If  you  have  $20,000  or  more  in credit card debt  this  may  be  the  most  important  document you will ever read.

The Credit Card Solution utilizes a compliance process, using existing Federal law and enforceable in Federal courts,  by  which  a  consumer  can  benefit  from  Federal  rules  and  regulations  which insure  fair treatment  that  is  too  often  ignored  in today’s  credit  and  legal  system.  This  process  is  being employed  on  a  regular  basis  to  allow  justice  where  it has often been unavailable to the average citizen. 

The Credit Card Solution operates  under  the  watchful  eye and guidance of attorneys who provide legal  advice,  guidance  in  preparation  and filing of any necessary legal paperwork, and guidance in staying in full compliance with any and all state and federal laws.     

HOW THE PROCESS WORKS

With the exception of the government, no other entity which enters anything on your credit reports does it in the legally prescribed manner.  Therefore, they are not in compliance and can be challenged.  If you, as a consumer, have tried to have a negative entry removed from your credit reports, or even paid a company to attempt to do it for you, then you know how incredibly frustrating it can be. The CRA’s (Credit Reporting Agencies) are required, by law, to remove any non-compliant entries, although they typically ignore consumer requests to do so.  The Credit Card Solution challenges their violations on your behalf.  When they ignore the law on more than one occasion, they have created a pattern of non-compliance with federal law.  The Credit Card Solution can then give them a choice of a lawsuit or the option of facing a compliance audit/validation review. Either way, they eventually comply with the law and remove the non-compliant items from your credit reports. Watch the video on Credit Restoration for a full explanation of this part of our process.

The Credit Card Solution can also challenges the validity of unsecured debt at a financial institution.  A look at the General Ledger of a bank that you supposedly owe, say, $20,000 on an unsecured debt, such as a credit card account, shows that you owe the bank nothing and you owe yourself the $20,000 according to their bookkeeping system.  Therefore, that bank can be advised that the debt is not valid whether that debt is still at the bank or has been charged off.  The proprietary process that The Credit Card Solution uses is successful in having the bank invalidate the debt.  That debt no longer exists.  If there is hesitation, the compliance audit/validation review process can, again, be used. Watch the video on Debt Invalidation for a full explanation of this part of the process.

If that bank has charged off your account and sold it to a collection firm, usually an attorney collection firm, that firm can now be notified that they are trying to collect on an invalid debt and must stop immediately or face legal consequences themselves.  If that firm has proceeded with court action against you, and you are still pre-judgment, time permitting, The Credit Card Solution can file a federal court FDCPA 1692 lawsuit against the collection attorney(s).  The Fair Debt Collection Practices Act is an extremely strong deterrent because in 99% of all cases, the attorneys/debt collectors are in violation of many parts of it.  The court can be notified that the attorney collectors are being sued in federal court and a stay is requested. The attorneys/debt collectors typically settle out of court. Watch the videos on the Fair Debt Collection Practices Act for a full explanation of this part of the process. 

The Credit Card Solution program has Federally licensed counsel and paralegals.  We are affiliated with nationwide network of attorneys who are specialists in this area of the law.  You will be represented throughout the process.  When an out of court settlement is reached by our counsel on your behalf, you collect monetary damages, the collection attorney will be required to dismiss any court action against you, remove any entries they may have made on your credit report, give back anything taken, remove all liens and garnishments, and destroy the debt.      

This entire process normally takes an average of 12 to 18 months.  At the end of the process, your credit reports will reflect no negative entries and you will have no unsecured debts since they will have been proven to be invalid.  If The Credit Card Solution decides to employ the compliance audit/validation review process on your behalf, near the end of this process, you will receive a Grievance Report form allowing you to relate any bad behavior by any attorney or judge involved in any proceeding against you.  The Federal Government  has the authority to impose fines, penalties, sanctions, and even damages against any party they think warrants any such action based on their behavior.  They might take as long as two months to complete this process.  Each compliance violation can result in as much as a $2,500 fine.  The judge can face the same situation.  The The Credit Card Solution proprietary process has been successful to the point that the FTC process is rarely employed.  It is always there if necessary and is a process that most people in violation of federal law do not want to face. 

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