Notice: We are still operating during the COVID-19 crisis. However, we are not allowing visitors to our office and most of our staff is operating remotely. Our attorneys and staff are still available to help you by phone and email. If you get our voice mail, please leave a message and it will be returned promptly. There may be delays with mail due to the crisis, so please try to send documents by email after submitting a contact form here or fax to 312-419-0379, if possible.

Clearing up Credit

Question: I have $7000 in debt from medical bills as well as creditors how do I go about clearing up my credit?

Answer: If the items are accurate, they may remain on your report for 7 years from chargeoff or 7.5 years from the first delinquency that led to the chargeoff, whichever is earlier. Paying or settling the debts would result in changing the items to paid/ settled collection items. It would not result in removal unless the furnisher of the information agrees, which they sometimes will. Document any such agreement in writing.

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