Keystone Law LLC

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Is Keystone Law LLC hurting your credit score?

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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 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.)

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 work with people who want to get 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

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?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Keystone Law LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 about you.
  • 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!

Credit Saint can assist you in disputing Keystone Law LLC accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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