Your Debt Options, Legal Rights & Free e Book by Lawyer

People ask ReCredit team members what they should about their debt, what ReCredit can do about their debt and what their options are to get rid of it, consolidate it, reduce the amount of it, the interest rates and the payments.

Generally, people have options that are based on their budget, tolerance, health, employment, ability/willingness to do the work/put in the hours/have the mindset to earn extra income (in addition to their regular source of income/career/job). The goal of this article is to give you the awareness, information, education and guidance to help you make the best decision for you, your family, and anybody else involved in your debt/credit matters.

This free e book (free download as a pdf or read it online) may be the most comprehensive tool available to you for information on almost every type of situation related to most types of debt. It was written by a highly rated lawyer, who specializes in helping consumers identify and receive awards/money for violations committed by debt buyers/collectors and consumer reporting agencies, debt defense, foreclosure defense, and bankruptcy.

ReCredit  has a knowledge base or library of information categorized with specific articles related to various topics including many on debt.

The America BAR Association (of lawyers) offers free legal help for some people in certain circumstances.

Please read this if you’re looking for general answers about your options.

Please read this if you’re looking for general answers about comparing shopping for most types of loans including but not limited to credit card consolidation, vehicle/auto, mortgage, etc.

Please read this if you’re looking for answers about anything related to student loans.

Please read this if you’re looking for answers about anything related to taxes.

Please look at this Youtube channel if you’re dealing with legal matters, lawsuits or being threatened or contacted by debt buyers/collectors or original creditors. This is the most comprehensive free collection of debt/legal information available in video/audio form that we have seen.

Please click on this link for a list of lawyers who may be able to help you. We cannot guarantee, endorse or tell whether or not the lawyers on the list will be able to help you. They’re on the list because they may specialize in debt/credit matters and appear to have high reviews. Please be aware that there are two tabs at the bottom of the list. The tab on the right is for lawyers who specialize in bankruptcy. The tab on the left is a list of lawyers who may focus on debt defense/Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), and or Fair Credit Reporting Act (FCRA). Often debt buyers do not have adequate proof that they own your debt, and cannot obtain such proof from your original creditor to satisfy a court. Sometimes your best defense is a good offense. It may be  where you’re running away from the ghosts, but you may be able go eat the ghosts if you have the power pellet (if they violated state and or federal consumer protection laws).

Courts have ruled that debt buyers are down the line junk peddlers without enough (or any) account level documentation, which is what would be necessary for their claim to stand up / for them to prevail in court. This means that they can’t beat you in court, should you decide to hire a lawyer to represent you or defend yourself. Many lawyers may take on the case with $0 up front cost to you. They may get paid by the violators, which are either the debt collectors/buyers and or the consumer reporting agencies. Please let us know how it goes after you speak with the lawyer(s). We want to make sure that we keep an up to date list of lawyers who are highly rated for people, who may benefit from this knowledge / area of expertise after you.