get there? We are still not sure. My job is not to find out why bad things happen, but to fix them when they do.
Image credit: Brad Gillette
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
NO FEE IN YOUR FCRA CASE UNLESS WE RECOVER!!
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers to enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
13 Collections Myths BUSTED
13 COLLECTION MYTHS BUSTED
Many people believe the common myths of collections. Most of them are myths that are as effective as an ostrich sticking its head in the sand. Don’t be an ostrich.
- 1. If I make a payment they will leave me alone.
FALSE. Usually, if you make a payment, it means that they know that you have some money, and will pay more. They will bother you more, not less.
- 2. If I make any payment at all, they cannot sue me.
FALSE. In fact, making a payment may restart an expired statute of limitations. You may make it so that if they could not sue before, they can sue now.
- 3. If I settle, it will improve my credit rating.
FALSE. If you make a payment, it may decrease your score, because there is now recent activity on a negative account. Eventually, the score may go back up, but for the short term, the score will be lower.
- 4. All debt collectors sue.
FALSE. Most debt collectors do not sue. Check to see if the debt collectors are located in your state of residence (we are talking about Virginia here), and if they are licensed as a lawyer there. If they are not licensed in your state, then they cannot sue, they cannot get a judgment, and they cannot attach your wages or bank account.
- 5. If I get sued, I can lose my house or my car.
USUALY FALSE. There are circumstances where people can lose their house or car, but those are relatively rare. Cars have an automatic exemption in Virginia for $6,000. Houses do not have an automatic exemption, but most homes do not have enough equity in them to be at risk.
- 6. If I get sued, my spouse’s wages can be garnished.
FALSE. Only you are responsible for the debts that you owe. Virginia is not a community property state, so spouses are only responsible for the debts that they sign for, or are for medically necessary expenses.
- 7. If I get sued, my spouse will be liable for my debts.
FALSE. Only you are responsible for the debts that you owe. Virginia is not a community property state, so spouses are only responsible for the debts that they sign for, or are for medically necessary expenses.
- 8. If I get sued and don’t go to court, they can’t get a judgment.
FALSE. You only are entitled to get notice and have a fair hearing. If you do not show up, then it is your problem.
- 9. If I move and don’t tell them, they can’t sue me.
FALSE. A creditor can sue and get a judgment based on service at an address you used to live at, if you do not keep them in the loop about where you live.
- 10.If they get a judgment, my entire wages can be attached.
FALSE. Under Federal law, your wages can only have 25% taken, except for certain debts, like taxes and child support.
- 11.If they get a judgment, they can take my social security money.
FALSE. Social Security Disability and Supplemental Security Income cannot be taken, even if it is in your Bank account. In fact, the Federal Regulations have been recently changed, and the bank must protect, automatically, 2 months of SSD or SSI benefits.
- 12.If I don’t pay, they can put me in jail.
FALSE. Almost all debts, including credit cards and payday loans, are civil matters, for which the failure to pay is not criminal. It is not fraud to fail to pay almost any debt. Of course, there are exceptions, for example, child support and taxes can put you in jail, and a payday loan taken on an account that was closed when you took out the loan.
- 13.If my car is repossessed, I don’t owe any more money.
FALSE. Under the laws of most states, you owe the difference between the balance of what was owed and the amount they got when they sold the car. Of course, there are some exceptions, and time limits.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Anti-Cramdown of Houses
The Bankruptcy code has another its own little “Hanging Chad” issue. This is the “anti-cram down” provision in Chapter 13 Bankruptcy.
We discussed what a “cram down” is in a prior blog entry. There is another piece to know. Houses generally cannot be crammed down. There are exceptions. Lets talk about the rules of cramming down a house.
In order to cram down a house, it must NOT be your primary residence, and you must be able to pay the value or balance (which ever is lower) over a period not to exceed 5 years.
First- the house cannot be your primary residence. A primary residence is where you live the majority of the time.
Second, you must be able to pay the balance or value over 5 years (60 months). Lets talk about “lower.” This means that the first thing to determine is which is lower, the balance or the value. Most people these days (since the real estate crash) have negative equity in their home. They owe more than the house is worth. In this case, the person would pay the value of the house. In some cases, the house has been owned for a long time. In those cases, the balance may be very low. In this case, the person would pay the balance.
The next concern is that the money must be paid over 60 months, 5 years. This means that you have to be able to afford the amount, including interest.
