AWA Collections Address and Phone Number
AWA Collections Mailing Address:
PO Box 6605
Orange, CA 92863
714-771-3690
AWA Collections Phone Number:
None Listed
AWA Collections Website:
www.awacoll.com
Add comment March 10th, 2010
Posts filed under 'Resources'
Can I Remove a Paid Judgement from my Credit?
We got this question from “Latasha” who is struggling with removing a judgment from her credit that she is currently paying.
I have a question if you are able to answer without a financial fee required. Here is my situation and then I’ll asked the question and thank you for the letter. I am currently paying on a judgement by that was filed last year by wage garnishment. I have a month and half left to have it paid in full and just about paid twice as much of what is on my credit report. My question is can I still get this judgment removed even if I am still paying on it, is it still possible for pay for delete or get it removed due to the amount being reported is half the amount I am paying. Lexington Law Firm has been a choice for me, but now I do not have the extra funds to get started. Can you help me?!
Hi Latasha,
First, it’s a shame that you end up paying so much more money towards the judgment than you originally owed. Sadly, this is often what happens when collection agencies get involved. They tack on additional interest and fees – some of which are not entirely legal.
Second, the issue of paying the judgment and removing it from your credit reports are two different things. The bureaus are responsible for whether they report it or not and so from one perspective it doesn’t matter to them whether it is paid, unpaid, or in payment.
The best case scenario would have been to negotiate a payment in return for deletion but you are beyond that point. So, I would suggest that you dispute the questionable judgment with the bureaus directly. They send this off to pay by the hour workers who verify – or don’t verify- the accuracy of the listing. If the judgment holder fails to verify within the time specified, it will come off your credit report.
If that fails to work, then Lexington does has some alternative methods such as creditor intervention or debt validation. They do have some services that are affordable for almost any budget. You can see what they can do and see if there is a service that fits your budget by calling them today. The call is free so you don’t have to worry about being charged 
Here is the number: 1-800-608-7940.
Add comment February 17th, 2010
Can I Send Credit Dispute Letters without the Full Account Number
When disputing bad credit items with the credit bureaus, there are so many ways you can mess it up.
I just got this message from a member who wants to make sure the credit bureaus don’t ignore her dispute letter:
I have a credit repair question. I have been working on sending dispute letters out, but I do not have the full account numbers for alot of my accounts. I have my credit report, but they do not show the entire number. Can I still send the letters with the partial number, or will that give them an excuse to not process my letter?
Here’s my Answer:
Generally you won’t need the entire account number. So long as you accurately identify the account with the proper name and as much other information as you can.
We’ve actually done the most difficult part in drafting a proven effective dispute letter here.
Add comment December 24th, 2009
Can You Learn from Maggie’s Mistakes?
Below is a letter from Maggie, a subscriber who wanted to share her experience…
There were so many times growing up that I wished I was anywhere other than school. I would daydream about being outside, about going to the mall with friends, about anything else other than school. My parents always insisted that I go to get an education.
I assumed that by attending school and working hard everyday that I would be able to do whatever I wanted when I grew up.
Doing the “normal” thing would mean I would be happy, right?”
When I finally made it to the “real world” I found that I was dead broke, living paycheck to paycheck. I found out how hard it was to support myself, let alone my family.
My credit really started to suffer as I couldn’t pay my bills on time and began to use credit cards to make up the difference. It was so hard to find the money to pay for my kids’ medical bills and everyday expenses.
I remember going to the grocery store and picking up three items, doing the subtotal in my head because I knew I only had $14.00 in my checking account. I paid hundreds of dollars to the bank in insufficient funds fees. I received credit card bills in the mail that I ignored. Not because I didn’t want to pay them, but because I couldn’t afford to.
The minimum payment was barely covering the interest charges.
I will never forget the day that changed my life, the day I decided that I had to do something about my credit.
I was working late and my kids were home after school when a creditor called. My teenage son answered the phone. When I got home from work that night my son said…
“Why didn’t you tell me we were poor.”
I don’t think I have ever been so humiliated. I had tried so hard to hide this from everyone, especially my kids.
My husband and I talked a lot about our options. I found out that my credit score was worse than I thought. My score was 502!
I knew I had a long way to go, but that the ONLY way I would EVER regain control of this spiraling disaster was to do something out of the ordinary. (After all it was doing all the normal things that got me into this situation.)
I decided that I would convince my lenders and bankers that I was a rich person…by showing I was creditworthy!
By studying credit laws and the practices of banks in this country I learned that the entire system is set up to favor the credit worthy people and push non-credithworthy people further into debt.
