Credit Reporting

Credit reports and scores play a fundamental role in modern American life. Having good credit can mean the difference between living in your dream house or in an endless financial nightmare. Regardless of how bad your credit currently is, discipline and hard work can build it back up.

But what about when your credit is being unfairly impacted? Stale debts, improperly inflated balances, identity theft, and unauthorized credit pulls are just a few of the many ways that your credit can be improperly tarnished. Negative information on your credit reports can prevent you from buying a house, obtaining good rates for insurance, opening new lines of credit, or even getting a job or security clearance! Unfortunately, credit reporting agencies and the creditors who report information to them do not always play by the rules. All too often, these companies misreport information, making debts appear larger or more recent, or even reporting accounts that don't belong to you at all.

The Fair Credit Reporting Act, 15 U.S.C. 1681, requires these comapnies to enact procedures to ensure that your credit reports are accurate. If you feel that your rights have been violated by an unscrupulous company reporting misinformation to your credit report, we can help! Our experienced staff will help you navigate the process the right way. You may even receive compensation for the trouble you have experienced.

Debt Collection Abuse

Debt collection is a multi-billion dollar industry, best known for its strong-arm tactics. Congress, along with many states, including Florida, have enacted laws to protect consumers from unfair practices and abusive conduct. Seraph Legal can help you when dealing with collection agencies that are violating your rights. If your rights have been violated, your debt collectors may even end up paying you money!

Debt collection comes in many forms. Letters, emails, calls, texts, and credit reporting are all common tools used by companies to motivate payment. When these forms of communication are inappropriately used by the original company, debt buyer, or debt collector, it can cause stress, anxiety, embarrassment and depression. Do not feel hopeless; seek our help.

High-Interest Lending

A number of companies target Florida consumers with high-interest forms of credit. This type of predatory lending, commonly known as "loansharking," has long been outlawed in Florida. These loansharks can leave you trapped in a cycle of high-interest rate loans or credit cards, with no end in sight. Our firm focuses on battling these predatory lenders and "flipping the script," often recovering damages for unlawful amounts paid by our clients and defeating the feeling of hopelessness this type of lending causes.

Bankruptcy

Are you considering bankruptcy? Are you curious about what bankruptcy entails? Is it the right move for you at this time? We can answer these questions and guide you through the process. Many clients considering bankruptcy have been able to avoid the process entirely by using our firm's ability to negotiate and litigate against creditors, debt collectors, and credit reporting agencies. Even if bankruptcy is your best option, we can help ensure that the fresh start bankruptcy provides is honored by the various companies in the debt and credit industries.