We're a law firm that helps you understand your rights, evaluate what you owe, and decide what to do about it. No pressure, no rush. Just a straight read on the federal laws that protect you and the options that follow.
"They explained the law before they explained the fee. By the end of the first call I knew exactly which letters were going out and when."
When a creditor or collector contacts you, sues you, or moves to garnish your wages, federal law sets the rules and gives you specific tools to push back. Our work is using those tools.
We send the letters that compel a creditor to prove a debt is legitimate before they can collect on it. When validation fails, we negotiate. When a lawsuit is filed, we defend. The work is mechanical and the timeline is concrete: a cease letter goes out within days, a validation dispute follows under §1692g, and your response deadlines for any pending court matter get tracked from day one.
We're paid as a flat monthly fee, agreed up front. The structure aligns our incentives with your outcome over time.
We work with people across the country dealing with unsecured debt: credit cards, medical bills, personal and payday loans, plus the harassment, lawsuits, and garnishment that often follow. Each service has its own deeper read.
Past-due balances, charge-offs, debt sold to third-party collectors.
Read moreHospital balances, surprise charges, bills sent to collection.
Read moreUnsecured loans that have gone past-due, including high-interest payday products.
Read moreRepeated calls, contact at work, threats, third-party disclosure. All bounded by limits under federal law.
Read moreCourt papers from a creditor or collection agency, with a response deadline that's running.
Read moreMoney taken from a paycheck under a court order; we file motions and exemptions to stop or limit it.
Read moreNo surprises in the program. You know what we're doing and why before we do it, and what comes next is always concrete.
We listen, ask the questions an attorney needs answered, and tell you what the law says about your situation. If we're the right fit, we'll say so. If we aren't, we'll say so too.
If you decide to engage us, a cease letter goes out, validation disputes follow, and any active court matter gets a tracked response. The first concrete action lands within days.
Most matters resolve through invalidation or negotiated settlement. Some end at trial. Either way, the goal is the same: closing the file on terms you can live with.
You don't need to read the full text of any of these to use them. But every one of our matters runs against the protections these laws give you, and every letter we send cites them.
Defines what debt collectors can and cannot do: when and how they can contact you, what they have to disclose, and what penalties apply when they violate the rules.
Read moreDefines what can appear on your credit report, how long it can stay, and how to dispute information that's inaccurate or no longer reportable.
Read moreDefines what lenders must disclose in writing about the cost and terms of credit, and gives you specific rights to dispute billing errors.
Read moreCredo Legal is a consumer-debt defense law firm with attorneys licensed in all fifty U.S. states. When you become a client, the work is handled by a lawyer who can actually appear in your jurisdiction. The same attorney stays with the case from intake through resolution.
Our clients usually arrive in distress. They're being called at work, served with summons, watching a paycheck shrink. The job is to bring the same set of mechanics to every situation: cease the contact, demand validation, defend the case, negotiate the resolution. The work is concrete. The fee is flat and known. We don't keep clients longer than they need to be kept.
Most of the people we represent have been treated as a statistic for too long. We treat the file like a person, because it is.
Live attorneys, real availability, answers in plain English.
When a creditor breaks the law, we say so on the record. When a case has to be tried, we try it.
If your question isn't here, the chat in the corner is the fastest way to get an answer.