CREDIT DISPUTES

160 Hidden Hill Road
PO Box 6326
Spartanburg, SC 29304

(864) 574-0870

visitor@alfordlaw.com

 We assist debtors in disputes with MORTGAGES and DEBT COLLECTORS  

• Debt Relief ¹
• Debt collectors
• Credit card disputes
• Credit report errors
• Unauthorized bank and credit card charges
• Credit Reporting Errors
• Mortgage and payment errors
• Car Title loans, PayDay Loans
• Truth in Lending 

Mortgages     A lender or mortgage servicer must respond to a written dispute concerning payments, placed insurance, or the reason for adding charges and fees. RESPA, 12 CFR 2601, provides certain remedies for failing to respond to a Qulaified Written Request.  Put your dispute in writing and save a copy.

Credit Card Billing     CC billing statements always have a separate address for written payment disputes (See 15 USC 1649).  Put your dispute in writing and save a copy.

Debt Collectors     The federal Fair Debt Collection Act (15 USC 1692) and the SC Consumer Protection Code (SC Code 37-5-108) set out a framework for what and how debt collectors can do in collecting a debt.  Keep a log of the time and date and person making a telephone call, what threats are made.  Send written disputes as to the nature or amount of the debt, and keep a copy.

There has been a rise in attempts to collect “stale debt,” that is, debt that is beyond three years from last payment.  This debt may be time barred (statute of limitations (SC Code 15-3-530).  Payment of any amount, for any purpose, to a creditor or debt collector may defeat your statute of limitation protection.  Check your credit report.  Write a dispute letter to the credit reporting bureau and to the named Creditor.  Dispute the debt, and any entries on the credit report that shows the account is “active” or payment made if not true.

Truth in Lending     SC Code 37-2-301, 37-3-301, and 15 USC 1601 sets out various disclosures required by a lender before loaning money.