Does anybody know where to go for legal counsel regarding unfair credit reporting in NJ?

I have been fighting BOA since 2005. I have all the documents sent to them so they can correct the adverse account entry on my credit report and they still give me the run-around. I tried writing to the credit bureaus too but all they told me was to write to BOA. I am tired of this game they are playing maybe it%26#039;s time I sue them?

Does anybody know where to go for legal counsel regarding unfair credit reporting in NJ?

If you have well documented proof that:

-you did pay the bill

-you did notify them of the error

-you did dispute this with the credit bureau

...then by all means sue them. There is a very specific procedure you need to follow, but if you do it you have a very easy small claims lawsuit, and you will win $1000 for your trouble (plus legal fees).

If you don%26#039;t want to fight this yourself...look in the phone book for a lawyer that specializes in collections. Sure, they work for collection agencies, but these slimeballs will also eat their young, and will take your case. Many are even starting to do it on a contingency basis, where you pay the filing fees and they only collect when you win (because their fees are included in the suit). They see it as easy money.

Where I live there are a couple who do nothing but these cases.

Does anybody know where to go for legal counsel regarding unfair credit reporting in NJ?

yes it is time to sue them as well as the CRA if you have sent the CRA proof. Write all three CRA letters stating your facts and proof as well tell them you know your rights FCPA send the letter cretified mail with return receipt requested. Also send Bank of American a letter same method..maybe you should have it written in Spanish since that%26#039;s who the cater to now days

Does anybody know where to go for legal counsel regarding unfair credit reporting in NJ?

Go the Federal Trade Commissions web sight and click on the tab labeled Consumer Proctection. Once you click on the tab scroll down to Improving Your Credit Report. It lists the entire process that you, the consumer reporting agencies and the company that reported the information must follow.

http://www.ftc.gov/bcp/edu/pubs/consumer...

It really does work!