Helping Consumers Solve Credit Issues
Sue. Settle. Smile
We can help you at NO OUT OF POCKET WITH:
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About Us
We are a division of Credit Repair Lawyers of America, a Michigan professional corporation
We have been fixing credit and stopping debt collectors since 2008. We offer services that cost you nothing out of pocket. We collect our fees and costs from the defendants as allowed by law.
Gary Nitzkin
Attorney
Admitted in Michigan Only
Gary Nitzkin has been practicing law since 1990 and suing the credit bureaus since 2008. He formed Credit Repair Lawyers of America to fix your credit, stop debt collectors from harassing you and to clean your credit report when you have been victimized by identity theft.
Gary Hansz
Attorney
Admitted in Michigan Only
Gary has been practicing law for over 25 years focusing on debtor/creditor law and civil litigation. He has represented individuals, businesses, and governmental entities with the same zealous effort to achieve successful outcomes.
Carl Schwartz
Attorney
Licensed in MA, MI, NY, and PA Active in MI and NY
2016. He came to us with a wealth of experience fighting for consumers under the Fair Credit Reporting Act and the Fair Debt Collection Act. He is a rising star at Credit Repair Lawyers of America and graduated from the University of Michigan.
We have several cool programs that you can use to get your financial life on the right track.
Credit Card Dispute?
We can help you dispute and remove charges on your credit card account that do not belong to you.
We Fix Credit Damage Caused by Identity Theft
Identity theft is still the fastest growing crime in America. You are probably already a victim. We can help.
Debt collectors hate us…you will love us!
Debt collectors can be bullies. We beat them back and make them pay you!
Stop Paying for Credit Repair.
If you have mistakes on your credit report, we can find them and get them fixed at no out of pocket charge to you.
Pricing
So, how do we get paid? Good question. Here is how:
Under the law, we can and do collect our fees and costs from the defendants that we sue.
Taxes You May Have To Pay
When we settle with a defendant for an amount of $600 or greater, sometimes the defendant will issue an IRS 1099 form to both you, and to us on the same money. While we do not give tax advise, I will advise you of what I have learned.
While I do not give tax advice as I am not qualified to do so, I am happy to pass on to you what I have learned from a conference at the National Consumer Law Center (“NCLC”). NCLC is a non profit organization that advocates for consumers. Every year, they hold a seminar for Consumer Lawyers such as myself. In their 2021seminar, they addressed the 1099 issue as follows.
According to the NCLC, if you get a 1099, that does not mean that you necessarily have to pay tax on that money. You do have to report the receipt of that 1099 on your tax return. NCLC suggested that on the line for Misc. Income, you show each 1099 amount that you received. Also, on that line, explain that your attorney received the same 1099 and paid tax on that money. You then report the amount of money that you received from us and pay tax on that money. Hence, if you received a 1099 for $5,000 but only received $1,000 from us, you should pay tax only on the $1,000 according to the NCLC.
CHECK OUT OUR REVIEWS!
Free Credit Report review
No out of pocket litigation
Gary Made the debt go away completely
It was very easy to talk with Gary. He explained what happened to us and then contacted the bill collector. We didn’t have to do anything… Gary made the debt go away completely. Gary’s office was very efficient. They just took care of us. He told us to relax and he’d take care of it, and he did.”
Thank you for not seeing us as
“just another client.”
“His website is very professional. After going through the site, I was sure he was the attorney for me. He exceeded my expectations. He has a certain presence. He’s a big man. A direct man. Hospitable. I was glad he was for me and not against me. If I was the defending attorney, I would look to settle. Gary’s got his ducks in a row.”
“The creditor continued to put hard hit inquiries on my credit report after bankruptcy. Gary forced them to remove all the negative inquiries that were causing my score to drop. Gary was very knowledgeable. He gave me his undivided attention. He told me with confidence that we’ll win this and he did! He knew how to stop them.”
