Unsecured debts include the following:

• Credit Cards
• Collections
• Unpaid medical bills
• Personal lines of credit
• Any other debt not secured by a hard asset

Essentially, our Debt Settlement Plan allows you to both settle and get out of debt within 3 to 4 years based on YOUR monthly budget.  The attorneys handling your case are able to (in most situations) facilitate a bulk negotiation [with your as well as dozens of other clients dealing with the same creditors] so you can save thousands of dollars by paying an average of 40 to 50 cents on the dollar with your settled accounts.

Because we are not paid by the credit card companies like the “non-profit” credit counseling agencies, we do not have to negotiate for a “face value” settlement and can reduce your debts as low as possible with the settlement offer.

Call Today for a FREE consultation!  1-888-385-6742

AGREEMENT BETWEEN USER AND LEGALCREDITASSIST.COM

The LegalCreditAssist.com (“LCA”) Web Site is comprised of various Web pages operated by LCA.

The LCA Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the LCA Web Site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

LCA reserves the right to change the terms, conditions, and notices under which the LCA Web Site is offered, including but not limited to the charges associated with the use of the LCA Web Site.

LINKS TO THIRD PARTY SITES

The LCA Web Site may contain links to other Web Sites (“Linked Sites”). The Linked Sites are not under the control of LCA and LCA is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. LCA is not responsible for webcasting or any other form of transmission received from any Linked Site.  LCA is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by LCA of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the LCA Web Site, you warrant to LCA that you will not use the LCA Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the LCA Web Site in any manner which could damage, disable, overburden, or impair the LCA Web Site or interfere with any other party’s use and enjoyment of the LCA Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the LCA Web Sites.

USE OF COMMUNICATION SERVICES

The LCA Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

* Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

* Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

* Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.

* Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.

* Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.

* Conduct or forward surveys, contests, pyramid schemes or chain letters.

* Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

* Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

* Restrict or inhibit any other user from using and enjoying the Communication Services.

* Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

* Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

* Violate any applicable laws or regulations.

LCA has no obligation to monitor the Communication Services. However, LCA reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. LCA reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

LCA reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in LCA’s sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. LCA does not control or endorse the content, messages or information found in any Communication Service and, therefore, LCA specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized LCA spokespersons, and their views do not necessarily reflect those of LCA.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO LCA OR POSTED AT ANY LCA WEB SITE

LCA does not claim ownership of the materials you provide to LCA (including feedback and suggestions) or post, upload, input or submit to any LCA Web Site or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting LCA, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. LCA is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in LCA’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE LCA WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. LCA AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE LCA WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE LCA WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

LCA AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE LCA WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. LCA AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LCA AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE LCA WEB SITE, WITH THE DELAY OR INABILITY TO USE THE LCA WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE LCA WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE LCA WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF LCA OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE LCA WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE LCA WEB SITE.

SERVICE CONTACT : webmaster@legalcreditassist.com

TERMINATION/ACCESS RESTRICTION

LCA reserves the right, in its sole discretion, to terminate your access to the LCA Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the LCA Web Site. Use of the LCA Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and LCA as a result of this agreement or use of the LCA Web Site. LCA’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of LCA’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the LCA Web Site or information provided to or gathered by LCA with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and LCA with respect to the LCA Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and LCA with respect to the LCA Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the LCA Web Site are: Copyright 2007 by Aegis Credit Systems, LLC and/or its suppliers. All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider’s Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

WHEN DID LCA START IN BUSINESS?

LCA’s Credit Restoration System was developed in late 2006.

HOW MUCH EXPERIENCE DOES LCA HAVE IN HANDLING CREDIT RESTORATION?

LegalCreditAssist.com’s staff has over 40 years combined experience in the financial and credit industries and has facilitated the removal of negative items and/or correction of over 700,000 negative entries from tens of thousands of its clients’ credit reports since inception.

Get Started Now!

DO YOU GUARANTEE YOUR SERVICES?

If you come upon a credit repair company that claims they can guaranty a specific credit score, TURN THE OTHER WAY AND RUN because it’s probably a scam of some sort.  Fair Issac Company intentionally made it’s credit scoring algorithms complex and because of this it is virtually impossible to guarantee the results of what ANY third party will do.  This would be no different than a doctor guaranteeing the outcome of an operation or an attorney guaranteeing the outcome of a trial.  We use our proven methods of credit restoration to yield you the best results humanly possible.  LCA backs its service with our “No Risk – $5,000 Guarantee.”

HOW MUCH DOES YOUR SERVICE COST?

Our credit repair system is so powerful and affordable that we’ve had many attorneys as clients!  We charge a modest account set-up fee which includes the cost of setting-up your files, ordering your credit reports from all 3 major credit bureaus and auditing your credit files to determine the best strategy for your situation.  Then we have a low flat rate that is billed each month after we’ve completed our dispute work on your behalf.  To have an attorney do the same work could cost a couple of thousand dollars.

The highest cost to you is not doing anything and keeping a poor credit rating! A poor credit rating will cost you in higher interest payments (every month and year).  The average interest rate you’re paying could be double or triple the best market rates if your credit scores are too low (typically below 660).  This is costing you hundreds to thousands of dollars more per year, each and every year that you do nothing.  LCA’s goal is to improve your credit rating by removing the negative information that are damaging your credit score.  We also provide education and support that will allow you to maintain your good credit rating going forward.  The cost of doing this is minimal – $69 per month per person or $129 per month for couples plus a nominal file audit setup fee of $149 for one person and $199 for a couple.

