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CCDN Helps Consumers


The CCDN Program consists of the following three phases, each with its own distinct purpose. We use a combination of laws including, but not limited to the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Billing Act (FCBA) and any State Unfair and Deceptive Acts and Practices (UDAP) laws that support and help bolster our arguments.

CCDN Phase One- Credit Restoration begins as soon you enter our program and your paperwork has been processed and continues for 24 months. Our experience has been that the majority of negatives will be removed from a typical customers credit reports within the first 3 to 4 months of this process, but we will continue to challenge unverified information and monitor all customers’ credit reports for a full 24 months.

CCDN Phase Two- Validation and Reconciliation also begins as soon as your paperwork is processed. The purpose of this phase is to create an administrative record and establish as much information as possible as to the ownership and validity of the alleged debt. The process works through two levels.

First, CCDN will help you send out a series of proprietary letters at specific times to either the original creditor (OC) or the third party debt collector (3PDC) in an attempt to have the OC or 3PDC provide validation of the alleged debt. If they are unable to do so, we demand that they zero out our customer’s account and mark it “paid as agreed”.

Second, these letters are also used to expedite the transfer of the account from the OC to the 3PDC at which time our correspondence is used to enhance our compliance audits in Phase Three. Phase Two usually takes from 3 to 8 months depending on the status of the accounts when the individual enters the program and the speed at which the various OCs and 3PDCs respond to our correspondence.

CCDN Phase Three- Federal Lawsuit begins at the completion of Phase Two. In Phase Three, our paralegals conduct a compliance audit of each account of each customer. They then use their completed audits to compose a solid Federal Complaint, which is then sent on to one of our CCDN attorneys for filing in Federal Court. who handles this matter from here. Our experience has been that these cases rarely go to trial and usually settle over the phone usually within 1 to 2 months after the suit has been filed.


 Robert Lock
 Phillip Manger

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