When you're trying to set up a credit repair program, it's logical to think of turning to a credit repair attorney for help. Yet you may want to consider a few factors before hiring a lawyer.
A credit repair attorney is not the same as a bankruptcy lawyer. Lawyers who specialize in credit problems usually handle cases involving serious debt issues, for clients with significant assets they are trying to protect from bankruptcy for example. Or, they are working with a client to fix problems on a credit report related to identity theft, or possibly problems resulting from divorce from or death of a spouse.
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If you're just considering a lawyer to help you with improving your credit score, or fixing a debt problem, you really don't need an attorney for these types of problems. Instead, consider using a non-profit debt consolidation company, which can help you prioritize debt and stave off creditors who are coming after you for payment. You can also start many credit repair steps on your own, by working with creditors to reduce payments, or get on a payment schedule to get your delinquencies under control.
In some cases, you might find that you are the victim of illegal credit collection efforts. For example, it's illegal to threaten debtors, or to harass debtors in order to collect a debt. This is definitely a matter you will want to hire an attorney for - in many cases you will have to file suit to stop this illegal behavior.
When hiring a lawyer, be sure to get references, find out how long the attorney has been working in this field of practice, and get an idea of fees before you agree to retain the lawyer. Most lawyers will offer an initial consultation to talk about fees and services. Before hiring a credit repair attorney, be sure to do your homework.
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