Bankruptcy Reporting Error Lawyer

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Bankruptcy can help people get rid of debt but may leave them with the worry of what to do about getting their credit back after filing. A bankruptcy filing can have a terrible impact on a person’s credit report. The ability to get post bankruptcy credit or renegotiate the terms of any bankruptcy discharge can be significantly hampered.

However, you can have bankruptcy removed from your credit report if your circumstances allow it. Generally, with time, bankruptcy will be eliminated from your report, but in other circumstances, you might need to take more proactive steps. One such measure is engaging the services of a bankruptcy reporting error lawyer in Mississippi.

At Ware Law Firm, we can help you dispute inaccurate information and take your life back. Call today for a free consultation.

Credit Report Errors are More Common Than You Think

Credit errors are nothing to be embarrassed about. In reality, mistakes on credit reports are common. According to a 2013 Federal Trade Commission research, 13% of consumers had inaccuracies that impacted their credit scores, while 5% of consumers had substantial problems resulting in credit denial or higher credit costs. About 21% of individuals had confirmed credit reporting errors.

FCRA Regulations Hold Credit Reporting Agencies Responsible for Credit Reporting Errors

Federal legislation known as the Fair Credit Reporting Act (FCRA) was created to guarantee that customers receive fair treatment regarding their credit reports. Under the FCRA, consumers have specific rights.

Information from the past might not be reported. Specifically, a credit reporting agency typically cannot include negative information older than seven years and ten years for bankruptcies. It can be definitively said that a bankruptcy filing should not still be reflected on your credit report if ten years have elapsed. Don’t delay contacting a bankruptcy reporting error lawyer in Mississippi if bankruptcy is being erroneously reflected on your credit reports. We’ll handle the credit bureau for you.

Retain a Bankruptcy Reporting Error Lawyer Help to Rebuild Your Credit

The two basic types of bankruptcy are Chapter 7 bankruptcy, a liquidation plan, and Chapter 13 bankruptcy, which gives a payment schedule lasting between 3-5 years.

Only one of two options—filing a dispute with the credit reporting agencies or waiting for the bankruptcy to disappear from your report after seven (if Chapter 13 bankruptcy) to ten years (if Chapter 7 bankruptcy)—will get a bankruptcy off your credit report. Unless you can demonstrate that some component of the bankruptcy is recorded improperly in your credit report, you will need to wait for it to disappear if it is a valid bankruptcy that cannot be challenged.

We at the Ware Law Firm can help file a dispute by submitting a letter and supporting documentation to the credit bureaus (Equifax, Experian, or TransUnion) with the credit report errors.

Ware Law Firm: Trusted Bankruptcy Reporting Error Lawyers

If you believe that a previously filed bankruptcy is being erroneously reflected on your credit report, contact the Ware Law Firm soon as you can. Your ability to continue your life is at stake, and one chapter should not permanently affect your ability to do so.

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Unsure What Comes Next…

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What Our Clients Say
Christopher Graves
I think reviews from consumer are important; yet, reviews from other attorneys are just as important, in my opinion. Lawyers know the level of integrity, skill, and value-added of their colleagues. With that being said, Daniel Ware can be summed up in sentence: Daniel Ware is your favorite lawyer's favorite lawyer. If I had a civil, criminal, or bankruptcy matter, Daniel would the lawyer I would call.
Kelvin Beverly
Mr. Ware is a very dependable and committed lawyer. He kept me in the loop of what was going on and most importantly he never stopped fighting for my case. That old saying 'He was A-1 from Day-1." Thanks Mr Ware.
Jennifer Bennett
Daniel Ware is an amazing lawyer; very professional and committed. This has been stated over and over again in the reviews. However, he's more than that. Intelligent, compassionate and empathetic you can trust your concerns will be handled. I could go on, but the fact is I'd trust no one else for my affairs. The Ware Law Firm is all I needed.

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103 3rd Street NW Magee, MS 39111
(601) 439-7079
403 Towne Center Boulevard Building 403C Ridgeland, MS 39157
(601) 439-7079