How to Get a Lawyer for Credit Repair

Attorneys may help you settle your debts.

If you have bad credit and are receiving collection notices or court subpoenas regarding your debts, it may be in your best interest to contact an attorney to help you settle your debts and get your credit back on track. Attorneys can advise you on your legal rights regarding your debts, assist you in challenging erroneous entries on your credit report, and represent you in court if a creditor attempts to garnish your wages or place a lien on your property, explains Lawyers.com.

Instructions

1. Locate a lawyer who is licensed in your state. Begin your search for a lawyer by narrowing your scope to only those attorneys who are admitted to the bar in your state of residence.

2. Choose a lawyer in specialized practice. Although general practice lawyers may be able to help you repair your credit, consider working with a bankruptcy attorney or debt-credit lawyer. These attorneys have specialized knowledge of the creditor/debtor relationship and have experience negotiating with banks and collection agencies.

3. Schedule an initial consultation. Before paying an attorney or signing a retainer agreement, meet with the lawyer to discuss his fees, policies and experience helping clients repair their credit.

4. Ask about your lawyer to explain what role she will play in repairing your credit. Although a lawyer can advise you of your rights, assist you in negotiating debt settlements and prepare correspondence that will ultimately help you raise your credit score, lawyers cannot repair your credit, explains the National Consumer Law Center. Before retaining a lawyer for credit repair, ask her to clarify her role in the process so that you know what services she offers.

5. Provide copies of the documents related to your credit. Give your lawyer copies of all correspondence you receive from creditors, a copy of your credit report and copies of your most recent income tax return and pay stubs. This will ensure that your lawyer has a clear picture of your financial situation.

Tips & Warnings

• If your attorney encourages you to challenge valid debts or promotes any activities that appear to be unethical, contact your state's bar association.

References

• Lawyers.com: Avoiding Credit Repair Scams
• National Consume Law Center: The Truth About Credit Reports And Credit Repair Companies

Resources

• Lawyers.com: Selecting A Debt Credit Lawyer