Consumer Advocate Resolution Center

Recent settlements

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

Inaccurate credit reporting causing score drop $30K

Duplicate account reporting causing score drop $40K

Inaccurate eviction listing affecting rental $42K

Incorrect credit info causing increased interest $35K

Wrong balance reporting causing score drop $60K

Vehicle repossession reporting error causing score drop $67K

FDCPA violation, debt collector not reporting info $6K

FDCPA violation, debt collector’s inappropriate response $6K

Erroneous background check affecting rental opportunities $67K

Inaccurate reporting leading to home refinance denial $42K

Fraudulent credit info resulting in identity theft and missed credit opportunities $100K

Incorrect credit card balance reporting causing score drop and increased utilization $77K

About Us

About Us
C.A.R.C

Expert Consumer Advocates

DO YOU HAVE ERRORS IN YOUR CREDIT REPORT, WOULD YOU LIKE TO HAVE THEM DELETED & POSSIBLY GET YOU PAID IN THE PROCESS?

Try The C.A.R.C Way! We use a Credit restoration process that uses State and Federal Laws and usually secures Deletions, Debt Waivers or Cash Settlements and some cases all of the above. We use the Legal routes that the Credit Bureaus, Debt Collectors and your Creditors can’t ignore. We’ve successfully removed thousands of NEGATIVE items from consumers credit report, while helping clients secure and achieve their financial goals. When done properly, the inaccurate and incomplete and unverifiable information that we uncover in your credit report, with using our proven process this is the most effective strategies used to get you the best results that you desire.

Our Mission

Humble Beginnings That Served As A Catalyst To Help C.A.R.C Bring Truth & Education To Consumers.

The Mission of Consumer Advocate Resolution Center (C.A.R.C) is to become a safe haven for consumers dealing with companies that are blatantly disregarding policies and procedures, not to mention the Laws that govern them, C.A.R.C wants to expose as much of this as possible, how these large companies take advantage of consumers, but we as consumers, we have to do our part, we have to better understand what where getting into. The information today is no longer in the “FINE PRINT”, it’s in our faces, this is where C.A.R.C come into play to ensure to the best of our ability that the rights of the consumers are being met. C.A.R.C has a way of revealing to consumers the possibilities of resolving adverse actions against you, while educating you on the law and how the LAW can work in your favor today and in the future.

Ken LaMothe has been a Credit & Consumer Advocate for more than 2 Decades, with an emphasis on protecting consumer rights while bringing awareness and education back to the table. His background in Mortgage Default servicing, where he served as a supervisor for two of the largest Banks in the country, lasted for approximately 13 years; where he is now considered a Subject Matter Expert (SME) in the areas of Credit Resolution, Contractual Disputes, and Consumer Laws which includes the FDCPA, FCRA, TCPA, and Texas State Laws.

The last 2 Decades have positioned Ken to become a Consumer Advocate for his community and for others who share in the fight to protect consumer rights.

Ken believes that each consumer should adopt a mission or anthem if you will, that “Applied Knowledge Is Power”. Ken and his organization; C.A.R.C, assists consumers, business owners, realtors and mortgage professionals alike in the understanding and use of our consumer laws, credit reporting laws, debt collection laws, credit score building, planning, and strategic techniques through the use of effective and personalized strategies.