TRUE CREDIT ADVOCATES

Tired of being charged monthly fees with no results? Is your credit guru closing good accounts? They might be filing false FTC claims, leading you into lawsuits before they disappear. Now you’re stuck? We can help.

How Can I Be of Service?

DIY Credit Repair

Under the Fair Credit Reporting Act (FCRA), your credit report must be accurate. That’s the law.

Bureaus are required to report complete and verifiable info. When they fail, I enforce your rights for you.

Sue Them First!

Don’t wait for debt collectors to sue you. Turn the tables!

✔️ I respond to collectors for you

✔️ Identify unlawful collection attempts

✔️ Secure evidence of violations

✔️ Get deletions and potential compensation

Being Sued?

Facing a lawsuit or garnishment?

Were you improperly served? 97% of people lose because they fail to respond in time. Don’t be one of them.

Understand Your Rights & Reclaim Peace

Stop letting collectors call the shots. Learn to spot violations and regain the upper hand.

We hunt for legal violations that could result in debt deletion or cash settlements paid to you.

LIST OF VIOLATIONS

Harassment: Use of profanity or excessive calling (7-in-7 Rule).

Inconvenient Contact: Calling before 8am or after 9pm.

Validation Failure: Failing to provide proof of debt within 30 days of dispute.

Illegal Threats: Threatening to sue on expired (time-barred) debt.

Disclosure: Talking to your boss or neighbors about your debt.

Misrepresentation: Lying about the amount or claiming to be the government.

Collections Review Form

Build Your Credit Score the Right Way With Me

“Reclaim your financial independence by correcting reporting errors and using established methods to polish your credit profile.

Pull Your Credit Report – Completely Free

PULLING YOUR REPORT ASSISTANCE

Want me to review your credit report? Follow these easy steps ⬇️

💻 FROM A COMPUTER OR LAPTOP

Annual Credit Report – it’s 100% FREE
Choose Equifax, Experian, and TransUnion
After opening each report, click Print and Save as PDF
🖨️ For TransUnion, change orientation to LANDSCAPE before saving
📤 Send the PDFs to me for review
📞 Text me at (949) 621-8848 once you’re done!

✅ Dispute the errors. Find the violations. Own your financial future.

Get Your Free Credit Report

Real Results & Recent Wins

See how we’re helping people take back control.

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75+

Happy Clients

35+

Cases Done

6+

Years of Experience

Hear me out

QUESTIONS.

Can I really get sued by a debt collector?

Yes. If you fail to respond they will get a default judgment.

What if I owe the debt do I still have to pay them?

Most people are unaware of how cases like this work. Short answer is no—they have to prove chain of title.

Will I have to show up for court?

Yes, always show up to every hearing. Some states allow via zoom.

If a debt collector is calling, texting, emailing, or mailing you, contact me ASAP!

Fast analysis. Professional insights. A clear strategy for every collection communication method.

We comply with the Telemarketing Sales Rule (TSR) and the Credit Repair Organizations Act (CROA). No fees are charged before services are completed and documented. By submitting your information, you authorize True Credit Advocates to contact you via email, SMS, or phone with your consent.

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