Debt Collectors

  • Put our knowledge and experience to work for you

  • Let our attorneys guide you to a better outcome.

  • We work hard for you

  • You have options

  • No Hourly Fees. Easy Payment Plans.

Most of our California clients have hired multiple credit repair companies to dispute debt collection firms on their credit report. They find that there is some success in disputing the older items that do not affect the credit score. Often they do not see the permanent credit score increase they desire. Many are frustrated that the larger debt collectors like LVNV or Midland Funding LLC answer the credit reporting agency disputes and rarely fall off.

Our law firm has found that the best way to resolve a debt is to deal directly with the debt collection firm or owner of the debt that reporting the negative item. We work diligently with the legal departments and compliance departments of the major debt collection firms and debt buyers. Since 2003, we have established long standing relationships in the industry. This allows us to often handle issues for our clients in a more timely manner.

We will obtain the documents supporting the underlying debt, review the debt collection documents, compare them reporting accuracy and then provide our client with options. Each of our client’s goals are unique, so the options that we can ascertain will be tailored for their needs. It is understood that most of our clients would like the negative tradeline to no longer appear on their credit report.

  • Illegally re-aging of a debt
    We find that often the credit report does not reflect the true date of last activity, especially when sold to a third party debt buyer. This can re-age the debt making it more damaging to your credit score. We work directly with the lender to adjust credit reporting accurately or have them agree to remove the negative tradeline.
  • No proof or right to collect debt
    We find that often the debt collection firm or underlying debt buyer does not have the documents necessary to prove the debt was incurred by our client or that the entity demanding payment has the right to receive the money to resolve the debt. In Texas, these transactions are controlled by Texas Finance Code Section 392.
  • Misidentified debtor / Wrong Party
    We find that often a debt collection firm has used a skip trace company that mis-identified the debt as belonging to our client. In that case, it should be removed from the credit report immediately.

If you are having issues with a debt collection firm and would like our assistance in resolving the issues please call (714) 699-9696 or email cs@caclf.com.


We offer competitive, flat fee pricing. F We offer discounts when handling more than one issue for a client and allow payment plans. We also offer contingency cases when filing a lawsuit for some debt collection violations. For our fees we will:

  • Obtain the necessary documents to evaluate your situation
  • Evaluate the documents compared to the client’s scenario and help render an opinion
  • Help the client enforce their rights as to the debt collection / credit reporting.
  • If desired, approach the lender to see if a settlement can be made that is favorable to our client’s goals of credit reporting and ending possible legal liabilities.

The above fees do not include the filing of a lawsuit against the creditor.