Our firm provides services to clients in the area of consumer law, particularly dealing with consumer credit issues. There are various laws which have been enacted to protect the rights of consumers in this area. Some of the more common areas our firm deals with are as follows:
Fair Credit Reporting
Pursuant to Federal Law, all credit reporting agencies must ensure fair and accurate reporting of your credit information. Further, any entity furnishing information to the credit reporting agencies has a duty to furnish only fair and accurate information about you. Oftentimes, the credit reporting agencies and the furnishers of information report inaccurate information which adversely affects your credit history. This can prevent you from obtaining credit or increase the cost of credit to you. Our firm can assist you with problems you might have with your credit report.
Fair Debt Collection
Pursuant to Texas and Federal Law, there are certain restrictions on the manner in which a creditor or its debt collectors can undertake to collect a debt. These laws are frequently violated by overzealous debt collectors. Our firm represents consumers who have had their rights violated by debt collectors. If you believe that a debt collector or creditor has acted unreasonably in its efforts to collect its debt, please contact our office for a consultation.
Credit Issues
Mr. Hervol represents clients in connection with credit reporting errors and disputes. Pursuant to the Fair Credit Reporting Act, all credit reporting agencies are required to ensure fair and accurate reporting of credit transactions. Oftentimes, there are errors on your credit reports which need to be corrected. All negative credit information adversely affects your credit score. In turn, your credit score greatly affects your financial health, as it determines the costs at which you can obtain credit, and even the insurance rates that you will pay. Therefore, it is very important that you maintain control of and ensure the accurate reporting of your credit. If you believe that a credit reporting agency is not accurately reporting information about your credit transactions, or if you have been damaged by a creditor which is not reporting accurate information about you to a credit bureau, contact Mr. Hervol at (210) 522-9500 for an initial consultation.
Some of the more common types of cases involving the Fair Credit Reporting Act include:
(1). Impermissible access to credit reports (your report is pulled by someone without your permission or for a purpose not authorized by law)
(2). Failure to delete or correct erroneous credit information following a dispute by the consumer
(3). Reinsertion claims - erroneous information previously deleted from your credit report reappears
(4). Date of last activity issues, where a collector or debt buyer changes the date of last activity on an account in an attempt to keep the adverse account on your credit report longer than what is allowed by law
(5). Arbitrary reporting - listing the same derogatory accounts multiple times, or listing certain information about the accounts in an inaccurate manner to adversely effect the consumer’s credit score
(6). Mixed file cases - the credit reporting agency has mixed your information with that of another consumer
(7). Identity theft cases - accounts listed on your report are not yours, or where opened by someone using your identity
(8). Authorized user cases - adverse credit information of a primary account holder is placed on the report of an authorized user, even though that individual has no liability on the account.