ASSOCIATION WITH CREDIT BUREAUS, OBTAINING FINANCIAL AND SKIP-TRACING INFORMATION AS WELL AS ADVERSLY AFFECTING ONE’S CREDIT RATING:
We are on-line with LEXUS-NEXUS, EXPERIAN CREDIT CORPORATION AND ACCURINT. These memberships provide databases containing current and previous residential address information for individuals throughout the United States. Our subscriptions provide instant access searches whereby concrete results are often obtained on line within seconds. The capability to obtain credit reports as well as adversely affect one’s credit rating by reporting the amount due you as being past due are both part of the membership privileges with Experian. We will adversely affect one’s credit after obtaining your authorization. This information will remain on the debtor’s records for seven (7) years!
Where an account remains unpaid and has a balance worthy of litigation, we will, with your authorization, commence a lawsuit against the debtor. As such, we will not begin litigating without your prior written authorization. Generally, we will consider recommending litigation where we believe the debtor has the means to pay. In this respect, our ability, where permissible, to run credit reports via the Internet provides fast and efficient information that assists in our analysis whether to recommend litigation. When litigating, in addition to seeking recovery of the principal amount past due, we will seek interest from the last date of service (the legal rate of interest in New York is 9%). Moreover, we will seek reimbursement for court costs and disbursements. Judgments are collectible up to twenty (20) years in New York.
If you wish to learn more about our firm, please feel free to call or email us. We will be delighted to discuss our services more fully. We will be happy to meet with you at your office or ours.
We look forward to hearing from you and being afforded the opportunity to be of service to you.