Law Office of Richard P. Keavney: Handling Debt Validation and Negotiating a Pay-for-Delete Agreement
If you’ve been contacted by the Law Office of Richard P. Keavney regarding a debt, understanding your rights and available options can help you make informed financial decisions.
📍 Contact Information for Law Office of Richard P. Keavney
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Address: 3828 W Carson Street, Suite 100, Torrance, CA 90503
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Phone: (310) 406-3800
For accurate contact details, check their Yelp reviews.
🔹 Debt Validation: Protecting Yourself from Unverified Debt
Before making any payments, it’s essential to verify the legitimacy of the debt. Debt validation ensures that creditors provide concrete proof that the debt is yours and that they have the legal right to collect it.
1. How to Request Debt Validation
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request verification of the debt. Here’s how:
✅ Send a Debt Validation Letter: Request written proof, including the original creditor’s name, the amount owed, and relevant documentation. Use certified mail for records.
✅ Check for Errors: Examine the documentation for inconsistencies, such as incorrect amounts, outdated debts, or mistaken identity.
✅ Challenge Invalid Debts: If the creditor cannot validate the debt, they must stop collection efforts.
🔗 Learn more about your rights with a FDCPA Lawyer.
🔹 Negotiating a Pay-for-Delete Agreement
A pay-for-delete agreement is a strategy where a creditor agrees to remove a negative account from your credit report in exchange for payment.
1. Steps to Negotiate Pay-for-Delete
- Confirm the Debt is Yours: Ensure the debt is legitimate before negotiating.
- Propose the Agreement in Writing: Send a formal request to the creditor or collection agency, offering to pay in exchange for deleting the account from your credit report.
- Get It in Writing: Never rely on verbal promises. Ensure you receive written confirmation before making a payment.
- Monitor Your Credit Report: After the agreement, check your credit report to confirm the account has been removed.
🔗 Read more about Debt Negotiations.
📞 Need Legal Assistance? Contact Consumer Rights Law Firm PLLC
If you’re facing aggressive collection efforts from the Law Office of Richard P. Keavney, our attorneys can help you validate debts and negotiate settlements to protect your credit and financial stability.
📞 Call 877-700-5790 today for a free consultation!
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