Entries by Hays Lawson

New News (to me anyway)

Here are some recent stories I found interesting that intersect with practice: ID Theft is on the Rise The FTC received 490,000 Identity Theft complaints in 2015. This represents a “47 percent increase over the prior year, and the Department of Justice estimates that 17.6 million Americans were victims of identity theft in 2014.” College […]

Has Unifund Garnished you? We can help you fight back.

Has Unifund CCR Partners or First Resolution Investment Corporation (“FRIC”)[1] garnished your wages or bank account? If so, chances are very good that Unifund has taken money from you that it has no legal right to recover from you. We can help you get that money back in addition to up to $1,000.00 in statutory damages. Unifund […]

Are Judgments or Tax Liens Hurting your Credit Score?

Judgments and tax liens on your credit report are some of the worst negative items on your credit report. “It’s estimated that each judgment and collection account entry can reduce a FICO score from 15 to 40 points. The severest detrimental effects come from entries that involve public records, such as judgments, and information from […]

PRA Garnishing your pay or your bank account?

Has Portfolio Recovery Associates, LLC (“PRA”) garnished your wages or bank account? If so, chances are very good that PRA has taken money from you that it has no legal right to recover from you. We can help you get that money back in addition to up to $1,000.00 in statutory damages. PRA is the second biggest, […]

LVNV Funding, LLC Garnishing your pay or your bank account?

Has LVNV Funding, LLC garnished your wages or bank account? If so, chances are very good that LVNV Funding has taken money from you that it has no legal right to recover from you. We can help you get that money back in addition to up to $1,000.00 in statutory damages. LVNV Funding is a third-party “debt […]

Midland Funding Garnishing your Pay or Bank Account?

Has Midland Funding, LLC garnished your wages or bank account? If so, chances are very good that Midland has taken money from you that it has no legal right to recover from you. We can help you get that money back in addition to up to $1,000.00 in statutory damages. Midland Funding, LLC is a […]

Free Credit Report Review

We help fix credit report errors. We are not a credit repair agency. Rather, our free credit report review is designed to locate actual errors on your credit report and to offer proven solutions as to how to correct these errors. In particular, with your help, we review credit reports for errors resulting from: ID […]

Tips for Increasing your Credit Score

These tips for increasing your credit score are provided for information purposes only and is not intended to be legal advice. Why your Credit Score is Important Your credit scores determine whether you can finance a car or a house, get an apartment and possibly whether you will be hired for your next job. If you […]

Medical Debt vs. Credit Card Debt: Which is Worse?

Our friends at Nerd Wallet have a nice article weighing the negativities of cred card debt to medical debt against each other. The article notes that credit card debt is more predictable and negotiable, at least as to rates. These observations relate to the fact that you are in control of incurring credit card and […]