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Member
Posts: 7
Registered: ‎04-29-2011
0

Pay service/lawyer that can help me wrangle everything?

Hello.  I wanted to know if there is a lawyer or a professional that I can pay to help me wrangle all my bills together and set up paying them back.

 

It is daunting the amount of work I have to do.  I just didn't know if anyone offers service like that.  I'd be willing to pay a lawyer or whoever.

 

Does this typer of service exist?

 

Thanks!  :smileyhappy:

Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
0

Re: Pay service/lawyer that can help me wrangle everything?


jarablue wrote:

Hello.  I wanted to know if there is a lawyer or a professional that I can pay to help me wrangle all my bills together and set up paying them back.

 

It is daunting the amount of work I have to do.  I just didn't know if anyone offers service like that.  I'd be willing to pay a lawyer or whoever.

 

Does this typer of service exist?

 

Thanks!  :smileyhappy:


Your two best choices:

 

1.  Learn how to do it yourself.  

 

2. Contact nfcc.org if you can't.

 

If you pull your own credit reports through annualcreditreport.com, study up here, and learn how to dig yourself out, you'll be in much better shape and less likely to go south again.  If your income is too low to dig out, NFCC is a non-profit free program that can help you.

 

Most other options are just parasites.  They will take your money and make things worse.

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Member
Posts: 7
Registered: ‎04-29-2011
0

Re: Pay service/lawyer that can help me wrangle everything?

Ok I don't mind doing it.  One of the questions I have is what do I do if I have a charge off on my reports?  Is it worth paying on that?

 

What is the best route to go with them?

Moderator
Posts: 13,869
Registered: ‎04-15-2011
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Re: Pay service/lawyer that can help me wrangle everything?

Jump over on the Rebuilding your credit boards and post some specifics on the CO. 



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Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
0

Re: Pay service/lawyer that can help me wrangle everything?

+1 on going to the rebuilding forums.  

 

Pretty much anything but perfect payment history and low utilization on your report will hit your score.  Start by addressing the most recent items, and work your way back to the older ones.  Anythng whowing a balance comes first, and using PFD or DV processes will help you clear them.  If you have old, 0 bal charge-offs, how recent they are determines their priority.  Again, the threads in the rebuilding forum can show you how to start.

 

Most of us started where you are, and learned what to do.  IMHO, services that do the work for you rarely have your self-interests in mind.  You can do it on your own.

 

Good luck!

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Epic Contributor
Posts: 20,539
Registered: ‎03-19-2007
0

Re: Pay service/lawyer that can help me wrangle everything?

With respect to using any credit repair organization, my recommendation would be to first determine if you have any inaccurcies in credit reporting that you wish to dispute as part of your rebuilding effort.

 

For numerous reasons, I strongly recommend the use of the direct dispute process as opposed to disputing through a CRA.

Credit repair organizations are specifically precluded under both statute and implementing regulation from even assisting the consumer in the preparation of direct disputes, let alone actually filing one in their behalf.  If that is part of your plan, then they might be an incumbrance rather than an asset.

 

 

Frequent Contributor
Posts: 384
Registered: ‎12-10-2012
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Re: Pay service/lawyer that can help me wrangle everything?

Read as much as you can here and all of your questions will be answered.  These forums really do have a ton of great info.  And yea do it yourself.

 

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