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CREDIT JUSTICE 

CREDIT CORRECTIONS & DEBT WAIVERS 

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Do you qualify for a debt waiver?

Northcross Legal can help you determine whether you have credit errors or unlawful collections that could result in you receiving monetary damages, debt waivers, and/or deletions from your credit reports. This means you may receive:

  • payment for your loss of credit and emotional distress;

  • freedom from being responsible for paying a debt; and

  • removals for inaccurate information on your credit.​

Unlawful Debt Collection

There are state and federal laws in place to protect consumers from abusive debt collection practices. Debt collectors cannot harass consumers or refuse to provide consumers with accurate, transparent information regarding debts. Amongst other things, debt collectors are prohibited from:​

  • Calling consumers before 8 a.m. or after 9 p.m.

  • Repeatedly calling consumers to annoy them

  • Contacting consumers at their job, after being asked not to

  • Contacting consumers’ family, friends, or acquaintances

  • Making false statements about who they are

  • Misrepresent the amount of debts

  • Threatening arrest, violence, or harm

  • Using obscene language

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To learn more, read FAQ.

Credit Report Errors

Your credit report can impact your quality of life. Credit reports can influence the type of house, car, and sometimes job you qualify for. So, it’s great that there are federal laws in place to protect consumers, like you, from inaccurate and unfair consumer reporting. Common credit reporting errors include:​​

  • Account does not belong to consumer

  • Account resulted from identity theft

  • Inaccurate account payment history

  • Inaccurate account status

  • Outdated account information

  • Reported as deceased

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To learn more, read FAQ.

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