Consumer Litigation
Rank & Karnes Law, P.C. is proud of our ability to help clients with a wide range of financial problems. We take our role as a debt relief agency seriously, but we also provide a wide range of consumer litigation services. If you are having financial struggles you can’t resolve on your own we’re here for you. This includes false information on your credit reports, harassing phone calls and identity theft.
Our attorneys have worked with the legislature to write laws that protect consumers from debt resolution scams and illegal debt collection and we’re not afraid to take cases to court to get you a fair resolution. We provide a free consultation and in most cases we can recover our fees directly from the defendant. That means that we can provide you with experienced, qualitative legal representation with little or no cost to you. Don’t spend another sleepless night stressing. Call us for immediate relief.
Credit Report & Identity Theft Assistance
Are you in the uncomfortable position of realizing there are errors on your credit report? This often happens right when you need to use your credit- when you’re applying for a credit card, mortgage or car loan. It’s devastating to be denied and realize there’s false or inaccurate reports bringing down your credit score. If this happens the first thing to do is to write the credit reporting agency (TransUnion, Equifax and Experian) a professional letter asking them to fix your credit report. You have rights and protection under the Fair Credit Reporting Act (FRCA), and this letter should alert the agency to the problem and they should fix it.
The worst cases of fraudulent credit reporting are those that involve identity theft. If someone has used your name, social security number or other information to take out credit cards or debts we can help you. You may be struggling with collection harassment, false information, a poor credit score and even problems with the IRS.
If you are having trouble getting your credit report fixed give us a call right away. We have experience with inaccurate reports and identity theft. Sometimes credit reporting agencies won’t accept proof that their reports are inaccurate. We will litigate your case and help you protect your credit and credit history. In most cases we can litigate on a contingency basis, which means we don’t get paid unless we recover money for you. Let us help you recover your credit and your good name.
Check your credit regularly.
To check your credit report use the button below. It will take you directly to the ONLY site authorized by the federal government to get your free credit report. You can receive one report from each of the three agencies once per year. We recommend that you check your report every four months to protect yourself from identity theft. Please do not get scammed into paying for a report from another agency. Just visit annualcreditreport.com by clicking the button here.
We can stop collection harassment.
Bill collectors sometimes engage in harassment tricks and outright fraud in an attempt to collect a debt from you. They may call you at work, contact your employer, threaten you, call repeatedly, speak to your friends or neighbors or even try to collect a debt you don’t owe because of identity theft. These are all illegal practices and we will not permit them to harass and threaten you for one more minute. We can also recover any money they’ve taken from you by unfair debt collection practices. In some cases we can also collect damages for you.
We’ve recovered hundreds of thousands of dollars from debt collectors who have violated federal or state debt collection laws. Both state and federal law allow you to recover your attorneys’ fees from a debt collector who violates the law, so we may be able to take your case for very little out of your pocket. If you are being harassed, annoyed or victimized by overly-aggressive or deceptive bill collectors please contact Rank & Karnes Law, P.C. for immediate assistance.
Get help today.
Request a free consultation
We know that facing financial difficulties is hard, and you don’t have to do it alone. Schedule a consultation with us and we’ll help you create a brighter future.