Keystone Law LLC


Is Keystone Law LLC hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Keystone Law LLC?

Keystone Law, LLC, formerly Joel Cardis, LLC, is a debt collection law firm located in Wyalusing, Pennsylvania. They represent creditors in the recovery of unpaid debts.

If Keystone Law LLC appears on your credit report as a collections account, it means that they are handling a debt you supposedly owe.

Who does Keystone Law LLC collect for?

Keystone Law LLC works primarily on behalf of original creditors in the recovery of past-due debts. This could include credit card companies, loan providers, medical facilities, and more.

Is Keystone Law LLC legit or a scam?

Keystone Law Firm is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Keystone Law LLC from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

In addition to collections, they will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Keystone Law LLC Contact Information


Keystone Law LLC
202 State St. Ste A
Wyalusing, PA 18853

Phone number: (610) 239-7147

Should I contact or pay Keystone Law LLC?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Keystone Law LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like Keystone Law Firm on behalf of their clients.

Will Keystone Law LLC sue me or garnish my wages?

Keystone Law, LLC has the legal authority to sue you for unpaid debts. If they decide to take this route and the court rules in their favor, they may obtain a judgment against you. This judgment can potentially allow them to garnish your wages or levy your bank accounts, depending on the laws in your state.

However, both federal and state laws provide protections and limits on wage garnishment, and certain types of income may be exempt from garnishment altogether.

Keystone Law LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Keystone Law LLC

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Keystone Law LLC to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Keystone Law LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Keystone Law LLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Keystone Law LLC cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Keystone Law LLC From Your Credit Report Today!

Credit Saint can help you dispute Keystone Law LLC accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.