What We Can Do For You

                                                       Our Services

                   Debt Validation - How It Works

Debt Resolution, also known as Debt Validation, refers to a consumer’s right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer’s rights under the United States Federal Fair Debt Collection Practices Act (FDCPA). Upon disputing this debt, if the creditor cannot verify the debt, then they cannot collect on the debt.

Your case manager will request original financial documents for all debts belonging to a particular client. If there is no ownership evidence linking the debts to a particular client, then those debts are invalidated. Therefore, those debts are invalid, and the client is protected under debt collection laws. 

Debt Validation has quickly become one of the leading ways in America to eliminate debt and the burden of financial stress.

                                     Laws We Use

The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.

Federal Fair Credit Reporting Act

Also known as Credit Bureaus or CRA, the Federal Fair Credit Reporting Act empowers the customers to review their credit report. For instance, in case a customer finds that his/her credit report is outdated, he/she can raise this issue and get the report reviewed and corrected. This law has been included to keep a check on the accuracy in keeping a record of the customer’s private information.

Credit Card Act Of 2009

Passed by President Barack Obama in 2009, the Credit Card Act of 2009 establishes transparent and fair credit practices. Also known as the Accountability, Responsibility and Disclosure Act.

Right To Financial Privacy Act

This law protects the confidentiality of every consumer’s individual monetary records. According to this law, consumers are entitled to bank records.

Unfair And Deceptive Practices Act

Under the Federal Trade Commission Act (FTC Act), all the people associated with debt (debtor, debt collector and the creditor) are prohibited to use or indulge in any kind deceptive or unfair activities for the sake of collecting the debt amount.

Truth In Lending Act

This federal law has been designed to encourage the educated usage of credit by consumers. The Truth in Lending Act (TILA) enables the consumer to calculate the borrowed amount and its interest in a standardized manner.

Equal Credit Opportunity Act

This law forbids all kinds of discriminations in extending credit on various grounds, such as marital status, sex, national origin, race, color and age.

Federal Fair Credit Billing Act

Under this law, every creditor is required to disclose the identity of the person or organization to which the credit is to be offered prior to the completion of the process.