“Fix Your Credit Now With Professional Help From Lexington Law”

Don’t Sit By While Debt Collectors from United Recovery Systems Destroy Your Good Credit.

Has your credit been trashed by debt collectors? Maybe you made some poor financial decisions along the way, or maybe an unexpected medical bill or other expense set you on the long, messy road to ruined credit. Maybe the debt in question is expired or totally inaccurate, and you don’t even owe it in the first place!

The good news is, regardless of where your debt came from, you don’t necessarily have to just live with it until it expires and falls off of your credit report. Instead, you can reach out the professionals at Lexington Law for help disputing your debt and repairing your credit. Trust me, I know all about this. I experienced bad credit and credit repair first hand, and I know that calling Lexington Law is the best move you can make right now.

For me, the troubles started during a period when I was unemployed. I had been laid off from work very suddenly, at a time when I had a whole bunch of outstanding bills. I didn’t even have any savings to fall back on, because my wife’s recent hospital stay had already wiped those out.

I immediately began looking for work, but time passed and I didn’t find anything. Meanwhile, the debts just kept piling up. I had to put a lot of everyday expenses on my credit card, because I just didn’t have the cash to buy necessities like food and gas.

After a while, my creditors began selling off my debts to various collection agencies. My credit card debts were particularly troublesome, and they were sold to United Recovery Systems. I knew this because someone from United Recovery Systems would call me on the phone every evening, just about suppertime. It was very rude and disruptive. I hated spending even a single moment of my evening family time on the phone with a debt collector.

At first I tried to build up some rapport with the agent from United Recovery Systems. I thought maybe if I explained my situation, he would understand that powers beyond my control had led to my financial nightmare. I hoped to convince him to cut me some slack, and give me a little more time to find a new job.

No such luck. The only thing my debt collector was interested in discussing was payment plans. I realized it was a waste of time to talk to him about anything else. After all, debt collectors are professionals. They’ve heard all the sad stories before, and it’s impossible to get them to sympathize with you over your particular story. Debt collectors work on commission, and they just want you to pay so they can get paid. It’s as simple as that.

Since talking to the United Recovery Systems rep wasn’t getting me anywhere, I stopped answering the phone entirely. I also started throwing out all the mail I received from United Recovery Systems and other debt collection companies.

I continued to look for work. One day, after an especially promising initial interview, a potential employer mentioned that before we scheduled a second interview, he would like to run a credit check on me. I felt my heart leap up into my throat when I heard that. I didn’t know what my credit score was, but I knew it couldn’t be good. I hadn’t even thought about the consequences my financial situation might have for my job hunt.

I rushed home and ordered a copy of my credit report. What I saw shocked me. It wasn’t the low score that surprised me–I had plenty of debts so I’d expected to see a low score. It was the line items on the report that confused, shocked, and scared me. In addition to several collection items, including one from United Recovery Systems, I saw something called a credit judgment.

What the heck was a credit judgment? I looked it up and found out that a credit judgment, or civil judgment, is a court ruling declaring that you owe your debt. At first I couldn’t understand how a debt collector had managed to take me to court without my knowledge. Then I remembered the piles of mail I’d been throwing away. Maybe the summons had been lost in one of those piles.

The more I learned about credit judgments, the more uneasy I felt. Once a debt collector secures a credit judgment against you, your credit score can drop as much as 250 points! Plus, a credit judgment paves the way for the debt collector to take other legal actions such as seizing your assets and auctioning them off to pay your debt. They could also place a lien on your home or car, or even garnish your wages.

Needless to say, I didn’t get a call back for that second job interview. I wasn’t upset about it though. In fact, I was grateful, because thanks to that interview, I reviewed my credit report and finally woke up to the fact that I was in serious trouble.

I knew I needed help. I had to get my credit repaired before I could get a good job, and I had to get a good job before I could start paying off my debts. I hardly knew where to begin!

After doing some research, I found a credit repair service called Lexington Law. I was really impressed by all the client testimonials I read, and I began to feel hopeful that Lexington law could help me just like they’d helped all of their other clients.

I called for my free consultation with Lexington Law, and spoke with a friendly, professional agent about my situation. She answered all of my questions, and was sympathetic without seeming to pity me or judge me for my financial troubles. That was a very welcome change from the cold, unresponsive, rude United Recovery Systems representatives I’d dealt with previously.

For the first time, I actually enjoyed talking about my credit situation, because the Lexington Law rep made me feel so positive and hopeful about it.

She said that Lexington Law would do a few things for me right off the bat. First, they would use debt validation and a statute of limitations investigation to make sure I really did owe the debts that had been reported to the credit bureaus. Then, they would carefully review my credit history to make sure everything on my credit report was accurate. If anything had been reported inaccurately, it could easily be removed under the Fair Credit Reporting Act. Next, Lexington Law would make sure United Recovery Systems had complied with the stipulations of the Fair Debt Collection Practices Act in all of their dealings with me. Also, they would investigate the circumstances of the case that led to the credit judgment and make United Recovery Systems prove that they had properly served me the papers for that case.

It all sounded great, so I happily hired Lexington Law. As soon as I hung up the phone, I felt like a heavy load had just been lifted off of my shoulders. I knew that the phone calls were going to stop, and my credit was going to be repaired. With two fewer things to worry about, I would be free to focus on my job search again.

Within a month or so, Lexington Law delivered on their promises. I got notices from the credit bureaus (which I READ this time) stating that the United Recovery Systems collection item AND the credit judgment had been removed from my credit history! With those items gone, my credit score rebounded several hundred points over the next few months. Lexington Law kept on working for me, and succeeded in getting a few other collection items removed as well.

I couldn’t have been happier with the results I got from Lexington Law. It was such a relief to have good credit again! The next time a potential employer pulled my credit history, they wouldn’t see anything wrong.

Shortly after Lexington Law repaired my credit, I found a new job that actually pays much better than my old one. I’m so happy with the way things turned out, and I owe it all to Lexington Law.