Get a copy of all three credit reports from the only government-sanctioned website: www.annualcreditreport.com
- Review your credit reports carefully and dispute any inaccurate information in writing
- Write a letter to the debt collector demanding proof of the debt and the amount
- Submit a Complaint to the Consumer Financial Protection Bureau
- Submit a complaint to your state’s Department of Labor, Licensing and Regulation
- If the collector violated the law, hire a lawyer to sue them in court. They may be liable for damages, court costs, and attorney’s fees under federal or state law
Private Attorneys:
- Attorney Tyler Ayres, Utah
- Attorney Scott Borison, California, Maryland, Washington, D.C.
- Attorney Justin Johanson, Utah, Arizona
Other resources:
- Utah Tuesday Night Bar
- FREE District Court Self Help Center
- Maryland District Court Small Claims Website
- Look up your case on Maryland Judiciary Case Search
- Legislative Advocacy
