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11 Jul, 2022 by Anthony
Mike Ziegler and his team are simply awesome! I was sued by a debt collector and didn't really know what to do. The first two lawyers I reached out to were "too busy to take on the case" but I finally made contact with Ziegler Diamond on the morning of my court appearance. He took over everything right away and went to court for me about 45 minutes after taking the case. In the end, he settled the debt for half of the total cost which is exactly what I asked for. I couldn't be more satisfied! I'm extremely impressed with the outcome and would definitely hire Ziegler Diamond again. I highly recommend Mike Ziegler and his firm for any debt or bankruptcy needs. The entire team is extremely professional and they will work on your behalf for the best resolution.
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24 Feb, 2022 by Anonymous
I hired this firm to handle a debt harassment case and they were able to help me out and take care of everything. Very nice, helpful group who answer all your questions and actually care about their clients!
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08 Dec, 2021 by Glen
My attorney is extremely helpful, patient, and reassuring. They really do everything possible to be helpful. I would highly recommend this Law Firm
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08 Sep, 2023 by Bobby
I'm glad I made the decision to hire Kaelyn. Between Kaelyn, Nathalie, and Crystal they have handled every aspect of this entire process of CH. 13 so much easier than I thought. After notifying my creditors of their representation in my case I was still contacted by some of the creditors, and they fought for my settlements against them for contacting me and have received some settlement checks already in my favor. Wonderful job and they really make the process as easy for you as possible. Would definitely recommend
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05 Oct, 2021 by Adam
Kaelyn Diamond is an excellent attorney and one I would recommend to anybody in financial distress. She personally responds when I have questions, and is very reasonable and empathetic when issues arise. A huge thank you to her, and the whole team at Ziegler Diamond Law!
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22 Sep, 2021 by Ray
The right attorney does make a difference. Right from the beginning we could tell Ms. Diamond was going to take care of this problem. After asking us just a few questions, she knew exactly what was wrong and she knew just how to proceed. She always answered all our questions patiently and completely and without making us feel like we were dumb or wasting her time. She and her staff kept us informed all along the way. We have been stressing over this situation for years but after finding Kaelyn Diamond, Esq. and Ziegler Diamond Law/Debtfighters, it was taken care of in just a few short months. If you want an attorney who cares and really knows what they are doing, then you need Kaelyn Diamond, Esq.
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24 Jun, 2024 by Sven t
DINA is a fantastic Attorney. She setup all the paperwork for LLC and lease for my rental property. Very thorough. She was there to answer all my questions in a helpful and professional manner. I enjoyed the interaction while putting together this project. I shall consult Dina for all my future legal matters.
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24 Jun, 2024 by Jessica bartolini
Unfortunately, I had a bad experience. The initial consultation with Mrs. McDonald went well enough. But her assistant/husband was awful. His correspondence was slow and he was condescending. The final straw was when he told me to "get creative" when I asked for help figuring out a way to get tax transcripts from an ex. I found another lawyer which made me realize how bad this experience was. If you're on the fence wondering, I'd look elsewhere.
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19 Jun, 2024 by J willett
We are very please with the legal work Ms. Arvanitakis provided us with. We would recommend her for her competence as well as her thorough knowledge and ability to make us understand.
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23 Dec, 2020 by Anonymous
Mr. Weller would not do what I asked. I suggested to him to try to convert my chapter 13 to a chapter 7 because of my change in my financial situation. His reply was pretty much that can't happen. I elected to terminate Mr. Weller and go with another lawyer. My new lawyer converted my chapter 13 to a chapter 7 after reviewing my situation and we took care of it in a matter of a couple months. Case closed , I'm happy . Jay Weller needs to try to have a little more compassion for his work ethic and for his customers I won't talk about the price I paid along with his so called monthly monitor fees. Not any monitoring going on that I was aware of.
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30 Jan, 2018 by Anonymous
Jay is a great lawyer and helped turn my life around. I highly recommend him and his team.
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07 Jun, 2011 by Michelle
Jay Weller is VERY unprofessional and unreliable. He stood me up on 2 separate appointments and then when I asked for my deposit back due to the situation, his incompetent staff refused. They did nothing but waste 2 of my Saturday mornings and then kept my hard earned money. I chose another attorney that did an excellent job and was always at the appointments. Jay Weller is not someone that I would choose to represent me in any way shape or form. Don't even bother calling him and call someone that will actually show up to your scheduled appointments.
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FAQs
Questions? We have answers

What a Credit Repair Lawyer Can Do for You

A credit repair lawyer specializes in helping individuals address issues related to their credit reports and scores. They are knowledgeable about consumer protection laws, such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These lawyers assist clients in disputing inaccurate or outdated information on their credit reports, negotiating with creditors, and protecting against unfair debt collection practices. By leveraging legal expertise, a credit repair lawyer can help you improve your creditworthiness and financial standing.

Whether you're dealing with identity theft, incorrect reporting, or harassment from debt collectors, a credit repair lawyer can provide legal assistance to ensure your rights are protected and your credit report accurately reflects your financial history.

When Should I Hire a Credit Repair Lawyer?

