At I thought my lowest point was in prison, I had some many plans with no capital My credit scores were low 400’s and I had over five collections sitting on my credit report. I was getting denied for apartments, cars, and even the smallest credit cards. And the times when I was approved, the interest rates were insane 21%, 29% I was frustrated, embarrassed, exhausted and honestly I was ready to give up and accept this was my reality. I paid this guy $350 to fix my credit after a year of waiting. I took matters into my own hands. I ended up spending hundreds more from joining communities to courses.

I’ve stood in the exact place you’re standing now. I know what it’s like to rebuild from nothing, to carry the pressure of past financial decisions, and to start over while others silently expect you not to make it. I understand the struggle of being a single father trying to keep everything together while credit problems pile up and the bills keep coming. I’ve lived through the stress, the setbacks, and the reality of severely damaged credit

Then everything changed when I discovered the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Once I learned how to enforce my consumer rights, the intimidation stopped. Debt collectors no longer controlled the conversation—I did. I knew exactly how to respond, no matter how they contacted me. And when they violated my rights, I took action. I sued them, and they started sending settlement checks and removing negative accounts from my credit reports.

That was the turning point that changed my entire life. That moment changed my life as a man, as a father, and as a provider.

Today, my mission is simple:
To help real people take back control of their credit, challenge negative accounts, remove inaccurate information, and finally stand up to the collectors and systems that once felt impossible to fight. Most people were never taught their rights. Most don’t know they have the power to push back. Many believe the credit system is designed to punish them—but the truth is this: the law is on their side. And when you understand those laws, everything changes. You gain confidence. You gain leverage. You gain freedom. My mission is to help you use those protections to rebuild your credit, reclaim your peace, and create a financial future you’re proud of..

True Credit Advocates exists because I got tired of watching everyday people get taken advantage of by fake “gurus,” misleading influencers, and overpriced credit repair programs that never create real results. People deserve better. They deserve the truth, the tools, and the guidance that actually changes their life—not false promises or quick fixes. I built this to give people real power, real knowledge, and real outcomes. I offer credit repair, credit rebuilding, and debt collection support built on real laws, real strategy, and real experience. I use the exact same methods I used to repair my own credit—methods that helped me challenge and remove inaccurate negative accounts that were holding me back. So if you’re dealing with bad credit, collections, or debt collectors who won’t stop calling, you’re not alone. I’m here to guide you through it, protect your rights, and help you rebuild your financial future with confidence..