While you are not legally required to have an attorney, working with a consumer protection lawyer can significantly improve your chances of success—especially if your dispute has already been denied. Creditors often take legal representation more seriously and may be more inclined to investigate properly when a lawyer is involved.
An attorney can help you prepare a stronger dispute, ensure that all required documentation is included, and communicate directly with creditors and credit bureaus. If your rights were violated under the FCRA or FDCPA, a lawyer can pursue compensation on your behalf through a lawsuit.
Having legal support is especially critical if the fraudulent account is affecting your credit score, housing applications, or loan approvals. Some clients also suffer emotional distress or reputational harm due to unresolved identity theft, which may be recoverable through litigation.
At the Law Office of Balam O. Letona, we specialize in helping identity theft victims restore their credit and hold creditors accountable when they refuse to do the right thing. A free consultation can help you understand your rights and decide how to move forward.
