Most of our Texas clients have hired credit repair companies or tried to restore their credit themselves. Their efforts have failed for various reasons but mainly because the credit repair system of disputing at the credit bureaus does not achieve their goals.
The Ramos Law Firm offers different solutions and services for Texas residents. A credit attorney can help you decide what are your options and then tailor our services to your exact needs. We recognize that writing a form letter to a credit bureau or a creditor does not work for many situations. We have trained Attorneys and Paralegals that get on the phone and work your issues to completion. We are not a letter writing mill that waits for the creditors to respond when it is most convenient for them. Most creditors and debt collectors have assigned legal counsel or compliance officers to our firm to resolve client issues. We do not get lost in the system.
We handle all issues surrounding credit reporting and legal liabilities including:
- Lender / Mortgage Company / Mortgage Servicing / Default Servicing
- Home or Time Share Foreclosure
- Auto Repossession
- Debt Collection
- Medical Billing and Collection
- Apartment Leases
- Judgments / Liens
- Remove Paid Federal Tax Liens
- And Many More
Direct Communication Creditors, Debt Collectors, and Credit Bureaus must speak directly to us. In fact, once notified, they can not communicate directly with you. Collection phone calls and mailings should stop!
Timeliness Once hired, an attorney and paralegal will be assigned to your case. Work will begin immediately and you will be kept informed of progress. We do not waste time with form letters hoping a creditor responds.
Enforce Your Rights As a law firm we can allege violations and file a lawsuit if necessary to achieve your goals.
Settle Debts Law firms can represent you in negotiating and settling your debts with your creditors.
Debt Lawsuits We can represent you if a creditor files suit AND we can file suit against a creditor if needed. We have been involved in hundreds of lawsuits through the years.
Representation We represent you and your interests. We are not hired by someone else that may not be looking out for your best interests.
Accountability Law firms must comply with the State Bar Rules of Professional Conduct. Complaints can be made to the State Bar of Texas through a well established grievance process. Our attorneys have had no grievances reported against them.
Established We have dealt with creditors since day one. Our Attorneys and paralegals are very experienced in dealing with creditors and credit bureaus.
Experience We represent clients against their creditors in and out of court. Our experience allows us to understand trends to best assist our client in resolving their credit issues.
For most issues, we can quote you a flat fee price before we begin work. Pricing is based on the creditor or debt collector and the amount of work we anticipate it will take to resolve your credit issues. If legal fees extend beyond $500.00 we allow convenient monthly payment plans. Make an appointment or Online Free Consultation.