Identity Theft

Identity theft, and the resulting problems with credit agencies and credit reports is reported to be the number one problem facing consumers.  If you have problems in these areas we can help you understand the system and work out a plan to correct errors, fix mistakes and recover your identity.

Neighborhood Law Office also assists in helping YOU repair your credit.  "Credit Repair Agencies" or those who advertise those services are often unscrupulous and cost far more than they provide.  In some cases, they actually can do more harm to your credit that you can!

We are NOT a credit repair agency.  We are a law firm.  We can help you understand how the credit reporting system works, what about your current situation is causing the harm to your credit, and help you help yourself by providing you with the forms, letters and understanding to begin the work of fixing your credit.  There is no "magic bullet" and anyone, including those jokers on the radio, who promise instant fixes are not being truthful with you.

We encourage you to visit the Federal Trade Commission's website concerning credit repair.  It is athttp://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm.  The Federal Trade Commission has warned the public: 

"You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services. They all make the same claims:

               “Credit problems? No problem!”

               “We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

               “We can erase your bad credit — 100% guaranteed.”

               “Create a new credit identity — legally.”

The Federal Trade Commission (FTC) says do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the nation’s consumer protection agency say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan."

To that we can only add our own favorite, the claim that you can "establish your business credit with a Nevada corporation."  There's nothing wrong with a Nevada corporation -- if you really can use one.  Most people have no such need.  But we believe that there is nothing that a Nevada corporation will do to magically create business (or any other kind) of credit for you.

We are doing our part to assist you, by living up to our commitment to provide Legal Services At A Price You can Afford!™