Creditor Strike Dispute Deletion Program™

You’ll receive: Certified mail tracking numbers A dispute summary report Follow-up support for 60 days to handle bureau responses, reinvestigations, or additional rounds. We’ll also help interpret the responses from Experian, TransUnion, or Equifax so you understand what was deleted, corrected, or verified.

Yes — cleaning inaccurate negatives from your report can significantly raise your credit score and remove barriers to auto loans, mortgages, or business credit. However, creditworthiness also depends on your overall profile, including active accounts, utilization, and payment history. We also provide basic credit rebuilding tools.

No. The credit bureaus (Experian, TransUnion, Equifax) respond directly to you. We guide, execute, and track the dispute process, but we don’t control their timelines. We will interpret their results for you and advise on next steps.

Because this is a custom legal service, we do not offer refunds. However, we do provide 3 rounds of certified legal disputes plus 60-day support to maximize results. You will receive full documentation of every step taken and have the option to escalate further (Tier 2 or 3) if needed.

Yes — this package includes up to 25 total creditors/accounts. If you have more than 25 negative accounts, we can either: Split the work into two phases, or Recommend a higher-tier service based on the damage level.

Tier 1 is designed for entry-level credit damage. We can dispute: Charge-offs Late payments (30, 60, 90, or 120 days) Collections under $2,000 If your accounts are medical, auto-related, post-bankruptcy, or over $2,000, you may want to look into Tier 2 or Tier 3.

It’s a one-time flat fee of $495. No monthly charges, no hidden costs, no upsells. You pay once, we execute the full 3-round legal dispute process with tracking, follow-up, and summary reporting.

We don’t guarantee deletion of accurate, verified, and lawfully reported accounts. However, many creditors fail to maintain full documentation or respond improperly, which can lead to lawful removal even of accounts you may think are accurate. The key is procedural compliance — and that’s where we focus our legal pressure.

Yes — completely. Consumers have the legal right under federal law to challenge inaccurate, outdated, or unverifiable items on their credit reports. This program exercises your rights using certified legal communication channels. All actions are compliant with FCRA § 611, FDCPA § 809, and California’s Rosenthal Act.

Yes. We pull and audit your full tri-merge credit report (Experian, TransUnion, Equifax) and dispute inaccurate items across all three. Many clients are surprised to learn that not all bureaus report the same way — and we catch those inconsistencies.

Most clients begin seeing deletions or corrections within 30–60 days of the first dispute round. However, full resolution may require up to 3 rounds over 90–120 days, depending on the complexity and responsiveness of creditors or bureaus.

Unlike generic credit repair companies that use templates or DIY kits, this program is attorney-supervised and legally structured. Every letter is crafted based on your actual credit report and reviewed under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and Rosenthal Act. We don’t just “send letters” — we build a case file that can be escalated if necessary.

Yes — here’s what we’ll need to get started: A copy of your government-issued ID Proof of address (utility bill, lease, etc.) Credit report login or PDF (we can guide you through how to get it free) Signed attorney authorization form (we’ll send this)

It’s a professionally written PDF you can submit to lenders, landlords, or employers explaining: Your bankruptcy discharge The legal efforts taken to enforce your rights Current credit report accuracy status This can help reduce friction in loan approvals, housing applications, and background checks.

Most consumers believe that once they receive a discharge, their credit reports will automatically update — but this is rarely the case. Many creditors, collectors, and data brokers continue reporting balances, re-sell your discharged debt, or fail to update the tradeline to show $0 balance and “included in bankruptcy.” These violations can delay your recovery, block loan approvals, or even result in job denial. Tier 3 legally enforces your discharge rights under federal law.

You’ll receive tracking updates, copies of all sent documents, and results from the bureaus or furnishers. If violations continue, we provide pre-litigation escalation, complaint filing support, and if needed, referral to litigation partners for further enforcement.

This is a one-time flat fee of $1,495.00. There are no subscriptions, no upsells, and no recurring charges. We process your full dispute and enforcement package for up to 25 bankruptcy-affected creditors.

Tier 3 is not “credit repair.” It’s attorney-supervised enforcement of your federally protected rights after bankruptcy. Instead of generic disputes, we use legal audits, PACER cross-verification, and formal demand letters that cite the FCRA, Bankruptcy Code, and applicable case law. This is a legal protocol designed for consumers with serious post-bankruptcy reporting problems — not a template dispute program.

Yes. Many violations continue for months or even years after your discharge. As long as inaccurate or non-compliant data is still being reported, you can legally challenge it and demand correction under the FCRA and bankruptcy law. There is no immediate time limit on enforcing your rights — especially for ongoing violations.

Call us directly at (626) 338-5505 or email info@OmarZambrano.com. You’ll be assigned a dedicated legal intake agent who will walk you through the onboarding process, document uploads, and timeline for dispute delivery.

Tier 3 includes FCRA § 605B Identity Theft Blocks, which can help: Remove fraudulent bankruptcies filed in your name Suppress re-sold identity data Dispute mixed files or inaccurate reporting across multiple bureaus We also provide optional support for police reports or FTC affidavits to strengthen your legal claim.

That may be a violation of the federal discharge injunction under Bankruptcy Code § 524(a)(2). As part of Tier 3, we send legal notice letters to such furnishers and collectors demanding immediate compliance. If they persist, we help escalate with evidence preservation letters and potential referral to litigation partners for enforcement.

PACER (Public Access to Court Electronic Records) is the federal system that tracks your official bankruptcy case. We cross-reference this data with your credit reports to identify inconsistencies — such as accounts that still show balances, wrong discharge dates, or debts not marked properly. This ensures your reports legally match your federal court record.

The Creditor Clean Sweep™ is not credit repair — it’s a law-based legal program built on federal statutes like the FCRA, FDCPA, HIPAA, and FACTA. Every letter is attorney-reviewed, sent via certified mail, and customized to your unique credit profile. We don’t use templates or auto-dispute tools. We use legal strategy.

Yes — we file suppression and opt-out requests for LexisNexis, CoreLogic, Innovis, and other data brokers. This helps stop old collections from being reinserted into your credit report through backdoor channels.

No. Once you upload your credit reports and ID, we handle everything: legal letters, filings, certified mail, and complaints. You’ll get updates as responses come in, but there’s nothing you need to do yourself.

No one can guarantee deletions, but we do guarantee that every dispute is legally backed, attorney-reviewed, and compliant with federal law. We maximize your chances of deletion by focusing on violations and burden of proof — not generic disputes.

If identity theft is involved, we can file a police report, FTC affidavit, and include a full fraud-based dispute package for a small add-on fee. We’ll also guide you through freezing your reports and defending against reinsertion.

This tier includes legal disputes for up to 25 creditors — including medical bills, collections, repos, student loan lates, LexisNexis issues, and more. If you need more than 25 items disputed, we’ll provide a custom quote.

Yes. When necessary, we escalate your case by filing complaints with the CFPB, state AG, or even the FTC. These legal filings often pressure creditors and data furnishers into full deletion.

Yes. This tier is designed for repossessions and medical debts, especially if there are violations related to resale value, HIPAA privacy, or non-permissible access.

Most clients see results within 30 to 90 days, depending on how fast creditors and bureaus respond. Some deletions happen in 30 days. If not, we escalate with a second round of disputes or government complaints.

Just four things: Government-issued ID Proof of address Full 3-bureau credit report Any collection letters or bills We’ll review everything and begin your file within 1–3 business days.

If your petition is denied, we can explore other legal remedies or appeal the decision, depending on the circumstances.

While an expunged record is removed from public view, certain government agencies may still have access. However, for most purposes, it will appear as though the offense never occurred.

The timeline varies depending on the complexity of the case and court schedules. Most expungements are completed within three to six months.

Not all records are eligible for expungement. Eligibility depends on factors such as the nature of the offense, whether it was a misdemeanor or felony, and the laws in your state. Our attorneys evaluate your case to determine eligibility.

Yes, in many cases, multiple offenses can be expunged. We review your complete criminal history to determine the best strategy.

You should consult an attorney immediately to discuss defense options.

Yes, if they make misleading claims that harm your business.

File dissolution paperwork with the state and settle outstanding debts.

It protects patents, trademarks, copyrights, and trade secrets.

Use contracts, comply with laws, and obtain liability insurance.

Yes, you can convert an LLC to a corporation and vice versa.

An LLC offers flexible management and tax benefits, while a corporation provides stronger liability protection.

Yes, a written contract helps protect your business interests.

A legal document outlining roles, responsibilities, and profit-sharing.

You need to choose a business structure, register with the state, and obtain necessary licenses.

A lease is a long-term contract, while a rental agreement is usually month-to-month.

Yes, an attorney can protect your rights and negotiate fair settlements.

It involves negotiating lease terms for a business space to secure favorable conditions.

Yes, but you must follow California’s eviction laws.

Drafting solid contracts, following regulations, and consulting an attorney can help protect your business.

Yes, we draft and review contracts to protect your interests.

Legal mediation or litigation can help resolve disputes between buyers, sellers, or landlords.

Yes, you can file a lawsuit to recover damages or enforce the contract.

A breach of contract occurs when one party fails to fulfill the terms of an agreement.

Business litigation involves legal disputes related to partnerships, contracts, or fraud.

A legal document giving someone authority to act on your behalf.

Your assets will be distributed according to California intestacy laws.

Choose someone responsible, such as a trusted family member or attorney.

A revocable trust can be changed anytime; an irrevocable trust cannot.

A living trust avoids probate by transferring assets outside the court process.

Your estate pays off debts before distributing assets to heirs.

Yes, asset protection strategies like trusts can shield assets.

Yes, you should name a guardian in case of unexpected death.

Probate is the legal process of distributing a deceased person’s estate

Every 3-5 years or after major life events.

It’s an agreement where you voluntarily give your property to the lender to avoid foreclosure.

A loan modification adjusts mortgage terms to make payments more affordable.

It still impacts your credit, but it may look better than a forced repossession.

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot harass, threaten, or mislead you.

The foreclosure process typically takes 120-200 days, depending on circumstances.

Yes, filing for Chapter 13 can help you catch up on missed payments.

Yes, you may be able to complete a short sale or refinance before the foreclosure is final.

Yes, if your lender violated foreclosure laws.

You may be able to reinstate the loan, redeem the vehicle, or file bankruptcy to stop repossession.

Certain assets are protected, but creditors can seize non-exempt property through a court order.

Yes, but you may need to wait 2-4 years and rebuild your credit.

Some tax debts can be discharged if they meet specific criteria.

Yes, filing for bankruptcy triggers an automatic stay that stops wage garnishment.

No, unless you have joint debts, in which case your spouse may still be responsible for the balance.

Student loans are rarely discharged in bankruptcy unless you prove undue hardship.

Secured debt is backed by collateral (e.g., mortgage, car loan), while unsecured debt (e.g., credit cards, medical bills) has no collateral.

Yes, you can file individually if your debts are separate.

You make monthly payments to a court-appointed trustee for 3-5 years.

In many cases, yes. Bankruptcy exemptions may protect your home, especially under Chapter 13.

Missing payments may lead to case dismissal, but you can request a modification.

Drafting solid contracts, following regulations, and consulting an attorney can help protect your business.

Yes, but you must follow California’s eviction laws.

Yes, we draft and review contracts to protect your interests.

A breach of contract occurs when one party fails to fulfill the terms of an agreement.

Legal mediation or litigation can help resolve disputes between buyers, sellers, or landlords.

Yes, an attorney can protect your rights and negotiate fair settlements.

Yes, we assist with property disputes, landlord-tenant issues, and foreclosure defense.

Yes, you can file a lawsuit to recover damages or enforce the contract.

It involves negotiating lease terms for a business space to secure favorable conditions.

Business litigation involves legal disputes related to partnerships, contracts, or fraud.

An anti-SLAPP motion is used to dismiss lawsuits filed to silence free speech or public participation.

It depends on the complexity of the case but can range from a few months to several years.

The court may rule in favor of the plaintiff by default, which can lead to wage garnishment or other penalties.

Civil litigation involves legal disputes between individuals or businesses over contracts, property, personal injury, or other issues.

While not required, having an attorney significantly improves your chances of success.

Yes, many cases are resolved through settlements before going to trial.

Common cases include contract disputes, landlord-tenant issues, real estate conflicts, and fraud claims.

Yes, but hiring an attorney increases your chances of success.

The time limit varies depending on the type of case. For example, breach of contract cases in California typically have a 4-year statute of limitations.

Court fees vary, and attorney costs depend on the complexity of the case. We offer consultations to discuss costs.

No, but having a lawyer can simplify the process and ensure everything is filed correctly

You must file a petition with the court and attend a hearing. Our office can guide you through the process.

Yes, but additional legal steps may be required.

Yes, you must update your passport, Social Security card, and other official documents.

No, your credit history remains intact, but you must update your records with banks, the DMV, and government agencies.

Yes, but both parents must consent, or you may need a court order.

Court filing fees vary, but our office offers affordable legal assistance.

Yes, marriage and divorce are common reasons for name changes and usually require less paperwork.

Yes, unless the name is intended for fraud, impersonation, or is obscene.

In California, it typically takes 6-12 weeks, depending on the court’s schedule.

Yes, but both parents must agree, or a court must approve the change.

Paternity can be established voluntarily through a Declaration of Paternity or through court-ordered DNA testing.

Yes, a father can request a paternity test to confirm biological parentage before assuming legal responsibility.

Establishing paternity provides legal rights for both parents and financial and emotional support for the child.

Yes, once paternity is established, the father may be legally required to pay child support.

A paternity case legally determines a child's father for custody, visitation, and child support purposes.

A court can order a DNA test if the father refuses.

A mother can refuse, but a court may order a test if paternity is contested.

A father has the right to seek custody, visitation, and a say in important decisions regarding the child.

No, signing a birth certificate does not automatically establish legal paternity; additional legal steps may be required.

Yes! Once your record is expunged, most employers will not see the conviction, making it easier to pass background checks.

Stay calm, exercise your right to remain silent, and request an attorney immediately. Do not admit guilt or answer questions without legal counsel.

Penalties can include fines, license suspension, mandatory DUI school, probation, and possibly jail time.

Expungement removes a conviction from your record, while record sealing hides it from public view but may still be accessible by law enforcement and certain agencies.

The legal limit is 0.08% for adults, 0.04% for commercial drivers, and 0.01% for drivers under 21.

Yes, many DUI cases can be challenged based on improper stops, faulty breathalyzer tests, or procedural errors.

Under California’s implied consent law, refusing a test after an arrest can lead to harsher penalties, including license suspension.

Yes, after completing probation, you may be eligible for expungement.

In some states, DUI (Driving Under the Influence) and DWI (Driving While Intoxicated) have different legal definitions. California primarily uses DUI.

A DUI typically stays on your driving record for 10 years in California but can be expunged under certain conditions.

The cost varies depending on the complexity of the case and court filing fees. We offer affordable pricing and payment plans to help with the process.

Yes, if law enforcement believes you were recently in control of a vehicle while intoxicated.

A DUI conviction can result in a suspended license, but you may qualify for a restricted license or contest the suspension at a DMV hearing.

Some felonies can be expunged, but others may require additional legal steps.

Expungement does not automatically restore gun rights. Additional legal action may be needed.

Typically, it takes 3-6 months, depending on court processing times.

Expunged records are removed from most background checks, but some government agencies may still see them.

Expungement removes a conviction from your record, making it invisible to most background checks.

Eligibility depends on your conviction type, completion of sentencing, and other factors. We can evaluate your case.

Yes, many DUI convictions can be expunged after completing probation.

While not required, an attorney ensures your trust is legally sound and tailored to your needs.

Yes, you can name anyone as a beneficiary, including friends or charities.

Yes, a revocable living trust can be modified at any time.

You can include real estate, bank accounts, investments, and valuable personal property.

You should review your estate plan periodically and update it as needed due to life changes.

A trust transfers ownership of assets outside the court system, ensuring a smooth inheritance process.

A living trust is a legal document that holds your assets and distributes them to beneficiaries without probate.

A will goes through probate court, while a trust allows direct asset transfer without court involvement.

Estate planning ensures your assets are distributed according to your wishes and avoids family disputes.

Your estate will go through probate, and state laws will determine asset distribution.

Bankruptcy will stay on your credit report for 7-10 years, but you can still qualify for loans with responsible financial management.

In Chapter 7, some assets may be liquidated, but exemptions protect many personal belongings. Chapter 13 allows you to keep your assets while repaying debts.

Bankruptcy can discharge most unsecured debts like credit cards and medical bills but may not eliminate tax debts, student loans, or child support.

Yes, filing for bankruptcy can temporarily stop foreclosure proceedings

Chapter 7 usually takes 3-6 months, while Chapter 13 lasts 3-5 years.

Chapter 7 eliminates most debts, while Chapter 13 involves a repayment plan over 3-5 years.

You must pass the means test, which evaluates your income, expenses, and debts. We can assess your eligibility.

Yes, but there are time limits between filings. Chapter 7 can be filed again after 8 years, and Chapter 13 after 2 years.

Bankruptcy initially lowers your credit score but provides a fresh start, allowing you to rebuild credit over time.

We handle Chapter 7 (liquidation) and Chapter 13 (repayment plan) bankruptcies.

We handle green cards, visas, citizenship applications, family-based immigration, asylum, DACA renewals, deportation defense, and more.

DACA (Deferred Action for Childhood Arrivals) allows eligible undocumented individuals to stay and work in the U.S. We assist with applications and renewals.

You can apply through family sponsorship, employment, refugee/asylee status, or other special categories. We can help determine the best path for you.

The U.S. citizenship process generally takes 8-14 months, depending on processing times and background checks.

A U.S. citizen or lawful permanent resident can sponsor a family member for a visa or green card. The process involves filing Form I-130 and going through USCIS approval.

Depending on your situation, options may include applying for asylum, family-based petitions, DACA, or adjusting status. We can help evaluate your case.

Yes, we provide strong legal defense for individuals facing deportation or removal proceedings.

Yes, we help clients obtain work permits and employment-based visas such as H-1B, L-1, O-1, and EB visas.

Yes, U.S. citizens and green card holders can sponsor immediate relatives and certain family members for immigration benefits.

Depending on the reason for denial, you may be able to reapply, file an appeal, or request a waiver. We can assess your case and advise on the best course of action.

You can schedule a free consultation by calling +1 (626) 338-5505 or emailing us at info@zambranolaw.net. You can also fill out our online consultation form.

If you are facing legal challenges related to immigration, debt, bankruptcy, estate planning, or civil disputes, we recommend consulting with an attorney for guidance.

Attorney Omar Zambrano has been practicing law for over 20 years and has helped thousands of clients.

Our office is located at 12738 East Ramona Blvd., Baldwin Park, CA 91706

We primarily handle cases in California, but for specific legal matters, we may assist clients in other states.

We specialize in various legal areas, including immigration, bankruptcy, estate planning, civil litigation, expungements, and more. Our team is committed to finding the best solutions for your legal needs.

Yes, we offer flexible payment plans to make legal services affordable for our clients.

Our team speaks English and Spanish fluently. We also accommodate clients who speak other languages.

Yes, we offer virtual and phone consultations for clients who cannot visit our office in person.

We are open Monday to Friday from 9 AM to 6 PM. Weekend appointments may be available upon request.

The timeline varies depending on the complexity of the case and whether DNA testing or court proceedings are involved. Most cases are reso

Paternity can be established voluntarily by signing a Declaration of Paternity or through a court order, which may involve DNA testing.

Yes, paternity can be established at any time. However, certain legal benefits, such as child support, may no longer apply after the child reaches adulthood.

Establishing paternity creates a legal relationship between the father and child, granting rights such as custody and visitation while establishing responsibilities like child support.

If the court orders a paternity test, both parties are required to comply. Refusal can result in legal consequences.

No, only certain liens, such as judgment liens or non-purchase money security interests, may be avoided. Secured debts like mortgages are generally not avoidable.

Exemptions vary by state and are used to protect specific property types, such as your home (homestead exemption) or personal belongings. We help you determine which exemptions apply to your case.

Avoiding a lien removes the creditor’s claim against your property but may not eliminate the underlying debt. This depends on the type of lien and debt involved.

The timeline depends on your bankruptcy case and court schedule. Most motions to avoid lien are resolved within a few months.

If your motion is denied, the lien remains in place. We can explore alternative strategies to address your financial concerns, such as negotiating with creditors or adjusting your bankruptcy plan.

Yes, in many cases, multiple offenses can be expunged. We review your complete criminal history to determine the best strategy.

The timeline varies depending on the complexity of the case and court schedules. Most expungements are completed within three to six months.

While an expunged record is removed from public view, certain government agencies may still have access. However, for most purposes, it will appear as though the offense never occurred.

If your petition is denied, we can explore other legal remedies or appeal the decision, depending on the circumstances.

Not all records are eligible for expungement. Eligibility depends on factors such as the nature of the offense, whether it was a misdemeanor or felony, and the laws in your state. Our attorneys evaluate your case to determine eligibility.