Difficulty paying your mortgage?  Need a loan modification so you can stay in your home?

Are your mortgage payments too high?  Have you suffered a reduction in income in your household?  You are not alone. The nation is experiencing a historic housing and economic crisis.  Homeowners are upside down on their mortgages without the ability to maintain their monthly mortgage payments.

We can assist you with obtaining a loan modification of your mortgage so you can save your home.  Click here for more information on mortgage loan modifications.

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Sued on a zombie debt or old credit card debt by a creditor or debt collector?

Just because a creditor or debt collector sues you does not mean that they are automatically entitled to a judgment.  They still have to prove their case. Even though you know the facts of your case best, you are no match for the crowded courtroom and the experienced lawyer representing the creditor or collection agency.

We can help you if you are currently being sued for old credit card debt.  Click here for more information on lawsuits by creditors or debt collectors.

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Denied a credit card, mortgage or car loan due to errors on your credit report? 

Each year, thousands of consumers are turned down for credit cards, mortgages, and auto loans due to inaccurate information in their credit reports. You have the right to view your credit report and know what information is contained therein.  You can dispute information that is wrong or outdated and have it removed from your report.

If your credit report has an error, we can assist you in correcting your credit report.  Click here for more information on correcting your credit report.

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Have you been a victim of identity theft?

More than 27 million Americans have been victims of identity theft in the last five years.   Last year’s identity theft losses to consumer victims was reportedly $5 billion in out-of-pocket expenses.

To identity theft victims, the task of correcting inaccurate information about their financial status and trying to restore their good names may seem as daunting as trying to solve a puzzle in which some of the pieces are missing and other pieces no longer fit.  Unfortunately, the damage that criminals do in stealing another person's identity and using it to commit fraud often takes far longer to undo than it took the criminals to commit the crime. 

We can help identity theft victims protect their rights while reclaiming their good name.  Click here for more information on how to recover from identity theft.

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In a dispute with your credit card company?

We can help you try and correct billing errors with your credit card companies.  Click here for more information on resolving a dispute with a credit card company.

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Noticed unauthorized transactions in your bank account?

If you’ve notified your bank of unauthorized banking transactions, your financial institution must investigate and promptly correct any unauthorized transactions that you report.  The Electronic Funds Transfer Act (EFTA) covers various unauthorized electronic transfers processed through a person's checking account.

We can help you try and regain any funds withdrawn from your account without your consent.  Click here for more information about resolving problems with a bank account.

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If you have experienced any of these problems, please contact the Valentine Legal Group.