CREDIT REPORTING DISPUTES

GANDY  LAW  OFFICES,  P.C.  also  represents  clients  who  have filed bankruptcy through our firm in connection with credit reporting errors and  disputes after their bankruptcy case is completed. Under 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 after   your   bankruptcy  case  is  completed.  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.

The fresh start you obtained through a bankruptcy filing   should  not  be  impaired  by  an  incorrect  credit  report. 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  after your bankruptcy, or if you have been damaged by a creditor that is not reporting accurate information about you  to  a  credit  bureau,  then  you may contact our office at (888) 874-0289 for an initial consolation with Attorney Gandy.


DEBT COLLECTION DISPUTES

GANDY  LAW  OFFICES,  P.C.  also  represents  clients  who  have filed bankruptcy through the firm and have had their rights violated by debt collectors before, during, and after their bankruptcy case. Under Iowa and  Federal  Law,  there  are  definite restrictions on the manner in which  a  creditor  or  its debt collectors can undertake to collect a debt.  Sometimes  before,  during, and after a bankruptcy filing these laws  are  violated by over aggressive 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. "