If you’ve spotted Keystone Law LLC on your credit report, it likely means they are pursuing a debt tied to your name. Collections like these can damage your credit score and stay on your report for years if not handled properly.
Here’s what you need to know about Keystone Law LLC and how to remove their account from your credit report.
Who Is Keystone Law LLC?
Keystone Law LLC, formerly operating as Joel Cardis LLC, is a debt collection law firm based in Wyalusing, Pennsylvania. They assist creditors by pursuing unpaid debts, which often involves legal action.
If Keystone Law LLC appears as a collections account on your credit report, they’ve been hired to recover money that you allegedly owe.
Who Does Keystone Law LLC Collect For?
Keystone Law works with:
- Credit card companies
- Medical providers
- Loan companies
- Other original creditors
Their focus is recovering overdue debts, which can include anything from unpaid medical bills to credit card balances that have gone into default.
Is Keystone Law LLC Legit or a Scam?
Keystone Law LLC is a legitimate debt collection law firm. That said, even legitimate collectors sometimes report incorrect information or try to collect on debts they can’t validate.
Always verify the debt before making payments or agreeing to any terms.
How to Remove Keystone Law LLC From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but they don’t have to remain there that long. You can remove them by:
- Disputing inaccurate information: Check your credit report for errors tied to the account and file a dispute with the credit bureaus.
- Requesting debt validation: You have the right to request proof that the debt is yours. If they can’t provide valid documentation, they must remove the account.
- Negotiating a pay-for-delete: Sometimes you can offer payment in exchange for having the account removed entirely. Always get the agreement in writing.
- Hiring a credit repair company: Professionals can help you challenge negative items and improve your credit faster.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Keystone Law LLC?
Before contacting Keystone Law:
- Confirm the debt is valid
- Check the amount is accurate
- Understand how making a payment could affect your credit
In some cases, paying a collection account won’t improve your score unless you negotiate for removal first. That’s why many people work with credit repair services to explore their options.
Can Keystone Law LLC Sue You or Garnish Your Wages?
Yes, Keystone Law LLC has the authority to sue for unpaid debts. If they file a lawsuit and win:
- They can garnish your wages
- They may levy your bank account
Wage garnishment laws vary by state, and some income types are protected. Legal action is often seen as a last resort after other collection efforts fail.
Keystone Law LLC Contact Information
Address:
Keystone Law LLC
202 State St, Suite A
Wyalusing, PA 18853
Phone:
(610) 239-7147
Keystone Law LLC Complaints
Like most collection agencies, Keystone Law has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or excessive phone calls
- Failure to validate debts
If you experience these issues, you can file a complaint and dispute the information with the credit bureaus.
Know Your Rights When Dealing With Keystone Law LLC
You have rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA):
- You can dispute incorrect credit report information
- You can demand written proof of the debt
- Debt collectors cannot harass or threaten you
- They must clearly identify themselves as a debt collector
- They cannot threaten arrest or imprisonment over unpaid debts
Understanding your rights can help you handle collection agencies more confidently.
Get Keystone Law LLC Removed From Your Credit Report
A collection account from Keystone Law doesn’t have to stay on your credit report. Credit Saint has helped thousands of people challenge negative items—and they even offer a 90-day money-back guarantee for peace of mind.
Want to clean up your credit? Visit their website or call (855) 281-1510 to see how they can help.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