Lets talk about an example. My client owns a house in Southern Florida. The market in Florida crashed worse than most places in the US. The house was appraised at $35,000. The problem, of course, is that the balance was around $130,000. BUT, the client lives in Virginia. The client was able to re-value the loan and balance to about $35,000, and pay $35,000 over the life of the Bankruptcy, keeping the house, and reducing the amount to be paid. When the Bankruptcy ends, the house will belong to the client, having paid about a quarter of the loan balance.
Please remember that this is an exceptional circumstance, and that not all cases turn out this well.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
KCLS is a debt relief agency. We help people file for Bankruptcy protection.
If you are not a Virginia Resident, click here to find a lawyer near you.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd. Suite 102
Richmond, VA 23230
Wrong Party Collections
Debt collectors sometimes make mistakes. They contact people who don’t owe the money. Not that no one owes the money, but the person they are contacting does not owe the money. They are just simply calling the wrong person.
The Fair Debt Collection Practices Act has some things to say about this. First- tell the collector that you are not the person they are looking for. Give them the information so they can see it is true. Make them give you the last 4 digits of the person’s social security number, then give them the last 4 of yours. Why do you wait for them to give you the last 4? That ensures that they do not go about changing the system first. The last thing you need is them to make it look like you, as an “update”. You should be tracking the calls on your call log.
Once they know it is not yours, they should not be calling back. You can double check this, by sending the collector a letter, by certified mail, return receipt requested, in which they are instructed to cease communications with you. This letter is commonly called (incorrectly) a “cease and desist letter.” Right thought, wrong words. A sample letter can be found here. Make sure you track all the calls on your call log.
Once they are notified not to call you again, they are permitted no further contact. If they do contact you, you should immediately contact a lawyer to assist you.
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Joint Accounts and Garnishment
What happens when a creditor has a judgment and you have a joint bank account?
The creditor can issue a garnishment (seizure order) to the bank, and freeze all of the money. A separate notice is then sent to the other account holder. They then have the opportunity to come to court and claim that some or all of the money in the account is theirs.
In order to do so, they must come with 2 or 3 months of statements, and proof of the source of the deposits. For example, they need to bring pay advices showing that they are the one who deposited amount X on date Y.
If the joint account holder does not show up in court, the judgment creditor gets the benefit of the doubt, and gets all of the money.
One of the first things we always ask is how did the case get this far. Sometimes there are things we can do to alleviate the problem. Sometimes we will recommend Bankruptcy.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
DISCLOSURE: Pursuant to Federal law, KCLS is a debt relief agency. We help people, who need those services, to file for Bankruptcy, if there is no other option.
If you are not a Virginia Resident, click here to find a lawyer near you.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd. Suite 102
Richmond, VA 23230
Order of bill payment
Last time I talked about how to deal with collectors, and I mentioned an order of payment. Here is why the order is important. The order, from last time, is: 1- Food, 2- car and house payment, 3- Utilities, 4- Current bills, and 5- Luxury expenses.
The food always comes first in the order of payment. If there is no food, the reason for a house, a car, utilities, credit card payment, etc is pointless.
The house and car payments come next. It is much easier for a lawyer to fix the problem of unsecured debt (debt where there is no right to repossess a thing), than a secured debt. Your secured creditors are hard to solve, often requiring that you make deals to pay them much more than you ordinarily would. Unsecured creditors will often settle for pennies on the dollar, over long periods of time, because payments to them are so much more tenuous. You can have defenses, or file Bankruptcy, or just not pay, and there is often very little they can do.
The utilities and taxes come next. The utilities will cut you off, and the tax man will come get things, but neither of those things happens quickly.
Then comes the unsecured bills- the medical bills, the credit cards, etc. When they get paid it will be good enough.
Lastly comes the luxury expenses- vacation, jewelry, etc. If you are able to pay all of your other bills, then there may be money left in your budget for luxury goods and services. They are not things that you need, but might want. Instead of a vacation, try a stay-cation. You get the time off, but not the expense of travel. Instead of expensive jewelry, try costume jewelry. You get some of the look, but not the expense.
Consult a lawyer and maybe a financial planner. You need to know your rights, and how to get out of this mess. Above all, don’t play ostrich. Sticking your head in the sand and saying “I can’t see you” will not make the problem go away.
If you have been impacted by anything we mentioned here, please make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
How to Deal with Debt Collectors- What the Collectors Say
One of my friends is a debt collector, and I asked him what advice he would give to his mother for how to deal with a debt collector. Here is what he said. First, the best way is to never need to deal with them, by paying your bills, but if you are forced into a situation where you must, here is what you should do.
