Credit Disputes And Bankruptcy

CREDIT DISPUTES

We assist debtors in disputes with MORTGAGES and DEBT COLLECTORS

  • Debt Relief 1
  • Debt Collectors
  • Credit Card Disputes
  • Credit Report Rrrors
  • Unauthorized Bank and Credit Card Charges
  • Credit Reporting Errors
  • Mortgage and Payment Rrrors
  • Car Title Loans, PayDay Loans
  • Truth in Lending

Mortgages
bankruptcy attorney servicesA lender or mortgage servicer must respond to a written dispute concerning payments, placed insurance, or the reason for adding charges and fees. RESPA, 12 CFR 2601, provides certain remedies for failing to respond to a Qulaified Written Request.  Put your dispute in writing and save a copy.

Credit Card Billing
CC billing statements always have a separate address for written payment disputes (See 15 USC 1649).  Put your dispute in writing and save a copy.

Debt Collectors
The federal Fair Debt Collection Act (15 USC 1692) and the SC Consumer Protection Code (SC Code 37-5-108) set out a framework for what and how debt collectors can do in collecting a debt.  Keep a log of the time and date and person making a telephone call, what threats are made.  Send written disputes as to the nature or amount of the debt, and keep a copy.

There has been a rise in attempts to collect “stale debt,” that is, debt that is beyond three years from last payment.  This debt may be time barred (statute of limitations (SC Code 15-3-530).  Payment of any amount, for any purpose, to a creditor or debt collector may defeat your statute of limitation protection.  Check your credit report.  Write a dispute letter to the credit reporting bureau and to the named Creditor.  Dispute the debt, and any entries on the credit report that shows the account is “active” or payment made if not true.

Truth in Lending
SC Code 37-2-301, 37-3-301, and 15 USC 1601 sets out various disclosures required by a lender before loaning money. 

BANKRUPTCY

This firm is a federally designated Debt Relief Agency under the United States Bankruptcy Laws, 11 USC §101. We only represent consumer debtors. Consumer debtors generally file a Chapter 7 or a Chapter 13 bankruptcy. A Chapter 7 allows you to discharge your debts, and the process takes approximately 90 days.

A Chapter 13 establishes a Plan payment to a trustee, and requires between 36 and 60 months.  A Chapter 13 allows homeowners to bring mortgages and car payments current if you are facing foreclosure or a repossession.  A Chapter 13 also discharges certain debts.

Bankruptcy does not discharge certain debts related to federal taxes or student loans.

Bankruptcy has many opportunities to restructure your debt.

We will review your debt issues, and will discuss the bankruptcy options and other options in the event bankruptcy is not a solution.

Before we can discuss any matters pertaining to bankruptcy, we must provide you certain disclosures pursuant to 11 USC §527.


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This firm is a federally designated Debt Relief Agency under the United States Bankruptcy Laws, 11 USC §101.

 

Information contained on this website is for informational purposes only and does not constitute legal advice. Nothing contained herein should be construed to create an attorney-client relationship between Alford & Hart, LLC and any website visitor. Submission of information to Alford & Hart, LLC through this website will not create an attorney-client relationship between a website visitor and Alford & Hart, LLC.

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The Law Offices of David C. Alford, P.C.
160 Hidden Hill Rd., Spartanburg, SC 29301
864-574-0870

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Contact Information

The Law Offices of Alford & Hart, P.C.


160 Hidden Hill Road
Spartanburg, SC 29301

Phone: 864-574-0870
Email: visitor@alfordlaw.com