Collections & charge-off help in Texas
Collections on your report? Let's audit every one.
We review each collection and charge-off across all three bureaus, check it for accuracy and verifiability, and challenge what does not hold up, using Metro 2-compliant disputes. Free consultation. No setup fees.
Book your free consultation See plans
- No setup fees
- Cancel anytime
- Metro 2-compliant disputes
What we actually do about collections.
No magic, no gimmicks. Every collection account on your reports has to meet strict reporting standards. When it does not, we challenge it.
- Full three-bureau auditWe pull every collection and charge-off across Experian, Equifax, and TransUnion and compare how each bureau reports it. Discrepancies between bureaus are themselves disputable.
- Validation reviewCollectors must be able to verify what they report. We review balances, dates, account numbers, and ownership for inaccuracies.
- Metro 2-compliant disputesDisputes go out formatted to the Metro 2 standard the bureaus' own systems use, which means they get processed instead of ignored.
- Track every responseWe review each bureau response with you, explain what changed, and plan the next round. You see everything.
A Texas note: most consumer debts in Texas carry a four-year statute of limitations for lawsuits, but that clock does not control how long an item can appear on your credit reports. That is a separate question, and we will walk through both on your consultation.
Questions, answered.
Straight answers before you ever talk to us.
Can collections be removed from my credit report?
Sometimes. Collection accounts must be reported accurately and be verifiable. When they are not, a properly formatted dispute can get them corrected or removed. Accurate, verifiable collections may remain.
Should I just pay the collection?
Not before understanding the trade-offs. Paying does not automatically remove the account, and in some cases it can restart the clock on older debts. Talk to us first, it is a free consultation.
What is the statute of limitations on debt in Texas?
For most consumer debts in Texas, collectors have four years to sue. That limit is about lawsuits, not credit reporting, which follows federal rules. We can explain how both apply to your situation.
How much does collections removal cost?
Our plans are $65 to $149 per month depending on the number of items and level of support, with no setup fees. Your first monthly payment starts the process. Medical collections, apartment collections, and charge-offs all count toward your plan's item limits.
Do you work with clients outside Austin?
Yes. We serve clients across Texas by phone and through our client portal, with a focus on the greater Austin area.
How it works.
Three steps, no setup fees, and you can cancel anytime.
- Free three-bureau reviewWe go through your Experian, Equifax, and TransUnion reports item by item and map every negative mark.
- Metro 2-compliant disputesWe challenge inaccurate, incomplete, or unverifiable items the way the bureaus' own systems require.
- Track results, keep goingAs responses arrive, we review the results, explain the next move, and continue with the services in your plan.
Start with a free consultation.
We review all three of your credit reports together and give you a straight recommendation. No setup fees, no pressure, cancel anytime.
Phone: (737) 356-1884
Email: info@nexgenfiscal.org
- Current reports from all three bureaus
- The negative items you want reviewed
- Your credit and funding goals