America’s Largest Consumer Protection Advocates
We Fight For The 99%! We Sue Debt Collectors and Credit Reporting Agencies, through our Network of Consumer Attorneys
Our Nationwide Network of Attorney’s Are Here When You Need Them
Consumer Advocate Resolution Center are consumer protectors, with a network of attorneys all over the country. When there’s errors in your credit reports and it’s caused you to be denied for a Mortgage, Personal Loan, Apartment Rental, Car, or any other opportunities due to inaccuracies, misleading, or false information in a credit report, we work with you to help correct those inaccuracies on your report and begin to restore your credibility. We do this by using Consumer Laws that protect your rights and hold companies accountable for their actions. If you’ve been searching for a “Consumer Advocate” you found us.
C.A.R.C’s Area of Expertise & Services
Consumer-law-protection
We Sue Debt Collector and Credit Reporting Agencies, through our Network of Consumer Attorneys. Tired of being denied for a Home Loans, Car Loans,...
Business-Formation-Funding
Start Smart. Grow Fast. Get Funded The Business Launch & Funding Blueprint Becoming a homeowner is an exciting milestone, but it’s important to be...
Debt Collection Lawsuit Defense
Are You Being Sued By A Debt Collector? If you’ve landed on this page, you may be dealing with a lawsuit filed by a...
Homeownership Program
From Lease to Keys Becoming a homeowner is an exciting milestone, but it’s important to be prepared. In this journey of homeownership we will...
Consumer-financial-service
Build Wealth Grow Assets Protect your Future Your Complete Financial Roadmap A financial adviser is more than an investment professional. They are your partner...
Common Reporting Errors We Have Seen
Duplicate Accounts
This happens when a creditor lists an account twice, or when a debt is sold or transferred and both the creditor and collector report the same balance, making it appear doubled. Sometimes one account shows a zero balance but still reflects negative history, which is misleading since the same negative information is reported twice. If not corrected, this is considered an FCRA violation.
Identity Theft (IT)
This exists when there’s an unauthorized account opened on your credit report without your consent or any account that you do not recognize nor did you approve. If the account wasn’t opened by you, then it is considered Identity Theft, if this account is not removed and blocked from your credit report, this is a FCRA Violation.
Wrong Balances
Accounts that have been settled or paid off should no longer report a balance and should be appropriately marked as “Paid in full” or “Paid/Settled for less than the amount owed, if there’s still showing an inaccurate balance this is a FCRA Violation.
Post-Bankruptcy
Any account that was discharged in bankruptcy should be marked as discharged on the credit report, with no balance, no monthly payment and no past due amount, if there’s still showing a balance after Discharge, this is a FCRA Violation.
1099-C
A 1099-C is issued when a creditor cancels all or part of a debt, which means your credit report should show a $0 balance. If it still reports as outstanding, that’s an FCRA violation. Important: You are not required to report the canceled amount on your taxes.
TCPA
The TCPA protects consumers from harassing robocalls, spam texts, and calls from debt collectors or solicitors made without consent. Robocalls are automated calls or texts made by a computer system with no human involvement. Each unwanted call or text can result in penalties of $500–$1,500.
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