I agree with Mr. Lutz. The Fair Debt Collections Practices Act will not apply here.

If a person has bad credit and wants to clear it. Is a lawyer required to improve credit score?

If something is being reported inaccurately, you should contact a credit law attorney immediately. Many of us offer no cost legal services.

Credit company ruined my credit

Do you have anything in writing in which the company agrees it was fraud? As my colleague noted, request validation from the debt collector, file a...

Will a new collections account on my credit report be categorized as a legal item when applying for an apartment?

I am unsure as to whether the apartment complex is defining “legal items” literally. The collection account will technically be categorized as...

No, he does not have the right. I would contact the credit reporting agencies, explain the situation to them, and ask that they put an alert on...

Can a company i.e. Comcast be sued for damages due to turning an account over to collections for money that is not owed.

Yes, although Comcast would not be liable under the Fair Debt Collection Practices Act, as they are not a collection agency. Comcast may be liable...

I want to find out whats the good agency for credit repair.

If anything is inaccurate on your credit, you should reach out to a credit law attorney immediately. Many of us offer no cost legal services.

Does a bank approval then decline a violation of the fair credit act?

This is not a violation of any law.

Do I need a tax attorney?

Yes. In fact, it really sounds like it would be in your best interest to consult with a tax attorney and an accountant.

Is a spouse accountable for a debt of the other spouse

It does not sound like your wife is responsible. However, any assets previously in your name which you may have transferred to your wife within the...