We now offer full Debt Settlement Services where we can help you consolidate and settle all of your unsecured debts for as low as 40 to 50 cents on the dollar with low affordable monthly payments!.   If you chose to have us help you with settling outstanding collection accounts with our Debt Settlement Program, there is an additional set-up fee of $199 for an individual or $299 for a couple once your total monthly budget is determined.

Get Started Now!

The Process

LCA makes use of several consumer laws that protect and enforce our rights including the: Fair Credit Reporting Act (FCRA), Fair Accurate Credit Transactions Act (FACTA), Fair Credit Billing Act (FCBA) and Fair Debt Collections Practices Act (FDCPA) in helping clients to enforce their legal rights and improve their credit. We adhere to the most stringent privacy guidelines to protect your personal information.

STEP 1: Enroll with LCA
Call or email us at 1-888-385-6742 or Sales@LegalCreditAssist.com.  We will request important personal information that we will need to assist you.  Finally you will be directed to order your credit reports (go to either (or if you’d prefer, we can order your reports for you.  Once you obtain your credit reports please mail them to use as soon as possible.  Do not write on or modify them in any way.

STEP 2a: Order Your Credit Reports (FREE or Paid)
To order your credit reports for FREE (once per year, per person unless other circumstances apply-see below), simply go online to: www.annualcreditreport.com and follow the instructions to order one credit report from each of the three major credit bureaus, or you can call: 1-877-322-8228 to order your free credit reports.  If neither of these is an option because you were not able to pass the security questions, you can simply mail in your request (form is available online at: https://www.annualcreditreport.com/cra/requestformfinal.pdf) and mail with copy of your picture ID (with current address) and social security card to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

Whether you go online or call, you will be asked security questions including your full name, address, social security number, date of birth, and other questions only you should know such as the amount of your monthly mortgage or car payment.

Other ways to get your credit reports for FREE…

According to the Fair Credit Reporting Act (FCRA), you qualify for a free report from the three major credit agencies if:

* You are unemployed and intend to apply for employment within 60 days
* You receive public welfare assistance
* You believe your consumer file contains inaccurate information due to fraud; and/or
* You have been the subject of adverse action, such as a denial of credit or insurance, within the past 60 days

STEP 2b: Order Your Credit Reports (Paid)
If you need to pay for your credit reports just contact each of the three credit bureaus by phone and/or by mail and provide the following information: full name (including Jr., Sr. III, etc.), date of birth, Social Security number, current street address, previous address(es) in past three (3) years, phone number, signature (for letter) and applicable fee in check or money order payable to the appropriate credit bureau at the address below.

Equifax Information Services, LLC – $11.00 Fee
PO Box 740241
Atlanta, GA 30374
1-800-685-1111

Experian – $11.00 Fee
PO Box 2104
Allen, TX 75013
1-888-397-3742

TransUnion – $11.00 Fee
PO Box 1000
Chester, PA 19022
1-800-888-4213

STEP 2c: ECS Will Order Your Credit Reports
If you don’t wish to go through the steps of ordering your credit reports, ECS will order them for you.

STEP 3: Review and Forward Documentation
You will receive a welcome email from ECS within minutes of signing up with us online with further instructions on how we will process your account. We will also send you an enrollment welcome kit with pre-addressed labels for mailing in the updated credit reports.  You will also be asked to forward copies of your driver’s license (with your current address) and social security card (or other official document with your Social Security number) as well as a copy of a utility bill.

STEP 4: Send in Your Credit Reports
You will receive all three separate consumer credit reports from Equifax, Experian and TransUnion within approximately two – three weeks.  Once you receive any credit reports (and/or letters), use the pre-addressed address labels included with your welcome kit or just send them to ECS Processing at PO Box 4476, Seattle, WA 98194.

STEP 5: We Go to Work for You
Once we’ve received your credit reports and information, we will send correspondence to dispute negative items on your behalf.  These letters are designed to communicate your dispute in such a way that the credit bureaus will accept the dispute and conduct an investigation.  While this may sound easy, any person who has attempted to dispute his or her own credit will tell you otherwise.  According to federal law, the credit bureaus can ignore your dispute under a variety of conditions.  In our experience, a large percentage of dispute letters sent directly from consumers are rejected under one pretext or another.

STEP 6: You Receive Updates from the Credit Bureaus
The credit bureaus have up to 30-45 days to respond. You should begin paying attention to your mail for ANYTHING that has a return address from Equifax, Experian, or TransUnion about four (4) weeks after you send ECS your credit reports.  Even if it looks like junk mail, forward it to us.  Forward it to us, even if it’s a report with no improvements.  Simply forward everything from the credit bureaus as you receive it.

If you do NOT receive anything from a credit bureau within 50 days, PLEASE NOTIFY US IMMEDIATELY, by email, preferably.  We will need another copy of your most recent report or update, so make a copy of your copy and forward us the best copy.

STEP 7: Repeat Steps 5 – 6 until You Get Your Best Results
Every client is different, but the average time for a client to remain with us is five (5) to eight (8) months. In that time, you should see a significant improvement in your credit file and credit score. Welcome to your fresh start!