How can I Repair Errors on my Credit Report? Credit Repair After Bankruptcy Working with Creditors Avoiding Financial Mistakes Steps to Take to get out of Debt Mortgage Refinancing What is Credit Counseling? Avoiding Credit Repair Scams After Bankruptcy Hiring an Attorney to Help Repair Credit Life After Bankruptcy Start Fresh with Bankruptcy

Hiring an Attorney to Help Repair Credit

Gavel on CashIf you are a victim of identity theft (see What is Identity Theft?) or have recently declared bankruptcy, you may want to consider hiring an attorney to help repair your credit. Recovering from identity theft or bankruptcy can be a long, difficult and expensive process and hiring an attorney that is familiar with your state’s laws regarding identity theft and bankruptcy may ease the burden of repairing your credit on your own.

While it is not essential to hire an attorney to repair your credit, there are some reasons why you may want to consider an attorney’s expertise. One reason you may want to hire an attorney to help repair your credit is if you are already looking for a credit repair agency. While there are reputable credit repair agencies out there, many of these organizations prey on the misfortune of others promising services that they legally cannot provide (see Avoid Credit Repair Scams After Bankruptcy). By hiring an attorney to help with your credit repair, you may avoid being taken advantage of by unscrupulous credit repair agencies.

Another reason you may want to hire an attorney to help repair your credit is if you have limited time and have been frustrated by your own attempts to repair your credit. Credit repair can be a lengthy process and you may have to fight with consumer reporting agencies or information providers to get inaccurate credit information removed from your credit report. If you lack the time required to do this, it may be a good idea to hire an attorney to help you repair your credit.

Additionally, you may want to hire an attorney if you have been taken advantage of by a credit repair agency or if you need help dealing with collection agencies. An attorney with experience in credit repair should be able to advise you of your rights and help you proceed with any necessary legal action.

An attorney may also be able to help you develop a plan to live within your means and lead you down the road to financial freedom. If you hire an attorney, he or she should be able to discuss a variety of options you have available to you and help you develop a plan that meets your needs.

If you are planning on hiring an attorney to help repair your credit, it is important that you hire someone with experience handling consumer credit repair. You may want to ask how many individuals they’ve represented in the past month and how they measure their success in helping people repair their credit. It is also important that you ask about all fees and services upfront so that you know what your attorney will try to do for you and how much you will be paying for his or her services.

Life after bankruptcy or identity theft can be very difficult as you try to repair your credit and move on in life. If you have tried to repair your credit on your own and are facing seemingly insurmountable resistance, an attorney may be the ally you need to get you through these difficult times.