We are a team of legal professionals dedicated to helping you resolve issues with your creditors.

Learn more about Guillermo Ramos, Esq.|  Help Center  | Offices | Referring Clients

Why work with The Ramos Law Firm?

We don't write or send bureau dispute letters.

Many credit repair companies, even those who display the word “law” in the name primarily dispute at the credit bureaus or credit reporting agencies as their main method of credit repair. We find we have faster, more permanent results by contacting the creditors directly. There are also many situations the credit bureaus just can’t handle well.

Our demand letters are sent directly to the reporting creditor, on the law firm’s letterhead. Repair companies send dispute letters in the consumer’s name to the bureaus that try to trigger a dispute code and forward it to the reporting creditor. Imagine trying to condense any of your client’s issues into a two digit code and getting a good result!

Repair companies use the same template over and over. Creditors often recognize that a consumer has hired a repair company and may choose to ignore a letter. This is great if you want your client spending the next 4 months fighting a possible violation. When a creditor receives a letter from our law firm they know they are on notice. They now look at the client as a potential liability because they have certain time frames and obligations. The consumer has the ability to enforce violations through our attorney.

Repair companies that charge upfront fees are legally not allowed to settle debts whereas law firms are. When consumers contact a creditor they are speaking to customer service or collection staff. The customer representatives do not have the authority to settle with a deletion because it is a violation of federal law and the contract they signed with the bureaus. We are frequently in contact with compliance or legal counsel of the creditor. We are often able to obtain results that others cannot thru legal arguments or past experience with debt collectors.

Many recite federal laws and consumer rights to no avail. Our attorneys can often make it happen through a variety of legal means.

Many repair companies send out a dispute letter or two each month to keep consumers paying for months to increase their profit per file. We contact each of our client’s creditors usually within 24 hours of hiring our services. Responses are usually to be sent in 30 days.

Pre-litigation fees are by line item. It is not one size fits all. Initial consultations are free. Our quote defin es our total fees (we allow payment plans), estimated settlement monies, and estimated time frame to complete our process.

Deletion letters and releases are emailed to our clients and referral partners. This documentation can be used for underwriting or rapid rescore. Clients are given straightforward expectations, not a sales pitch.

When hiring a law firm, you own your file. All work must be shown and disclosed to you.

 Sometimes consumers come to you with more complex issues. Rely on our attorneys to help give your clients advice based on years of practice in several areas. Lending industry professionals use our services to provide a trusted source of information to help guide their clients to closing faster.

Work with Guillermo Ramos and his team

Guillermo Ramos, Esq.

We’re here for your success

Since 2013, we have assisted thousands of clients in achieving their goals of resolving issues with creditors. With a dedicated team and proven systems in place, we are committed to helping you secure the best possible outcome for your situation.

Time tested processes

We work directly with your creditors, not with credit bureaus. Our team is happy to explain our process in detail before you engage our services, allowing you to determine if we are the right fit for your needs.

Looking for more services?

“The best of the best Guillermo is a very kind person, he helps solve problems very quickly and with very good experience for him there is no case too small or big he is always available to help and at a very good price I recommend them wholeheartedly”

Will Arriaza