Instead of getting a second or third job like most of my well intentioned, but mis-informed friends and neighbors advised me to do, I decided to take a different route.
I decided that the only SANE way out of this mess was to regain the upper hand by proving my credit worthiness. You see it was like an UPward spiral.
Better credit = better interest rates = more savings = meeting my obligations on time = avoiding penalties = even MORE savings.
This did in fact turn out to be working SMARTER not harder.
Finally, instead of just following the herd, I finally executed some independent thought and it really paid off!!
I saved a few bucks each day by bringing my lunch to work (instead of spending the $8 every day). With the extra cash I was able to afford the best credit restoration attorney that money can buy. That’s right, Lexington Law was there for me and there to offer a top rate service that even I could afford.
Lexington Law started the credit repair process immediately. Ultimately, my score improved 170 points in a few short months! I feel such a sense of relief knowing that I do not have to be ashamed anymore.
They were so helpful and the whole process was truly painless. Fast forward a few months and my plan paid off - and still is paying off today. My credit is near perfect, my bills are paid, and I have a few extra bucks socked away just in case.”
Thanks for all your support -Maggie
Does Maggie’s story sound familiar? Do you also want to experience the same results? Do you see how her methods of working smarter instead of harder resulted in quick, tangible, and measurable results?
If this sounds like something that will help you, the paralegals at Lexington Law Firm are more than willing to give you a free consultation (1-866-899-5432). You can see if they have something that works for you. I promise you won’t hear a pushy sales call and you won’t be obligated to buy anything.
However, if you do decide to invest in yourself like Maggie did, please let me know about it. I want to celebrate the good news with you!
Best,
Ben
Add comment August 25th, 2009
Are the Bureaus Blowing You Off?
I would like to share a letter I received from someone who has been really struggling with getting the bureaus to respond to his letters.
Hello Mr. Douglas-
I sent a dispute letter to both Transunion and Experian. Experian responded with this statement:
“We received a recent request regarding your credit information that does not appear to have been sent directly to us by you. As a precautionary measure, we have NOT TAKEN ANY ACTION ON YOUR ALLEGED REQUEST.”
Therefore, it is not as simple as just sending a letter to the reporting agencies, what do I need to do now?
Thank you for your advice-
-Roger
These canned responses are quite common. As a result, Roger continues chasing his tail, the bureaus continue to get rich, and creditors can feel good about charging Roger absurd interest rates and fees.
Unfortunately, an effective credit bureau dispute isn’t necessarily about what you say, but instead how you say it.
Remember, the credit bureaus are not motivated to fix negative items on your credit report. This process costs them time and money. They try to avoid using their resources to investigate your dispute. They’d rather use those resources to pump up their profits.
In fact, the Fair Credit Reporting Act gives them a loophole which they use quite often. Under the FCRA the bureaus are not required to investigate a dispute that is “frivolous.”
Thus, if they feel your dispute is “frivolous,” they can drop your dispute letter right into the shredder!
Here are three tips to ensure you get your “day in court” and keep your dispute out of the shredder:
First, you must limit the number of items in a single dispute. A BIG mistake is to dispute all the negative accounts in a single letter.
Second, you must time your dispute properly. Timing is everything when you are on an aggressive track to clean up your credit. It is a big mistake to dispute either too frequently or too IN-frequently.
Third, dispute by U.S. mail. Resist the urge to dispute through the bureaus’ website. A hard copy dispute provides you with a paper trail and is less likely to be ignored. (Plus, this evidence can be used at a later date should your case require court intervention).
Is there a sure-fire guaranteed dispute process?
There are no guarantees with credit repair. However, the closest thing to a sure-fire dispute is experience. And nobody has close to the credit disputing experience than the professionals at the Lexington Law Firm.
Plus, they have the resources to work on your credit score around the clock, day and night, 24 hours a day.
Oh, did I mention that they do more than file effective credit bureau disputes? Did I mention the back-up plans in case a dispute doesn’t work? For example, have you heard about debt validation, inquiry investigation, creditor-direct intervention, escalated information demands, goodwill letters?
All of these are super effective weapons to clean up credit when a dispute fails.
But don’t take my advice. You can learn more about these processes and more by chatting with a paralegal from Lexington. (There is no pressure to buy anything).
They will even review your credit profile and determine if their services are right for you.
If this sounds like it might be a good option for you, you can dial the paralegal direct at: 1-866-899-5432 or visit them at www.lexingtonlaw.com to learn more.
Add comment August 13th, 2009
