Debt Defense
Navigating Debt Collection: Unraveling the Impact on Credit Scores
Credit scores and Debt Collection. The two are often linked together as they are a significantly impact individuals’ financial well-being. Understanding this connection is crucial for anyone navigating the challenges of debt collection. In this blog post, we’ll be discussing the relationship between debt collection and credit scores, learning more about the impact and seeing…
Read MoreDealing With Debt Collection
Dealing with debt collection can be a daunting experience, causing stress and anxiety for individuals already facing financial challenges. This year, debt collection cases were our highest margin. We understand the complexities of this process and are here to guide you through the maze of debt collection. In this blog post we’ll explore the intricacies…
Read MoreDisputing Errors on Your Credit Report
Have you ever looked at your credit and noticed that something was off? It may be that you do not recognize a debt or that your home address is wrong. Even if this hasn’t happened to you, accurate credit reporting is a huge factor in your financial well-being. A clean and precise credit report is…
Read MoreHow to Obtain Your Free Credit Report
You probably heard how important credit scores are about a million times, however it doesn’t hurt to hear it again! Credit scores are a powerful tool and knowing what your score is essential to your financial well-being. Let’s get started on how we can obtain a free credit report! Before diving in, it’s essential to…
Read MoreUnlawfully Charged
Samantha reached out to NWCLC after she was served with a debt collection lawsuit for a $17,000 loan. Samantha experienced very difficult times during COVID and needed the loan to pay for medical bills and to get her car fixed after an accident. All this caused Samantha to feel “stressed, nervous, and quite intimidated before…
Read MoreA Well Deserved Fresh Start
Rachel first reached out to us for advice on how to respond to a debt defense lawsuit from a big brand-named bank that had left her feeling stressed and devastated. To help, we provided brief advice on how to respond to the lawsuit and also discussed bankruptcy as another option for her to discharge the…
Read MoreFinally Being Able to Breathe
Marie Ann originally reached out to NWCLC after being served with two debt cases seeking almost $20,000 in debt that Marie Ann couldn’t afford to pay on her modest salary. The credit card debt belonged to her wife, but due to after her tragic passing, Marie Ann was unfortunately left with the debt. Feeling anxious,…
Read MoreA New Chapter
When Stacie* first reached out to NWCLC, she was unemployed and struggling with debt. When she finally found employment, she decided to double down on filing for bankruptcy to get the fresh start she needed for her new life, especially after an out-of-state collector sued her. She knew that even with her new job she…
Read MoreStudent Loans
Olivia* received the summons and complaint for this case in the middle of the pandemic for private student loan debt from over 5 years ago. The client had a bad period where she was suffering from a medical condition where she was not able to make regular payments on the card. The debt buyer sued…
Read MoreOld Debt Comes Back
Georgia* came to us after she was served by a debt collector. She was told that she had to show up in court in a completely different county than where she lived. It was for an old medical debt that she recognized, but thought had been taken care of by insurance. She went to court…
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