Uncategorized Archives | Arizona Credit Lawyers
Warning: A non-numeric value encountered in /srv/users/azcreditlawyers-com/apps/azcreditlawyers-com/public/wp-content/themes/Divi-2/functions.php on line 5607

Get Answers to your questions about credit repair, student loans and debt collection harassment NOW!!!!

Today, there is no need to wait for answers to your credit questions.  Talk to a credit repair lawyer, now!  Our law firm, Credit Repair Lawyers of America, has just released our app called Edit Your Credit.  Its now available in the Google Play Store and in the Apple app store.  Here is what it can do for you: Text Attorney Gary Nitzkin now… Do you want to talk to an attorney right now to see if you have a credit case, a debt collection harassment case or need help with your student loans? With Edit Your Credit, you can text Attorney Gary Nitzkin right now and get a quick response.  No need for a call back or to wait. Send an email to our Intake Department.   Already have a case with us? We will give you an update on your matter quickly.   Do I have a Credit Case? Tell us about your credit issues.  We will contact you quickly to discuss your credit issues, student loan questions or debt collection harassment problems.  We will advise you, for free,  what you can and should do to improve your credit report and credit standing.  The consultation is free. Send us your credit reports for us to review, for free.  We will review them quickly and advise you as to what actions we can take for you, to improve your credit report and credit standing.  If we find and error or mistake on your credit report, we will ask your permission to dispute that item for you, all at no charge to you. Call the office.  Don’t have our phone...

Top 4 Benefits of Hiring a Credit Lawyer

According to the FTC, it is estimated that millions of Americans have mistakes on their credit report, such as errors or unfair negative reporting. Even before the recent economic uncertainty, families across the country were struggling with credit issues. These errors taint your credit score, which has an impact on your interest rates, payment terms, and the ability to access credit when needed. In most cases, it’s your responsibility to contact the credit bureaus to correct these errors, but most consumers don’t know the right process to eliminate the mistakes. Depending on your situation, the process could take months (or even years!) to clear your credit report of the errors. Instead of navigating the confusing industry alone, it might be time to hire a credit lawyer. What is a Credit Lawyer? A credit lawyer is an attorney who specializes in credit repair services. The time and effort required to repair your credit can be both challenging and difficult, which is why a DIY approach isn’t an option for most people. In many cases, professional legal services are needed. These services are focused on removing errors and eliminating negative items from your credit file. For example, a credit lawyer can help with issues such as a track record of debt collections, missed payments, tax liens, repossessions, and more. Benefits of Hiring a Credit Lawyer If you want to turn your credit score around, then hiring a credit lawyer is the first step to get back on track. Here are some of the many benefits you can expect from these services: Review of Your Credit Report: This process begins with a...

Top 5 ways to Handle Credit Issues During COVID-19 in Arizona

This week, 5.245 million new jobless claims were filed in the United States, which means that 22 million people have lost their jobs in the past month. In a few weeks, the unemployment rate has skyrocketed to nearly 18% due to the economic fallout of the COVID-19 pandemic. Arizona is no exception.  With so many people out of work, the current circumstances will have a domino effect as individuals and businesses are struggling to stay current with payments. When the paychecks stop, credit issues start piling up. 5 Tips for Minimizing the Impact of Credit Issues More than ever, it is essential for consumers to be proactive in protecting their finances during the Coronavirus pandemic. These economic conditions will affect the financial situation of countless Americans, but you can be proactive in mitigating the overall impact these credit issues have on your family. Here are a few tips to help in your time of need: Avoid Late Payments if Possible: Even if cash flow is tight, do everything you can to at least make the minimum debt payments on your outstanding balances. You might not be in a position to make much progress on debt paydown, but it is important to stay current with the minimums as much as possible. Talk to Your Lenders: Many lenders and financial institutions have policies in place to support customers during the COVID-19 pandemic. It is best to be proactive in exploring your options before you miss a payment. Call your lender to discuss hardship options, such as a temporary reduction in interest rates or payment amounts. Some lenders are offering forbearance or...

How to know when you have been screwed out of that loan payment deferral promised to you by your lender

COVID 19 has affected everyone, including your creditors.  However, many lenders, to be nice or to maintain good public relations, have offered to defer your mortgage payments or credit card debts, due to them from consumers such as you, for several months.  While they may avoid dunning you for your payment for the next several months, you must know effect this should have on your credit report. If your lender agrees to defer your payments…. You should review your credit report, ideally, every month, to make sure that your lender follows through on its promise.  If it does, its trade line on each of your credit reports to which it reports, should reflect: Monthly payment – $0 Status – Current Past due balance – $0 If any of these fields, on a deferred balance is reporting anything different, then you have been screwed by your lender.  Prospective creditors do not mind deferred payments.  They do mind past due balances and current statues that are late.  Moreover, a creditor reporting a monthly payment due when you are in deferral is patently lying to prospective creditors about what you owe at that time.  If you are in a deferral with your lender, you owe no monthly payment. Yes…..even the big banks and credit reporting agencies get it wrong. If you have never had trouble with your bank or a credit reporting agency, then you have not crossed over onto the dark side.  We are a credit repair law firm and we have literally seen thousands and thousands of credit reports that have been improperly damaged by large banks and creditors and...
Are Retailers Like Curacao Helpful or Harmful to Arizona Consumer Credit Scores?

Are Retailers Like Curacao Helpful or Harmful to Arizona Consumer Credit Scores?

If you live in the Phoenix, Arizona area, you’re probably familiar with a retail chain called Curacao. This company offers furniture, household appliances, computers, jewelry, and a host of other items. If you’re new to Curacao, the first thing you’ll notice is that the retailer strongly encourages their customers to sign up for its branded credit card. A quick glance through the company’s website makes it clear that most of the Arizona consumers who shop with Curacao do so with credit. It’s also obvious this retail chain largely caters to the Hispanic community. On the Curacao website, most items that are over $50 have a “per month” price listed below the buying price. Shoppers can purchase big ticket items by making small monthly payments over time. Retailers like Curacao give Arizona consumers the opportunity to buy products that they are not able to afford outright. However, the stores also enable customers to build debt, default on payments, and eventually ruin their credit scores. Are the potential opportunities worth the risks? How Arizona Consumers Can Benefit from Using a Curacao Credit Card to Pay for Big Ticket Items over Time First, skeptical Arizonians realize that, if managed properly, credit cards can be used to build good credit scores. The Curacao credit card is fairly easy to obtain (even for consumers with less than perfect credit). Yet, those with bad credit who still qualify for Curacao credit may get a 35% APR. Credit cards issued to applicants with good credit come with a 20% interest rate. Higher credit card interest rates aren’t a problem if you pay off balances in full...
How Your Credit Report Can be Damaged Without Your Knowledge

How Your Credit Report Can be Damaged Without Your Knowledge

Credit Reporting Agency Errors Credit reporting agencies are also capable of making mistakes that can harm a person’s credit. Such mistakes are made when the reporting agency retrieves the wrong information and passes it on to a lender. For instance, the lending institution may request information on a John Smith who lives in Los Angeles, California, but the reporting agency may accidentally deliver information about a John Smith who lives in New York City. Therefore, the person may subsequently be turned down for a loan or other financial arrangement based on the wrong information. If you suspect that your rights have been violated or that you are a victim of a credit error, Arizona Credit Lawyers can help. Contact us without delay to minimize your damages and prevent future problems. Published By: Arizona Credit Lawyers – Gary Nitzkin 3260 N. Hayden Road, Suite 210 Scottsdale, AZ 85251 Phone: 480-771-6001 / 480-771-6001 Email: info@azcreditlawyers.com Website:...