The Doc Pros
Who We are
We are a company that strives to help our clients obtain the proper documents for their specific needs. We facilitate the documents going out for our clients and the responses required. We have a complete line of tailored documents to enhance and assist our clients.
About Us
Validation
The validation program is designed to assist you in preparing documents which enable you the consumer to challenge the ability of a collection agency or third party debt collector to collect an alleged debt from you. Should the debt collector not be able to provide the appropriate documentation then they no longer have the authority to try and collect the debt from you. The program also includes education about healthy financial habits as well as provides the ability to learn and understand how to identify potential violations of your consumer rights. This aspect of the program may end up with complete debt waiver tradeline deletion and sometimes even money to you.
What We Can Do For You
Our Services
How It Works
Debt Resolution, also known as Debt Validation, refers to a consumer’s right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer’s rights under the United States…
Laws we Use
The Fair Credit Reporting Act (FCRA) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports…
Years Experience
Satisfied Clients
Testimonial
Feedbacks from Our Clients
I had no idea that there was a financial program out there that could help me to resolve my debts so quickly and efficiently. I talked to a lot of companies that gave me the "the run around" but with The Doc Pros it was all very direct and easy for me to understand. My enrollment agent was terrific at answering my numerous questions and the customer service was all around superb- helping me navigate that big stack of bills I could never seem to get a handle on. I have recommended this program to my family and friends and standby this company's methods 100 PERCENT!
"Martin A"
I was overwhelmed with creditor call when I first enrolled. The Doc Pros guided me in the right direction that was best for me. I feel prepared to handle whatever creditor calls come my way. This help is TOTALLY different from Consolidation and Settlement, so make sure and ask any and all questions you have to be fully educated on the program! They are very forthcoming with information and explanations. I am completely satisfied with the help and results I have achieved thus far.
"Edward P"
Faq's
Pre answered some question's
what you want
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What is validation of debt?
Debt validation is where you try to find out whether the collection agency has the legal right to collect on the debt by asking them to provide you with proof. The FDCPA gives you the right to seek validation from a collection agency and not the original creditor. The FDCPA does not govern collection practices of the original creditor.
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Is there a time limit for validation of debt?
Under the FDCPA, debt collectors (collection agencies) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter.
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How are you helping me if my accounts are all going into collections?
We are helping you prove that the alleged debts that you have enrolled into our program are valid debts and that the third-party collection agency may legally collect on that debt. Many times, third-party collection agencies are not able to prove that the accounts they’re attempting to collect on are valid. If they are unable to prove that they have the right to collect on a debt, they are legally no longer able to attempt collection.
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How long does it take for the original creditors to sell my alleged debt to a third-party collection agency?
The time frame for an account to be sold to a third-party collection agency varies by creditor and account type. Typically, accounts are sold over between 3-9 months from the date of the first missed payment; however, this is not guaranteed.
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What is the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Under the FDCPA, debt collectors include collection agencies, debt buyers, and lawyers who regularly collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These debt collectors are also usually called debt collection agencies, debt collection companies, or debt buyers.
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What is the FCRA?
The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. The top three credit reporting agencies that we deal with are Experian, Transunion, and Equifax.
Under the FCRA:
1. You have the right to know what is in your file.
2. You have the right to dispute incomplete or inaccurate information.
3. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
