Anytime you stop paying on a credit card, car, telephone, utility or medical bill, it can be turned over to a collection agency within 3-6 months. There are two kinds of collection agencies: the kind that represent you, and the kind that come after you once they have purchased your debt from a creditor.

Legally, a collection can remain on your credit report for up to 7 years and the agency can file a lawsuit within 6 years. If a lawsuit is filed, a judgement (with 12% annual interest) will be entered and can stay on your credit report for up to 10 years or more. Judgments can turn into wage garnishments and 25% of your paychecks could be deducted and sent to the creditor until your collection is paid in full.

LSI Credit Solutions is the only local credit repair company that will represent you and help to negotiate and settle on verified collections and judgments and stop wage garnishments.  Our Settlement Department may be able to cut your debts by 30-70%. 


Please complete the form below to get in touch with our Settlement department.

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