Month: June 2018

Defending Collection and Foreclosure Suits

Posted on by John W. Gibson

Are you being foreclosed upon? Threatened with a wage garnishment? Are you sure you owe the money creditors are trying to collect? Are you being harassed by your creditors at home or at work?

Attorney John W. Gibson has over 25 years of experience defending clients throughout the Pittsburgh metro and surrounding areas in collection and foreclosure suits.

Ideally, it is advisable to contact us before a suit is initiated, as you may have more options available, including options outside of bankruptcy*. We offer a free phone consultation to discuss your issues and how we can help you. We offer the highest level of personal service, from an experienced attorney who is nonjudgmental. Our goal is to get you back in a position where you have breathing room and can once again enjoy your life.

For information about our qualifications and our service, please visit our Firm Overview page.

You May Not Owe Those Debts
In Pennsylvania, there is a four-year statute of limitations governing the collection of your debts. Unfortunately, many creditors or companies who purchase bad debt continue to threaten you or attempt to collect the debt. If you are being harassed over an old debt, contact us; we can assist you in determining if your debt is collectible and, if not, we can take steps to stop any collection and harassment regarding that debt.

Fair Debt Collection Practices Act – FDCPA
The Fair Debt Collection Practices Act (FDCPA) and the state equivalent (the Fair Credit Extension Uniformity Act (FCEUA)) govern the conduct of debt collectors and unfair debt collection practices. If you are being constantly harassed, or if debt collectors are threatening you with jail or talking to your work associates or neighbors, they may be violating one of these laws. Learn your rights.

View More

Credit Repair Lawyer

Posted on by John W. Gibson

Is your credit report accurate? Have you been discharged from bankruptcy and still see debts showing up on your credit report? Do you need help negotiating the amount or terms of your debts? Questions about credit after bankruptcy?

Your credit score can be harmed by errors in your credit report. The major credit reporting agencies (Equifax, Experian, and Trans Union) are obligated to provide requesting companies an accurate credit report.

Unfortunately, some creditors or debt purchasers will park your debt during bankruptcy* and then attempt collection after the debt is discharged. When that happens, we can help.

Attorney John W. Gibson has been assisting clients with their credit repair issues since 1980. Please visit our Firm Overview page for information about us, our qualifications, and our service.

What Should I Do About Credit Reporting Errors?
You should request a copy of your credit report, which can be obtained for free by visiting annualcreditreport.com. If you completed a bankruptcy, complied with the settlement terms of any agreement outside of bankruptcy, or otherwise paid off your debts, then your credit report should indicate a zero balance next to that or those creditor(s).

If your credit report indicates an error or errors, you should send a dispute letter with proof that the debt was discharged. We can assist you in reviewing your debts to determine which are collectible, and also assist you with drafting the dispute letter, if necessary.

If the credit bureau does not correct your credit report, we can file a lawsuit compelling them to make the corrections and to request compensation under the Fair Credit Reporting Act (FCRA).

View More