How We Challenge Invalid Debt
Discovery
During the initial review phase, our team analyzes your credit reports and contacts creditors and credit bureaus to question the accuracy of the accounts reported. We request proper validation and initiate targeted investigations to determine whether the debt is legally enforceable and correctly documented.
Dispute
If discrepancies or violations appear, we demand supporting documentation from creditors and collectors to prove their claim, its accuracy, and their legal authority to collect. Our attorneys evaluate every piece of evidence and design a customized strategy to challenge the debt and expose regulatory violations.
Defend
When creditors push back or escalate collection activity, we step in to protect you. Using federal consumer protection laws — including the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) — we take action against unlawful behavior and hold collectors accountable for improper reporting, harassment, or lack of proof
Resolve
Our goal is to eliminate invalid debt claims and correct your credit report. Once inaccuracies are proven or the debt is invalidated, we work with the credit bureaus to remove or update the account. This ensures your credit file reflects the truth — giving you a stronger financial foundation moving forward.
