Sonya A Smith-Valentine

An identity thief create havoc with your personal finances. It is important to act quickly and assertively to minimize the damage to your credit history. You may not realize your identity has been stolen until you are denied credit, turned down for a job, or sent a bill for purchases you did not make. By that time, your good name and credit history may be in ruins. Rebuilding good credit in the aftermath of identity theft can take months or even years.

We firmly believe that everyone should pay their debts. However, we also believe that no debt collector ought to violate your rights to get payment. Your right to fair and legal debt collection activity cannot take a back seat to any debt collector's violation of state and federal law. Our firm primarily works with consumers whose rights have been violated under the Federal Fair Debt Collection Practices Act, the Maryland Consumer Debt Collection Act, and other consumer protection statutes

Debt settlement is an alternative to bankruptcy. By retaining the services of an attorney to facilitate a debt settlement, you receive legal protection against the often predatory practices of debt collectors. Additionally, all legal aspects of the debt, including credit reporting and re-sale of the debt, are usually covered in the debt negotiation.

Inaccurate information often appears in consumers' credit reports. These errors could result in your being denied a credit card, a job or a mortgage. If you aren't aware of the errors until you apply for the new loan or job, you may not be able to get the report corrected in time. Under the Fair Credit Reporting Act ("FCRA"), credit reporting agencies and creditors have a duty to correct inaccurate information.