ATTORNEY AT LAW
ENJOY FINANCIAL FREEDOM
A CREDIT REPAIR AND BANKRUPTCY LAW FIRM
We focus on all aspects of consumer credit health and financial independence. We are successful because we hold big corporations and the credit bureaus accountable. We uphold your rights as a consumer, and there are many powerful federal and state laws to protect you and your credit.
Bankruptcy is often avoidable, but it is the best choice in many situations. We are pretty smart cookies at our law firm, so we can represent you in either credit repair or bankruptcy endeavors. We give thorough advice so you can choose which case is best for your to meet your financial goals.
WHAT MAKES US SO SPECIAL?
YOU DON'T HAVE TO WAIT 7 YEARS TO REMOVE NEGATIVE INFO FROM YOUR CREDIT REPORT
UNIQUE AND INDIVIDUALIZED LETTERS DISPUTING CREDIT ITEMS FROM A LICENSED ATTORNEY
As attorneys, we have many tools in our toolbox to get derogatory information removed from your credit report, well before the 7 years it supposedly stays on your credit account. We do this by making the credit bureaus follow the law, by properly verifying information (which they rarely do), and if they are violating any credit laws (and there are many!), they must remove the negative information.
Even Congress is fed up with credit bureaus! We utilize all your rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Truth in Lending Act, as well as any state laws available to us.
When you subscribe to our monthly credit dispute and repair services, rest assured the credit bureaus will receive a letter written by a fully licensed California attorney. WE DO NOT SEND FORM LETTERS. We send individualized letters specific to your account. We also have many tried and true developed proprietary strategies to have negative items deleted from your credit report.
Be very careful about credit repair companies. Most of them send form letters, the same letter for every case. Credit bureaus have good systems to detect this, and never remove bad info based on a form letter!
LETTERS EACH MONTH TO THE BUREAUS DISPUTING NEGATIVE CREDIT ITEMS AND HARD INQUIRIES
1 DAY TURNAROUND - NOTIFICATION TO YOU WITHIN 1 BUSINESS DAY AFTER CREDIT BUREAU RESPONSE
We offer subscription services to fit every budget. The goal is to remove harmful credit items, improve your credit score, and boost your financial health. Any subscription level you choose will get results.
No one likes waiting, even us! We want your results just as badly as you do. When a response from a credit bureau is received, we will notify you those results within one business day.
CANCEL ANYTIME VIA THE ONLINE CLIENT PORTAL
COMMUNICATE DIRECTLY WITH AN ATTORNEY
We among the very few law firms who offer a personal login to manage your subscription and communicate privately and directly with the attorney. You are free to update your subscription anytime, as you please. How many law firms can say that?
I am a solo practitioner and like to keep my office and staff simple. Most of the time, you can communicate directly with me. You can text, email, chat, or message me directly at no charge. Phone calls, virtual meetings, and in person appointments may be an additional charge to keep things efficient so I can spend most of my time working on people's cases.
FREE 20 MINUTE INITIAL CONSULTATION
Interested in subscribing to our credit repair monthly services? Take advantage of our free 20 minute consultation to discuss a plan of action. We also offer bankruptcy consultations if you have more urgent matters. Zoom consults are free, or if you want to meet in person, there is $200 consultation fee, but it is waived if you hire me.
OUR PURPOSE
Katherine L. Mulvany has been representing "the little guy (and gal)" since she began practicing law in 2009. It is our pleasure, if not our responsibility, to take on big companies and make them accountable for their corporate greed. They can no longer hide behind untrained employees mistakes or deliberate malfeasance through plausible deniability. They can no longer bully people into debt by reporting lies to the credit bureaus. We take on these losers one client at a time.
The credit bureaus are not much better. They are careless with consumers' credit reporting, and distribute to creditors false information obtained from untrustworthy sources. The credit bureaus insist of NOT following the law; they routinely do not properly investigate disputes, feign an attempt at verifying the reported false information, and routinely post less than accurate information. Because we regularly catch them red handed, your negative items will be quickly removed. Sometimes you can even recover civil damages! They are knowingly culpable and answerable to you and to me for the damages they cause. If we cannot dismantle the racquet that it is, we can certainly impose severe consequences for disseminating flippantly false credit information.
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It is time to stand up to these scoundrels and return the power to the people and to the consumer. We ask difficult and uncomfortable questions. We call corporations out. We expect the truth, and with the truth we will get results.
We are here to help you with the many roads you may take to achieve your financial health goals. You may get the results you want with a few Attorney Demand Letters to your creditors or credit bureau. Sometimes the best idea is a bankruptcy to save your house or car. For the worst corporate offenders, we take them straight to court to recover the damages they caused. Whether your case needs a light touch or an iron fist, we are compliant and well versed in attaining the relief you need.
CONTACT
REACH OUT!
PO Box 892903, Temecula, CA 92589
Email: katherine.mulvany@gmail.com
Text Me: 626.239.8472 (not a voice phone line)
Offices in San Diego, Riverside, Escondido, and Carlsbad, CA
I know it can be scary to contact or talk to an attorney, but I'm not like most attorneys. I'm pretty casual, laid back, and easy to get along with (unless you're a credit bureau.) What do you have to lose with a free consultation?
To set up a free 20 minute consultation, you can email or text me at the numbers above, or please fill out the form below. In the messages, give me a basic idea of which services you need.
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