Debt Relief Services

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Debt Invalidation Program:

If you owe on a debt that is in collections with a third-party, no matter whether or not you actually owe the money, you should not pay a penny until the debt collector proves your debt is valid.  Why pay if the third-party collector might not even be able to show they have the legal right to collect from you?  After all, if they can’t prove they have the right, you may legally have the right not to pay

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The 5 Laws that Allow You to Invalidate Your Debts Legally

Debt Invalidation is not a program. but instead a process that uses Federal and State consumer laws to make sure third-party debt collectors do not take advantage of you when collecting. Debt collectors often violate laws when attempting to collect, so our job is to protect your rights and to ensure you do not pay any debt that is not valid. If your debts are not proven to be valid, you will legally not have to pay - regardless of whether or not you owe the money.

Many debt collectors demand payment and using intimidating tactics as most individuals do not know their rights. When you hire Dramer Law, you will be well informed of the laws written to protect you and will have a team of debt lawyers and certified debt specialists that will look after your rights to ensure no debt collectors take advantage of you.

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Fair Debt Collections Practices Act (FDCPA)

The FDCPA protects you from debt collectors that use abusive, deceptive or unfair practices. This is the primary law relating to Debt Validation.

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The Fair Credit Reporting Act (FCRA)

The FCRA protects you from the entry of inaccurate information on your credit report. This law is crucial when removing invalidated accounts from your credit.

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The Truth In Lending Act (TILA)

The TILA protects you from mistakes when an original creditor or third- party collector demands an inaccurate amount, allowing you to dispute transactions and balances allegedly owed.

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The Fair Credit Billing Act (FCBA)

The Fair Credit Billing Act is an amendment to the Truth in Lending Act. It is part of the federal consumer protection law that protects you when billing errors occur.

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The Credit Card Act ot 2009

The Credit Card Act of 2009 protects you from excessive interest rates, unfair interest rate hikes, and penalty fees.