Credit
Reporting
Unfortunately, creditors don't always obey the law and properly report a
person's credit.  This is particularly true for those who have filed bankruptcy.

Over the years we discovered that creditors often fail to properly report the
bankruptcy discharge on credit reports. You may have already discovered this
problem if you went to buy a house, a car, or to rent an apartment after receiving
your bankruptcy discharge.

After researching the problem and learning that almost every discharged debtor has
this problem, we have decided to provide a free credit report review to those who
have obtained a bankruptcy discharge. Our objective is to determine whether any
former creditors are violating the Fair Credit Reporting Act, the bankruptcy
discharge, and other applicable state and federal statutes or the common law.

If we find that any of the creditors that were included in your bankruptcy have failed
to report that the debt was discharged, we will assist you in preparing a letter to
appropriate credit reporting agencies notifying them of the errors. In the event that
they fail or refuse to correct the error, you may be entitled to statutory damages of
$100.00 to $1000.00 for each creditor in violation of the Fair Credit Reporting Act. If
your creditors fail to correctly report the discharge, we can handle the case on a
contingency fee basis which means you owe us nothing unless we recover money
for you from your creditors.

When a creditor fails to properly report that your debts have been discharged in
bankruptcy, it can cause you to have a much lower credit score than if the debts
were properly noted as discharged. When this is not corrected, you may have to pay
a much higher interest rate when you buy items on credit such as a car or a new
house. This can cost you thousands of dollars on a car loan and tens of thousands
of dollars when you buy a house. Sometimes these errors can cause a credit
application to be denied simply because your credit report still says that you owe
the debts which were discharged.

One of the reasons you filed bankruptcy in the first place was to obtain a fresh start.
When your credit report is inaccurate you are denied the full benefits of the
bankruptcy discharge.

We can pull your credit reports when you come in for your free credit report review,
or you can obtain a free copy of your credit report from each of the three major
credit bureaus through the website www.annualcreditreport.com. Congress ordered
the credit bureaus to allow everyone one free credit report from each of the three
credit bureaus per year.

Please contact our office to arrange your free credit report review. It is well worth
the time to find out whether or not your credit report is accurate. If your creditors
are failing to report the bankruptcy discharge properly, we can help you. Best of all,
your creditors will have to pay our attorneys fees for solving the problem and may
have to pay you damages if they have violated the law.

                                     
MANCHEE & MANCHEE, PC
12221 Merit Dr. Suite 950
DALLAS, TEXAS 75251
A Full Service Law Firm Since 1976
972-960-2240

All attorneys are licensed by the Supreme Court of Texas and admitted to practice before the United States District Courts for the Northern & Eastern Districts of
Texas. William L. Manchee is also admitted to practice before the United States Tax Court.

The firm assists clients in filing bankruptcy and therefore is a Debt Relief Agency.

No one in the firm is board certified in any area of specialization.