After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

1. Hiddencreditrepairsecrets.com
Presents
Before Suing Collection Agencies and
Credit Bureaus Questions - 8 More
Questions and Answers

2. Before suing collection agencies and
credit bureaus questions - 8 more
questions and answers
In the first article, I disclosed five
answers to common questions posed to
me about small claims courts. In this
article, I will discuss eight things you
need to know before seeking the legal
route against the big bad agencies.

3. Suing collection agencies and credit
bureaus questions and answers

4. How can I find my court?
In every county, there are small claims courts.
You can look in the yellow pages, call the local
operator, or do a search on the Internet for the
court in your county. Once you locate the court,
talk with the clerk to make sure you have the
right court.

5. Do I need a lawyer?
In most courts, attorneys are not allowed, so
you won't need a lawyer. However, you
should still seek legal advice if you plan on
going to suing the credit bureau or a
collection agency. When talking with a
lawyer, ask questions about the procedures,
the law, counter claims, evidence, your
defenses and the possible outcome.

6. Suing collection agencies and credit
bureaus questions and answers

7. Where can I find an attorney?
* You can go to legal clinics put on by law
schools
* Go to your local legal aid of fice
* Go to the clerk of the court (only for small
claims
procedures)
* Look through the yellow pages or legal
newspapers
* Consult a bar association referral service
* Check a local law library
* Check out Pre-Paid Legal

8. Once you have selected a lawyer, have him or
her review your argument and facts. If you are
suing for an amount higher than the small claims
court limit, you will need an attorney that will
work on a contingency bases, meaning he will
not charge you up front but will take a
percentage from your award if you win the case.

9. Can I collect attorney fees in small claims
court?
Some states allow you to collect attorney
fees and others do not. Talk with counsel or
check with your court on this matter.

10. Suing collection agencies and credit
bureaus questions and answers

11. Can I sue in court under the federal law?
Yes, if your state does not have a law that
regulates the credit bureaus. Be aware that
the bureau may try to get the lawsuit moved
to Federal Court since it's a Federal law that
you are suing them under. If this happens,
you will need to hire an attorney.

12. What is the statute of limitation for filing a
lawsuit?
The statute is two years from the date of the
violation for the credit bureau and one year for
the collection agency, so make sure you file your
claim before the statute expires.

13. Suing collection agencies and credit
bureaus questions and answers

14. Do I have a case?
First, check with your local attorney
general's of fice and the of fice of
consumer af fairs to see whether your
state has credit reporting laws that you
can sue under. If the state does not
have any laws, you can look through
your records to see if the bureau has
violated Federal law.

15. How will I prove my case?
You can prove your case by showing the judge that
the credit bureau or the collection agency has
willfully violated the law by failing to comply with the
statutes. To support your case, you will need the
evidence you've gathered. Evidence may be wide-
ranging, including letters to and from the bureaus,
recordings, certified return receipts, witnesses, even
notes taken in a journal regarding conversations
held with the collectors or bureau. You can also use
other court cases to support your argument.

16. If you are ready to say goodbye to
credit rejection and debt collectors,
visit hiddencreditrepairsecrets.com
and sign up for the Free 8-Day E-Credit
Repair Course, and claim your Free
Gift-60 minute Podcast on Rebuilding
Your Credit
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