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There are many consumers today who have, at one time or another, been the victims or subjects of negative credit information. Questions about services offered, or if assistance is needed, please write or call us today!Д¬ONSUMER LEGAL ASSISTANCE SERVICESFINANCIAL SERVICE CENTER Clients are helped to recognize and battle the illegal debt collection practices of collection agencies, the Internal Revenue Service, and are shown an alternative to bankruptcy.ДЇor those individuals who have had credit problems, information assistance is provided for help in restoring a good credit report that makes the consumers aware of what their rights are under the Fair Credit Reporting Act and followвЂ‘up with credit bureaus. Consumer complaints are investigated and helpassistance is offered in filing those complaints in filing them with the proper consumer agencies is given.ДЄn area of special expertise is aiding consumers in DebtorвЂ‘Creditor Law, and Credit Repair. J&K PARALEGAL AND TAX SERVICESFinancial and Tax Services operates in partnership with Consumer Legal Assistance Services in the are of Tax Law and Income Tax Preparation.ДЄs a DOCUMENT PREPARATION SERVICE CENTER, helping attorneys and the public directly in a number of areas, the consumer is assisted by providing legal support and information on: Simple Wills, LandlordвЂ‘Tenant, Power of Attorney, Divorce, Lease Agreements, Living Together Agreements, Simple Trust, Incorporations, Guardianships, Credit Consulting, Small Claims Assistance, ProcessвЂ‘Serving and Tax Matters PreparationConsultations.Д¬onsumers can avoid the high cost of attorney fees by assisting in the preparation and filing of those documents that can be done without an attorney. There are two primary areas in which consumers are assisted to help them save money.

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It is also a legal information center providing forms, information, and services to consumers, helping them to understand what their consumer rights are under consumer protection laws, and how to assert them. SECTION SIX Fair Debt Collection Practices ActД¬ONSUMER LEGAL ASSISTANCE SERVICESFINANCIAL SERVICE CENTER is a selfвЂ‘help document preparation assistance service in which consumer documents are prepared and filed without the high cost of attorney fees.

SAMPLE Domestic Mail Return Receipt (FRONT).SAMPLE Domestic Mail Return Receipt (BACK).Sample Certified Mail Return Request and Credit Report SECTION FOUR Sample Letters and Form Letters Resident Banks Offering Secured Credit Cards.What Debt Collectors Don't Want You To Know.LVL 3 = Misrepresenting that a Claim Has or Will Be Transferred To an Attorney or Separate Legal Department.LVL 3 = Misrepresenting Adverse Impact of Nonpayment On Credit Worthiness.LVL 3 = Contacting or Threatening to Contact Third Parties Prohibited.LVL 3 = Deceptive for Dunning Letters To Appear To Be Telegrams.LVL 3 = An Employee of a Collector Must Disclose His Identity.LVL 3 = Telephone Calls Which Harass, Annoy or Abuse.LVL 3 = Advertising a Debt for Sale TTo Force Payment.Publication of Lists of Alleged Defaulted Debtors.Collection Agencies and Debt Collection Practices.When a Negative Entry Belongs To a Former Spouse. When a Negative Entry Doesn't Belong To You When a Creditor Requests Deletion of a Negative Statement Non Verifiable Entries That Are Partially Correct What Can Be Removed From My Credit Report?

If you have a specific legal problem, it is highly recommended that you seek the advice of an attorney. This book is solely intended to provide information in areas of common interest to the general public, and to provide a better insight to some options that may be available. This book is limited in scope and does not in any way attempt to disseminate legal advice. I am not an attorney and do not give legal advice. Library of Congress Number: (forthcoming)Д¬over Design By: Angie Johnson Art Productions

No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of John Carter, 105 5th Avenue West, Benkelman, Nebraska 69021 Ccredit Rrepair and Ddebt Ccollection PpracticesДAGEFORDE PUBLISHER = Dageforde PublishingД¬opyright 1995, 2000 by John M.

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