1. Talk with the collectors. Ostrich technique does not work with debt collectors, they tend to get more aggressive, and eventually sue. That first call or letter will not be the last if you don’t respond. Request verification of the debt. Start with making sure they are collecting an account that you owe. Dealing with a mistaken identity or ID theft is different from dealing with your own accounts. Verify the amounts they are requesting.
My comments: I agree, but with a variation. You should communicate in writing. It makes the record so much clearer.
2. There may be tax consequences if you settle a debt, rather than pay the full balance. Debt collectors cannot give tax advice, and if they write down the debt by more than $600, they are required to send a 1099 to the IRS, and you could pay taxes on the money.
My comments: Yes, that is true, but if you are going to compromise a debt, tax consequences should be discussed with the collector before the deal is inked. Some collectors have authority to discuss tax consequences, some do not. Be on the lookout for a 1099 for the entire balance, or the forgiven balance, as this is not correct. You should not pay taxes on the interest, only the principal. Consult a tax professional for the details on that.
3. If you have problems, complain to the Federal Trade Commission customer service hotline.
My comment: And the Attorney General of the US, the Attorney General of your state, and you should find a lawyer who deals in collection abuse, like us.
4. Request a supervisor. If you are trying to pay, but the collector on the phone cannot make the deal you can afford, request a supervisor, who may be able to make a better deal.
My comment: If you cannot make a deal pretty quickly on the phone, you should not be talking to them on the phone. It is pretty rare that a supervisor can make a deal that a line collector cannot, and they often are just another line collector on the phone anyway. Better to send them a letter that says that you request no more phone calls, and that all communications should be in writing. Better still is a letter telling them to communicate with your lawyer.
If you have been impacted by anything we mentioned here, please make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Forgot to list your Personal Injury Claim in your Bankruptcy?
There is a recent Virginia Supreme Court opinion that says that the ability to bring a lawsuit, “standing”, must be in existence at the time the lawsuit is filed. In Kocher v. Campbell, the plaintiff had been in a car wreck in 2004, filed Bankruptcy in 2005, and not listed the asset of the potential personal injury claim in his Bankruptcy. He eventually voluntarily dismissed the lawsuit, then reopened his Bankruptcy to show the asset of the personal injury claim. Before the trustee abandoned the PI claim (personal injury money is exempt in Virginia pursuant to Virginia code 34-28.1), the plaintiff filed suit again. However, because he still did not have the right to bring the claim (because the trustee had not abandoned the claim) he was not the right party—he did not have “standing”. The Virginia Supreme Court ruled that the lawsuit, when brought by someone who does not have the right to bring a lawsuit- because they are not the right party- the lawsuit is a legal nullity—it does not exist. You can read about the case here.
What is the lesson we should learn from this? That EVERYTHING that you MIGHT have a right to—car accidents proceeds, inheritance, wrongful death proceeds, ANYTHING, must be disclosed to your lawyer when you are filing for Bankruptcy. This plaintiff lost the right to get anything out of that lawsuit because he did not have the right to bring it.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
If you are not a Virginia Resident, click here to find a lawyer near you.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd. Suite 102
Richmond, VA 23230
Tax Return ID Theft
The Fair Credit Reporting Act is designed to protect consumers from inaccurate or outdated information on credit reports. But there is a more insidious problem looming.
Tax Return ID Theft is on the rise. Yahoo News has a story about how it is getting bigger.
Tax Return ID Theft is when someone else uses your social security number and other personal identifiers to work or obtain other government benefits. Usually this is done by an illegal alien, who needs your personal information to give to an employer so they can work.
To combat this growing scourge, it is important for you to safeguard your information and documents. Just as the advertisements suggest, you should destroy documents with your full social security number rather than just throw them away. You are even better protected by not disposing of them at all.
If you are the victim of tax return fraud, you should contact the IRS, and send in a Tax Form 14039, a tax ID theft Affidavit. This will help some in your efforts to control the damage.
But you should also be checking your credit file. Identity thieves rarely limit themselves to just your work records. You should be ordering your consumer disclosures from the 3 national credit reporting agencies. You can do this by mail, or phone. Download the form for requesting your credit report by mail, or call the central number for ordering by phone- 877-322-8228.
NO FEE IN YOUR FCRA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230