The Owens Law Firm is committed to excellence in the representation of our clients. We continually strive to provide the highest level of legal representation at a fair and affordable price.
The Firm handles matters throughout the Dallas and Collin counties and the surrounding areas. The majority of our practice is dedicated to representing consumers sued by credit cards and debt collectors. We also assist clients with credit correction. While we do not provide credit repair services we are happy to assist you in anayzing your report and giving advice for fashioning more successful disputes.
Our specialty is handling complex credit issues like post bankruptcy credit reporting and identity theft.
We also offer an express service for getting credit issues resolved quickly. You probably already know the traditional method of disputing information on your credit report involves going through credit reporting agencies and creditors. After the credit repair agency gets your dispute it will pass it on to your creditor. By law, the creditor has 30 - 45 days to review your dispute and respond. Additionally, if the information is changed it can take another 30+ days for the correction to be reflected on your credit report. (Note: Oftentimes the creditor responds by saying the information has been "verified" and nothing else. At that point, you have to file a second dispute.) A typical situation looks like this: clients are set to close on their dream home in 3 weeks. Then lender checks their credit the last time before closing and he discovers a collection for a credit card issued by X Bank. The problem: clients have never had a credit card with X Bank. If you handle this through the traditional route it could take 60-90 days to get that incorrect information off your report. If you are in that situation, please call and find out if we can help.
We also sue credit reporting agencies and creditors. The Fair Credit Reporting
Act requires credit reporting agencies to conduct a reasonable investigation of the disputes they receive. Our experience is that little research, if any, is ever conducted prior to issuing a response claiming the information disputed has been "verified." However, you know the information does not belong to you and you want it off your report. What are your options? File more disputes. If you find yourself unsuccessful after several attempts, you may need to file a lawsuit.
For more information on any section of our practice, please click the appropriate section above.
