We hope the articles below help you understand your rights as a consumer. You can scroll through the titles, or sort by Practice Area or Topic. You can also use the search feature to locate information by keyword.
Flitter Milz represents people with a variety of problems involving consumer credit and collections. If you have a particular question or believe your consumer rights have been violated, Contact Us for a no cost consultation.
Credit report errors happen more often than most of us would like to think. The Consumer Financial Protection Bureau has listed credit report errors as one of the top complaints filed. Believe it or not, one out of every 20 of us have errors on one of our three major credit reports.
Continue reading How can a Credit Report Lawyer help me? →
Taking out a loan can help you build your credit. But remember, to get that benefit, loans must be paid back in full and on time, and according to the terms of the loan agreement. When these terms are not met, the lender can take steps to repossess collateral and collect any money that is owed. As a result, the defaulted loan can be listed negatively on credit reports and lower your credit scores.
Let’s take a closer look at how this all works.
Continue reading How Will Borrowing Money Affect My Credit? →
Borrowers facing repossession may contact the police to have an officer on hand when it’s time to surrender their vehicle. As well, the repo agent may request the presence of law enforcement. But can police assist with the car repossession?
Read on to learn more about the role of law enforcement in the process of repossessing a car, truck, motorcycle, RV or boat.
Continue reading Can the Police Help with My Car Repossession? →
It’s not enough stress to have your car repossessed, but the consequences — collection contact and negative credit reporting — can be too much to bear.
Car repossessions carry negative weight to a credit report for 7 ½ years from the date it was first reported as late by the lender. Credit scores may drop and your ability to get new credit, and credit with favorable terms, may diminish.
In this blog, we’d like to take a closer look at how long a repossession remains on your credit report and what you can do to correct credit reporting errors.
Continue reading How Long Does it take for a Repossession to come off your Credit Report? →
October 26, 2020 marks the 50th anniversary of one of the most important pieces of consumer protection legislation in the country’s history: The Fair Credit Reporting Act.
The Fair Credit Reporting Act, or FCRA, is a federal law governing how consumer credit information can be used and distributed. It gives consumers the right to see what’s on their credit reports and dispute errors and inaccurate information.
Continue reading What is the Fair Credit Reporting Act? →
Just as a yearly check-up with your doctor is good for your physical health, taking an annual look at your credit report is good for your financial well-being.
Consumers are entitled to receive one free copy of their credit report every 12 months from each of the three main consumer reporting agencies – – Equifax, Experian and TransUnion.
Continue reading How to Get a Copy of Your Credit Report →
It’s something that’s drilled into our heads over and over: You must maintain a good credit score.
But sometimes errors can pop up on our credit reports through no fault of our own. When that happens, it’s important to take steps to fix these errors as soon as possible.
In this blog post, we’ll explore how to do that using the example of one of the three main credit reporting services, Experian. Here’s how to deal with an Experian dispute.
Continue reading How to Deal with an Experian Dispute →
It’s a frightening thought: Money has gotten so tight that you weren’t able to make this month’s payment on your car loan.
Now, you’re worried about car repossession, and imagining the day when a tow truck comes to your house and hauls away your only source of transportation.
But can the lender repossess your car after a single missed payment?
Continue reading Will My Car Be Repossessed If I Miss One Payment? →
Perhaps the worst thing about having your car repossessed is that even after your vehicle is gone, the lender may not be done with you.
In some cases, lenders hire collectors or file lawsuits against borrowers to recoup what they’re owed. In this blog post, we’ll look at steps lenders may take after repossessing a car.
Continue reading The Lender Sold My Repossessed Car. Why am I being sued? →
Credit reports must be kept accurate because they affect so many aspects of our lives. Yet errors on credit reports are common. The Federal Trade Commission has conducted studies that show errors may continue to appear on a credit report, even after they’ve been disputed.
Continue reading What is a Credit Dispute Letter? →
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