You should consider hiring a credit repair lawyer in the following situations:

  • Errors on Your Credit Report: If you've identified inaccuracies, such as incorrect personal information, accounts that don't belong to you, or outdated negative items, a lawyer can help dispute these errors with credit bureaus.
  • Identity Theft: If you're a victim of identity theft, a lawyer can assist in removing fraudulent accounts and charges from your credit report and take legal action against the perpetrators if necessary.
  • Unsuccessful Disputes: If you've tried to resolve credit report issues on your own without success, a lawyer can take more formal legal steps to correct the inaccuracies.
  • Debt Collection Harassment: If you're experiencing harassment from debt collectors, a lawyer can enforce your rights under the FDCPA to stop abusive practices.
  • Credit Damage Due to Divorce or Separation: If joint accounts or debts from a former spouse are affecting your credit, a lawyer can help address these issues legally.
  • Complex Legal Issues: If your credit problems involve legal complexities, such as lawsuits from creditors or violations of consumer protection laws, a lawyer's expertise is crucial.
  • Need for Legal Representation: If you're considering suing a credit bureau, creditor, or debt collector for damages due to inaccurate reporting or unlawful practices, a lawyer can represent you in court.

What Does a Credit Repair Lawyer Do?

A credit repair lawyer offers a variety of services to help improve your credit score and protect your financial interests:

  • Analyzing Credit Reports: Review your credit reports from all three major bureaus (Experian, TransUnion, Equifax) to identify errors or inaccuracies.
  • Disputing Inaccuracies: File formal disputes with credit bureaus and creditors to correct or remove incorrect information.
  • Negotiating with Creditors: Work with creditors to settle debts, negotiate payment plans, or remove negative entries in exchange for payment.
  • Stopping Harassment: Enforce your rights under the FDCPA to stop unlawful harassment from debt collectors.
  • Legal Action: Represent you in lawsuits against credit bureaus, creditors, or debt collectors who violate consumer protection laws.
  • Identity Theft Resolution: Assist in removing fraudulent accounts and charges resulting from identity theft.
  • Credit Counseling Advice: Provide guidance on managing debts and improving credit habits, although they may refer you to a certified credit counselor for detailed financial planning.

How Are Credit Repair Lawyers Paid?

Credit repair lawyers typically charge for their services in one of the following ways:

  • Hourly Rate: Charging an hourly fee, which can range from $200 to $500 or more, depending on the lawyer's experience and location.
  • Flat Fee: Offering a fixed price for specific services, such as disputing a certain number of items on your credit report.
  • Retainer Fee: Requiring an upfront payment against which services are billed. You may need to replenish the retainer as work progresses.
  • Contingency Fee: In cases where you're suing for damages, a lawyer might work on a contingency basis, receiving a percentage (typically 25% to 40%) of any recovered amount.
  • Payment Plans: Some lawyers offer flexible payment options to make their services more affordable.

It's important to discuss fees and payment structures during your initial consultation to fully understand the costs involved.

How Much Does a Credit Repair Lawyer Cost?

The cost of hiring a credit repair lawyer varies based on several factors:

  • Hourly Rates: Generally range from $200 to $500 per hour.
  • Flat Fees:
    • Disputing Errors: $500 to $1,500, depending on the complexity and number of items.
    • Identity Theft Cases: $1,000 to $3,000 or more due to the extensive work involved.
  • Retainer Fees: Initial retainers may range from $1,000 to $5,000, depending on the scope of services.
  • Litigation Costs: If a lawsuit is necessary, costs can increase significantly, potentially exceeding $5,000 to $10,000 or more.

Additional expenses may include:

  • Court Filing Fees: Costs associated with filing legal documents.
  • Administrative Expenses: Charges for document preparation, postage, and other administrative tasks.

Always request a detailed fee agreement and discuss all potential costs upfront to avoid unexpected expenses.

Top Questions to Ask a Credit Repair Lawyer

  1. What experience do you have with credit repair and consumer protection laws?
    Ensure the lawyer has a strong background in handling cases similar to yours.
  2. How do you charge for your services, and what are the estimated costs?
    Understand the fee structure and get a clear estimate of the total cost.
  3. What strategies will you use to improve my credit report?
    Ask about the specific actions they plan to take on your behalf.
  4. How long will the credit repair process take?
    Get an estimated timeline for seeing improvements on your credit report.
  5. Can you guarantee that my credit score will improve?
    Be cautious of any guarantees; reputable lawyers will not promise specific results.
  6. Will you represent me in court if necessary?
    Confirm whether the lawyer is prepared to handle litigation if needed.
  7. How will you communicate with me throughout the process?
    Establish expectations for updates and availability.
  8. Do you have references from past clients?
    A reputable lawyer should be willing to provide testimonials or references.

How to Check the Credibility of a Credit Repair Lawyer

  • Verify Their License: Confirm the lawyer is licensed and in good standing with your state's bar association.
  • Experience and Specialization: Look for a lawyer who specializes in consumer protection and credit repair law.
  • Client Reviews and Testimonials: Read reviews on platforms like Avvo, Martindale-Hubbell, or Google to gauge client satisfaction.
  • Professional Memberships: Membership in organizations like the National Association of Consumer Advocates (NACA) indicates a focus on consumer rights.
  • Disciplinary Record: Ensure the lawyer has no history of disciplinary actions or ethical violations.
  • Ask for References: A credible lawyer should be willing to provide references from past clients.

What Should I Prepare for My First Consultation?

To make the most of your initial meeting with a credit repair lawyer, bring the following:

  • Credit Reports: Obtain recent copies from all three major credit bureaus (Experian, TransUnion, Equifax).
  • Documentation of Errors: Highlight inaccuracies or questionable items on your reports.
  • Correspondence: Bring any letters, emails, or communications with credit bureaus, creditors, or debt collectors.
  • Identity Theft Records (if applicable): Provide police reports, FTC Identity Theft Affidavits, or other relevant documentation.
  • Financial Information: Be prepared to discuss your current debts, income, and financial obligations.
  • Questions and Concerns: Prepare a list of questions about your rights, the credit repair process, and how the lawyer can assist you.

By being thoroughly prepared, you enable the lawyer to assess your situation effectively and provide tailored legal advice to address your credit repair needs.

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