Who is Keystone Law LLC?
Keystone Law, LLC, formerly Joel Cardis, LLC, is a debt collection law firm located in Wyalusing, Pennsylvania.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Keystone Law LLC collect for?
Keystone Law LLC specializes in recovering past due debts on behalf of original creditors.
Is Keystone Law LLC legit or a scam?
Keystone Law Firm is a legitimate debt collection company. However, they may repeatedly spam call, text, or email you.
How can I remove Keystone Law LLC from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Lexington Law Firm is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law Firm 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.
Call Lexington Law now to learn more: (800) 220-0084
Keystone Law LLC Contact Information
Address:
Keystone Law LLC
202 State St. Ste A
Wyalusing, PA 18853
Phone number: (610) 239-7147
Should I contact or pay Keystone Law LLC?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.
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.
And they may be able to help you too.
Will Keystone Law LLC sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Keystone again.
Call Lexington Law to learn how they can help you.
Wage Garnishment
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Keystone Law LLC to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is Keystone Law LLC hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
Keystone Law LLC Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law Firm knows that you have rights, and Keystone Law LLC does too.
Your Rights When Dealing with Keystone Law LLC
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Keystone Law LLC to report inaccurate or incomplete information on your credit report.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Keystone Law LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Keystone Law LLC must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Keystone Law LLC cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Keystone Law LLC From Your Credit Report Today!
Lexington Law can assist you in disputing Keystone Law LLC accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law Firm.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
