202357661 –
SMITH, CLOTHILDE C (AKA CLOE SMITH) vs. SHELLPOINT MORTGAGE SERVICING
AUG 29, 2023 | REPUBLISHED BY LIT: OCT 1, 2023
OCT 1 11, 2023
Above is the date LIT Last updated this article.
Oh look, matching address.
And yes, TX OCCC has no listing(s) for XCR Enterprises, Inc. d/b/a Xpert Credit Repair
Notice of Non-Suit without Prejudice – without proof of payment.
| EACH PAY OWN | 10/09/2023 | |
| ORDER OF NON-SUIT SIGNED |
credit repair expert
the beginning
Christopher Ebert has been working full time in the credit repair space since 2003. He started working for consumer law firms early in his career. While working for his first law firm, Ciarochi Law Firm, he found his passion for helping consumers find ways to improve their credit and achieve their goals.
He started Xpert Credit Repair in 2005 to offer consumer’s more options at a cheaper price than hiring an attorney to assist them. Xpert Credit Repair became the first credit repair company in the nation to offer Delete Then Pay™ pricing where a client paid after the deletion / correction occurred on the credit report.
Around 2009, credit repair tactics had to change because mortgage lender guidelines changed. Disputing with the credit bureaus would not work as well.
Xpert Credit Repair started to dispute and challenge directly with the creditors and debt collectors. After finding and tweaking this new approach,
Christopher started developing his own proprietary software. He does not lease it or allow other credit repair companies to use it. Using best practices and a world class software combined with prudent automations, Xpert Credit Repair grew to be an industry leader.
the transition
Starting in 2006 the world of debt began to change as the creditors and debt buyers started to file lawsuits against consumers in mass. Christopher recognized the need to help law firms automate systems to help consumers resolve these lawsuits more efficiently.
He set out to design and implement proprietary software and processes used by law firms. Because of the systems brought to the law firms he worked for and with, the cost to settle and / or fight litigation decreased significantly.
Attorneys were used to charging thousands of dollars to answer a lawsuit and settle.
He brought the industry average down to below $1500 for most lawsuits. Christopher is proud that more consumers can afford a consumer credit attorney to represent them when being sued. He added a module to the software that allowed attorneys to assist clients in debt settlement with their creditors.
today
Lawsuits against consumers are becoming such an issue that most credit repair companies are having to change tactics again. Many choose not to dispute original creditors, leaving their clients to settle on their own.
Those that dispute the creditors that sue often find their clients are getting sued. Again, Christopher responded to the new norm by modifying his software, dispute tactics, and sales process to put his clients in the best position possible.
Christopher has married the processes of credit repair to the the attorney’s software, allowing for a seamless process for the client experience. Setting appropriate expectations with the clients and increasing efficiency of dealing with creditors, debt buyers, and debt collectors results in a better outcome with lower cost to the consumer.
Christopher is proud of what his team and he have been able to achieve and hope to change the credit repair industry again.
i help credit repair companies
I help credit repair companies become better versions of themselves. I have a passion for the credit repair industry and am willing to help credit repair company owners of all sizes . I have deep experience in the industry to help improve any system (or teach it to those without current systems). When hired I focus on your business to make it even more successful for you, your employees, and your clients.
i help consumer credit attorneys
I help consumer credit attorneys (or those that wish to be) improve their systems and processes to intake a larger number of clients with less hassle. I will help systemize your operation to allow for paralegal work controlled by the attorney. But in mass. We may be able to help you systemize current books of business that you are not taking in. Often we allow you to lower your fees but earn more in fees with the expanded volume.
202220512 –
SPRING LAKES HOMEOWNERS ASSOCIATION INC vs. SMITH, CLOTHILDE CÂ
(Court 061, JUDGE FREDERICKA PHILLIPS)
APR 5, 2022 | REPUBLISHED BY LIT: OCT 1, 2023
Default Judgment Signed (Nov. 3, 2022)
Full Satisfaction and Release of Judgment (Feb. 28, 2023)
TEXAS JUSTICE: LAWYER WHO HIRED HITMAN TO KILL WIFE Jeffrey Stern, a Houston injury attorney was sentenced Wed. to 1 year of supervised release and a $100K fine for his role in a multimillion-dollar ambulance-chasing kickback scheme that ran from 2006 to 2019 by Judge Rosenthal. pic.twitter.com/l9OwdScVm5
— lawsinusa (@lawsinusa) September 28, 2023
Texas Bankers Association and Intervenors Obtain Bond-Free Nationwide Injunction Against CFPB
For the foregoing reasons, the Court hereby ORDERS that Intervenors’ Motions for Preliminary Injunction are GRANTED.
Where’s Flo Robins Livin’ After Lockout and Foreclosure by PHH for Deutsche Bank?
After Hurricane Harvey it is alleged that PHH Mortgage locked out Robins from her home. She still lists the home as her residence today.
Where’s the Lawsuit? Harris County Announced in June 2023 It Was Suing Title Deed Scammers Patriot Title
KHOU published, then deleted an article claiming: County Attorney Christian Menefee said Patriot Title has been scamming homebuyers for yrs.
Title Deed Fraud: Alvin Man Sentenced to 40 Years in Texas State Prison But Lawyers Remain Free
Rhodes went to jail for 40 yrs, but Texas Lawyers committing title deed fraud may continue. This is a developing story which will be updated.
Troubled Houston Lawyer Bill Ramey as Counsel for Wife Kelly Ramey Vexatiously Sue JPMorgan Chase
All is not well at the Houston Wellness Project, owned by Kelly Juhrden-Ramey aka Kelly Ramey. There’s a credit card debt she stopped paying.
Zions Bancorporation Retains Known Rogue Debt Collecting Lawyer to Pursue Expedited Foreclosure
Zions Bancorporation is retaining lawyers and law firms who do not have an active debt collecting surety bond on file with the State of TX.
