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Our Mission
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Do you have over $25,000 in credit card debt? Are you receiving harassing collection calls and letters? Are you looking for a solution? Don't make a decision about your future until you educate yourself about the laws that protect you. Watch our video and learn how to take action against debt collectors.
Are you willing to learn and participate in a process that uses the law to bring your credit card debt to ZERO? Our process will help you turn those illegal, harassing debt-collection calls into a ZERO balance. The credit card banks have used the law to enslave you in debt! The credit card banks can increase your interest rate, minimum payment, late charges and over limit fees without any consent or your agreement or prior notice to you. As well, they have even been able to get the government to exclude credit card debt from being discharged in bankruptcy. Our coalition uses a proprietary system that utilizes Federal Law to:
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Three Phases
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The Credit Card Rights Coalition consists of the following three phases, each with its own distinct purpose. We use a combination of laws including, but not limited to the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Billing Act (FCBA) and any State Unfair and Deceptive Acts and Practices (UDAP) laws that support and help bolster our arguments. Phase One- Credit Restoration begins as soon you enter our program and your paperwork has been processed and continues for 24 months. Our experience has been that the majority of negatives will be removed from a typical customer's credit reports within the first 3 to 4 months of this process, but we will continue to challenge unverified information and monitor all customers’ credit reports for a full 24 months. Phase Two- Validation and Reconciliation also begins as soon as your paperwork is processed. The purpose of this phase is to create an administrative record and establish as much information as possible as to the ownership and validity of the alleged debt. The process works through two levels.
Phase Three- Federal Lawsuit begins at the completion of Phase Two. In Phase Three, our paralegals conduct a compliance audit of each account of each customer. They then use their completed audits to compose a solid Federal Complaint, which is then sent on to one of our Credit Card Rights Coalition attorneys for filing in Federal Court, who handles this matter from here. Our experience has been that these cases rarely go to trial and settle over the phone usually within 1 to 2 months after the suit has been filed. At this point, the 3PDC (third party debt collector) will usually cancel the debt to a zero balance, report to the credit bureaus that your account was paid as agreed and agree not to issue a 1099 to the Internal Revenue Service. Once the process is completed, your credit card debt could be reduced to zero and your credit rating score raised by the deletion of negative reports.
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Contact Information |
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Our program is a process not an event. This program has been successful for over four years helping thousands of Americans just like yourself get out of debt and restore their lives. Contact us, and let us help you.
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