Protect Your Fresh Start

Creditors may not be reporting your bankruptcy properly!

  Let Us Help You Protect Your Legal Rights After Bankruptcy.

No up front fees or expenses. We get paid from what we collect from your creditors!

Call us now at 972-960-2240 or email us at info@mancheelawfirm.com.

Your right to fair credit reporting in Texas is protected by state and federal statutes and the common law:

Fair Credit Reporting Act (FCRA ) *** Bankruptcy Discharge Injunction *** Fair Debt Collection Act (FDCPA)

Unreasonable Collections  ***   Defamation/libel **** Texas Finance Code *** Texas Fair Debt Collection Act

Unfortunately we've found creditors and credit reporting agencies don't always obey the law and properly report a person's credit.  This is particularly true for those who have filed bankruptcy.

Over the years we discovered that creditors often fail to properly report the bankruptcy discharge on credit reports. You may have already discovered this problem if you went to buy a house, a car, or to rent an apartment after receiving your bankruptcy discharge.

After researching the problem and learning that almost every discharged debtor has this problem, we have decided to provide a free credit report review to those who have obtained a bankruptcy discharge. Our objective is to determine whether any former creditors are violating the Fair Credit Reporting Act, the bankruptcy discharge, and other applicable state and federal statutes or the common law.

If we find that any of the creditors that were included in your bankruptcy have failed to report that the debt was discharged, we will assist you in preparing a letter to appropriate credit reporting agencies notifying them of the errors. In the event that they fail or refuse to correct the error, you may be entitled to statutory damages of $100.00 to $1000.00 for each creditor in violation of the Fair Credit Reporting Act. If your creditors fail to correctly report the discharge, we can handle the case on a contingency fee basis which means you owe us nothing unless we recover money for you from your creditors. 

When a creditor fails to properly report that your debts have been discharged in bankruptcy, it can cause you to have a much lower credit score than if the debts were properly noted as discharged. When this is not corrected, you may have to pay a much higher interest rate when you buy items on credit such as a car or a new house. This can cost you thousands of dollars on a car loan and tens of thousands of dollars when you buy a house. Sometimes these errors can cause a credit application to be denied simply because your credit report still says that you owe the debts which were discharged.

One of the reasons you filed bankruptcy in the first place was to obtain a fresh start. When your credit report is inaccurate you are denied the full benefits of the bankruptcy discharge.

We can pull your credit reports when you come in for your free credit report review, or you can obtain a free copy of your credit report from each of the three major credit bureaus through the website www.annualcreditreport.com. Congress ordered the credit bureaus to allow everyone one free credit report from each of the three credit bureaus per year.

Please contact our office to arrange your free credit report review. It is well worth the time to find out whether or not your credit report is accurate. If your creditors are failing to report the bankruptcy discharge properly, we can help you. Best of all, your creditors will have to pay our attorneys fees for solving the problem and may have to pay you damages if they have violated the law.

Our number is (972) 960-2240. Feel free to contact me with any questions that you may have. Thank you.

Fair Credit Reporting Act (FCRA)

The purpose of the Fair Credit Reporting Act (FCRA) is set forth in the act as follows:

1681. Congressional findings and statement of purpose [FCRA § 602]

(a) Accuracy and fairness of credit reporting

The Congress makes the following findings:
(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
(2) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers.
(3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
(4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.
 

(b) Reasonable procedures

It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Make sure you get the full benefit of this important law!