Many times, in order to sell the account to a collector for a higher amount – an original creditor will add hundreds of dollars in interest and late fees to an account before charging it off. The balance of the debt doesn’t affect Credit in Motion's ability to assist you in verification – this change in the account balance does not affect your program cost either.

Credit in Motion offers its members assistance in preparing Account Verification Requests & Report Data Disputes. Members of the Document Preparation Assistance Program are also offered other benewts through independent service providers; these benefits include but are not limited to education regarding debt verification programs, good financial habits, and credit health. The funds that you pay go towards these benefits, as well as the document preparation assistance offered by Credit in Motion.

The Fair Debt Collection Practices Act (FDCPA) mandates that every collector must send you a written “validation notice” within five (5) days of the first time they contact you via phone. This validation notice is a collection letter, and must include the following information:
a. The amount of money you allegedly owe
b. The name of the collector seeking payment (their company information)
c. That you have the right to dispute this debt within 30 days
d. Disputing this debt is our debt verification process

Validation Process Complete means that you have finished processing all the verification documents with a specific collection agency and that an alleged debt has become uncollectable with that specific collection agency

The documents we assist you in preparing require a debt collector to prove that an alleged debt belongs to you, that they have all of the information correct, and that they have the authority to collect the alleged debt. If a debt collector is unable to provide the information required of them, that debt collector can no longer pursue you for payment, and the debt becomes “uncollectable” for that specific debt collector.

Sometimes the debt collector will send an incomplete or partial response in an attempt to verify the alleged debt. We analyze whatever the debt collector provides and assist you in preparing further documentation to reply to their insufficient response. Please understand that there are many, many things debt collectors are required to provide to fully verify an alleged debt and their claim to it.

The debt collector may confirm that they are no longer pursuing payment for this alleged debt by sending what our team refers to as an “Uncle Letter.” This letter simply states that they are no longer collecting on the debt. Upon sending the “Uncle Letter,” the debt collector may refer the account back to the original creditor; sometimes, they will do nothing else with the account, and collection efforts will cease.

We are educating you on debt veriwcation and consumer rights to ensure that you are fully equipped for the upcoming tactics that original creditors, collection agencies, and debt collectors may try. The independent service providers with whom we have built relationships will also be working to educate you on healthy financial habits and good credit practices. The beginning of our program is crucial in laying a strong foundation for the Debt Verification and then the Report Data Dispute process.

If you have previously had legal action taken on an account, it cannot be enrolled in our Document Preparation Assistance Program.

An agency may try to collect on a debt up until the statute of limitations in your state. In rare cases, you may receive a collection letter after the statute of limitations – but there will be special language on that letter stating that the statute of limitations has already passed.

An account can be sold over from one collection agency to another several times; it is not common for an account to be sold over more than 3-5 times. There is no need to worry as we will continue to request verification of the debt with whichever collection agency is attempting to collect on the debt at that time.

Typically, a debt is “charged off,” or written off as a bad debt by the original creditor after no more than 180 days from the wrst missed payment. After the debt is charged off your debt is usually transferred or sold to a collection company or debt buyer. It may take time for your information to be processed and input into the collector’s system.

The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collectors from using abusive, unfair or deceptive practices to collect debts from you. Under the FDCPA, debt collectors include collection companies and debt buyers.

Collection companies include collection agencies and lawyers who are regularly contracted by original creditors to attempt to collect debts for as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then attempt to collect them; these debt collectors are usually called debt buyers.

If you cancel within 5 days of signing your agreement, you are due a full refund of any fees paid in during
that time. After that 5 day period, refunds are given if an account is veriwed by the creditor or collector OR
if a creditor takes legal action against you on an enrolled account.

When a dispute is lodged with a credit bureau, the credit bureau starts an investigation. The credit bureau contacts the creditor that reported the information – or “data furnisher” – and requests that they prove that the information was reported accurately and fairly. The creditor has 30 days to send proof to the credit bureau. If adequate proof is not provided, the inaccurate information is corrected or removed from your credit report.

The Doc Pros’ goal is to verify and invalidate your enrolled accounts with third-party collection agencies and debt buyers. Should these collection companies appear on your credit report after they were unable to verify your debt, they may be violating your rights. Credit in Motion may be able to get you in touch with an independent law firm that specializes in protecting consumer rights.

Should you feel information being reported by an original creditor is being done so in error, The Doc Pros can also assist you in preparing documentation to open an investigation on those remarks.

We are here to help alleviate your stress. Your monthly payment was calculated based on your input about your budget and what you could afford when you signed your agreement. If your circumstances have changed, please call Credit in Motion and speak with one of our representatives so that we can assess your situation and try to meet your needs. We will do our best to accommodate you.

There is no way for us to predict whether a creditor may or may not take legal action against you while enrolled in this program. Should that happen, you will receive a refund of funds you’ve paid in towards the account which action was taken against, please see your agreement with Credit in Motion for the various ways this refund may be paid. We will also refer you to an independent law wrm that may be able to assist you in this situation.

There is no way for us to predict whether a creditor may or may not take legal action against you while enrolled in this program. Should that happen, you will receive a refund of the funds you’ve paid in towards the account which action is taken, please see your agreement with Credit in Motion for the various ways this refund may be paid. We will also refer you to an independent law firm that may be able to assist you in this situation.

Our success rate varies based on each client’s situation. We have had tremendous success in the past for each client. Not all enrolled accounts will go through the program successfully, but the majority of accounts can be verified by debt collectors.

Our independent service providers are companies with whom we have built relationships. These companies offer our clients services such as consumer rights education, assistance if creditors/debt collectors take legal action against an enrolled account, representation if your consumer rights are violated, tips on healthy financial habits and good credit health and many other invaluable benefits.

These companies are completely separate from Credit in Motion , which is why we refer to them as “independent service providers,” we are only affiliated through a shared goal of the best interest of our clients!

If you are bothered by creditor calls, please call Credit in Motion ! The creditors and/or debt collectors may be violating your consumer rights.

Yes, Once you have finished processing all the verification requests on your enrolled accounts have begun to send Report Data Disputes

Credit in Motion do not offer any sort of loans or financing; Credit in Motion cannot and do not guarantee that you will receive any type of financing or other benefits as a result of being enrolled in the Document Preparation Assistance Program