Common Questions
Do I need to pay my bills?
If you have a negative listing associated with an account that has an unpaid balance, you may be able to delete the negative listing, but the money owed remains the same. If the account continues to be delinquent, the creditor or collector may re-report the listing.
There are a few situations where you do not need to pay your bills; 1). If the account balance is inaccurate. In this case you would need to dispute with the creditor or collection agency and have them agree to re-list the account as "paid in full" . 2). If the statute of limitations to collect on the debt has expired. Here you need to find out what your state laws are regarding this matter and provide proof to the creditor or collector. 3). If you are in the process of or working toward debt settlement. In this case you wait until a reduced amount is negotiated with the creditor/collector. 4). You have filed for Bankruptcy and the account is included.
"We just hit 724 on Experian, FANTASTIC work by all your paralegals working on my account."
"I was trying to get my credit score up to buy a house. You guys did it!! My house funded
today. Thank you all so much for your hard work, I really appreciate it."
"Thanks to you guys I was able to order my new car the same time I gave back the old one.
For which I originally needed a cosigner for because me credit wasn't good enough to get financing."
"There was no way I had the time or knowledge to fix my credit myself. Legacy Legal did exactly what they
said they would do. Thanks for the service and money well spent."
"Absolutely amazing!!! You took my bad credit with bad fico scores of 450 and pushed it to 656!!"
"In less than 60 days of working with you, our credit score has raised high enough to be able to qualify
for a mortgage loan the we were not able to before."