The Credit Defense League
Paul Cohen - Phone: 201-832-0929

The Credit Defense League Mission Statement

This organization was formed for people who are in a debt-burdened situation and have probably exhausted many avenues to correct the malady. The problem is clearly over reliance on Debt which has become a crutch and is a problem.

The State of the Consumer Credit today has forced many families into a stressful, overwhelming position. The Credit Card issuer’s have designed a plan to maximize their profits and limit their losses. This has happened at the consumer’s expense. The trillions of dollars monetized in this industry has reached staggering proportions. Banks merely broker these credit lines through Wall Street funding agencies utilizing creative financing approaches to use the concept known as “other people’s money”. This has contributed to an attitude by the credit card issuer that your long term relationship with the company doesn’t matter any more.

Being able to keep up with the mounting debt has exhausted many families disposable income . Ever-raising interest rates, late fees and increasing minimum payments have eroded the family budget.

This Program has been designed by people for people . We strive to bring back our client’s self-respect and options to live their financial life and regain their freedom.

It may appear at some time that you situation is hopeless. Yes! The cards are stacked against you and it appears that you are in financial ruin.

Here comes an organization made up of credit professionals, attorneys and paralegals with one common goal: use the existing consumer protection laws for the consumer to create the leverage to stand up to a Banking Industry whose power has grown to the point where it appears that a consumer has no chance to stand up against their might.

The collection industry which is made up of collection agencies, credit card receivable debt buyers and collection attorneys including the state court system have run rampant over consumer rights for many years without any check and balance. The collection industry has denied the American consumer the same rights afforded to criminals in the criminal justice system.

The system presumes the consumer is guilty with the task to prove oneself innocent.

At every stage of the Debt Cycle the unassuming consumer is literally trapped bythe deceptive practices of the credit card issuer who set the stage for their unfair advantages at the very beginning of the relationship.

The fine print account agreement which is never officially signed or explained lays the groundwork for the series of traps which are set the moment the card is used.

The Credit Defense League provides a two stage approach to assisting the Consumer laden in debt:

CREDIT REHABILATION

First of all the credit reporting agencies, though our proprietary methods, will be the target of a compliance audit.This is performed on the clients credit reports from the three bureaus. The credit reports of the client are carefully scrutinized to identify adverse or negative tradelines which are the source of our focal point . These are among the detrimental factors lowering the FICO score.

Our efforts will push the envelope to force the Bureaus to comply with the sections of the Fair Credit Reporting Act. The efforts will result in the deletion of the tradelines effecting the FICO and thus providing an increase in the reported rating. This process usually takes a period of six months . Our efforts will continue until the desired result is achieved.

DEBT RESOLUTION

The Credit Defense League monitors all activity of the Collection Process. This begins at the moment the Credit Card Issuer assigns the defaulted account to a Third Party Collection Agent.

At this time in the defaulted debt the Federal laws are supposed to be adhered to (The FDCPA), The Fair Debt Collection Practice Act comes into play. All communications which include telephone calls and written correspondence are to be handled within strict guidelines. If any attempt to depart from the prescribed mode of conduct is made the individual and the company employing them are liable for violations clearly prescribed under the law.

The program targets the violating collector and agency to utilize the violations and the Law to bring about a real resolution to the clients debt position.

Our Program challenges the violating collector with the full impact of Legal action in Federal District Court. Our Attorney & Paralegal Network will be drive home the charges to the parties involved. The result of this approach will tip the scale in favor of the Consumer.

Yes! The tables will be turned in the favor of the client who up until now has had no options accept caving in to a monster system or be blacked listed for seven to twenty years with blemished credit from Credit Bureaus who make a living of selling negative information to lenders. This is the good ole boys club. Our Program challenges this club and uses all legal measures to tip the advantage to the little consumer who has literally no support network.

Now you do have a support network - The Credit Defense League.

In the initial stages of our program we personally develop the strategy which we will be utilizing in your situation. Our Credit Professionals (non-attorney) will lead the way to educate, advise and provide all the required support to make this experience successfully according to the prevailing State and Federal laws.

Legal guidance will be provided by Licensed Attorneys with expertise in our Industry .

Our Goal is to exceed your expectations.

Paul S Cohen
Program Coordinator
P.O. Box 554 Saddle River, New Jersey 07458
201-832-0929

866-449-3433(E-Fax) .

If you are interested in reading the governing laws behind our service,
the Fair Credit Reporting Act and the Fair Debt Collection Practice Act,
please click on the links below: