“Stop Aggressive Debt Collectors From Arrow Financial Services From Ruining Your Credit”

-Our True Story Proves How Lexington Law Can Help You Erase Bad Debt, Improve Your Credit, and Get Rid of Arrow Financial Services For Good!

I used to look down on people who had bad debt and credit problems. I thought they must be irresponsible people who don’t know how to stick to a budget or manage money effectively.

That all changed when my husband I both lost our jobs in the same month. With all of our income suddenly taken away, we obviously couldn’t keep up with all of our expenses. We quickly ran through our savings, and I soon fell behind on a loan from Charter One Bank.

For the first time I realized that credit problems can happen to anyone, no matter how careful you think you’re being with your money management.

All it takes is one unforeseeable event or emergency, like being laid off from work or needing an expensive medical procedure, to wipe out your savings and put you in debt. So if you find yourself having credit problems, don’t try to hide the situation out of shame! Instead you should learn from my story and get help right away.

During the time my husband and I were out of work, I did the best I could to pay a little bit each month on my Charter One Bank loan. Although I didn’t make the minimum payments, I thought that at least they would see that I was trying to keep up with the payments and meet my obligations.

I was really disappointed that the bank kept adding fees each month, even though I was trying to pay. They would add a $39 late fee AND a $39 over-limit fee each month! With fees like that piling up, there was no way I was going to be able to pay off the loan. It was almost as if the bank WANTED me to fail and default on the loan.

As if the stress of job-hunting in today’s brutal economy wasn’t bad enough, now I had to worry about my credit situation. I started receiving letters from Arrow Financial, a collections agency that had apparently bought my debt from the bank.

The letters would come about once a week, and while they were very intimidating, they weren’t nearly as bad as the phone calls.

Someone from Arrow Financial called me every single day. It got to the point where I was actually afraid to answer the phone because I didn’t want to get chewed out by a debt collector. However, I couldn’t just let the phone go to voicemail all the time, because I was also expecting calls from potential employers.

After Arrow was deleted Our Bad Credit Our Scores Both Rose Above 700!

Most of the time I was able to recognize the type of phone number Arrow Financial uses and ignore the call. The few times Arrow Financial did manage to get me on the phone were extremely demoralizing. The representatives were very pushy and often rude.

It was clear that they were just doing a job, and they didn’t care one bit about how that job affected me as an individual. They had absolutely zero human sympathy for me!

The most upsetting thing about Arrow Financial was that they kept on adding fees and interest to the amount I owed on my loan. I noticed that about 30 percent of the amount they wanted to collect from me was actually fees and interest!

And because they’d bought my debt from the bank, that interest money was pure profit for them.

To make matters even worse, I found out that Arrow Financial was reporting the collection items to the credit bureaus. This meant that anyone who looked at my credit report would see that I owed a big chunk of change to a bill collector.

I felt pretty embarrassed about that. Plus, I knew that employers often check credit history before they hire a new employee. My terrible credit report was going to make it even harder to find work.

The credit bureaus are legally required to send you a copy of your credit report every time an item is added or removed. Imagine my surprise to receive multiple copies of my credit report during this time! Turns out, Arrow Financial had reported the SAME debt multiple times on my credit report.

The injustice of this action on the part of Arrow Financial was the final straw. I resolved to fight back against their shady tactics and clear my good name.

I started doing some research to learn more about Arrow Financial, credit ratings, and debt collection processes in general.

I found out that collection agencies can not force you to pay debts once the Statute of Limitations has run out. This statute varies by state, but if your debt is several years old you should definitely look into it. You might not be responsible for the debt anymore.

I also learned that if you can catch the collection agency placing inaccurate information on your credit report, you will have evidence to use against them when you dispute the debt. For example, if they’ve failed to accurately report the debt’s origin, you may be able to get that debt removed.

The information I found online made me feel a little more hopeful about the situation. But I still didn’t know what to do about my debt. I had no clue how to research the statute of limitations or how to dispute my debt with Arrow Financial and the credit bureaus.

Since Arrow Financial was so unpleasant to work with, and I’d found them nearly impossible to communicate with, I decided that I needed professional help.

Although thousands of people are harassed by debt collectors each year, thousands are also helped by various credit repair professionals. After reviewing the many credit repair companies out there, it seemed like Lexington Law was the best choice.

Unlike other services, they don’t charge thousands of dollars before they will even look at your case. Instead, they offer a free phone consultation and a no-risk refund policy.

What really convinced me to choose Lexington Law was their track record with their clients. I read several glowing testimonials from individuals who had suffered bad credit just like me, and had their whole lives turned around by the folks at Lexington Law.

On the Lexington Law website, I saw that they remove about 1,700 collection items for their clients each quarter. With results like that, they are obviously experts in their field.

When I hired Lexington Law, my credit score was at 588. Within a very short time, the credit repair professionals from Lexington Law had helped my raise my score to 729! They used credit dispute techniques like Debt Validation and Inquiry Investigation that I could never have implemented on my own.

All of my collection items, including the items from Arrow Financial, some delinquent student loans, and a few other unpaid bills from the times when I was out of work were completely erased from my credit history! I felt such a sense of satisfaction every time I received a notice from the credit bureau that one of these items had been deleted.

With my credit repaired, I was finally able to search for work without fear that potential employers would reject me based on bad credit. My husband also went to Lexington Law to get his credit issues resolved, and his experience was every bit as positive as my own.

Today my husband is employed full time, and I have been able to find a good part time job. We feel financially secure again, and we can enjoy peaceful evenings together as a family, with no upsetting interruptions from Arrow Financial representatives!

If you are receiving phone calls or letters from Arrow Financial or any other debt collection company, check your credit report immediately! It’s only a matter of time before they start damaging your credit score and undermining your financial future.

Don’t delay like I did! Rather than trying to work with the collection agency, go straight to Lexington Law for the professional help you need to clear up your credit report and get rid of harassing bill collectors for good.