Let me say up front that we are VERY proud of what we do. We help middle America fight the big banks and corporations. Is Credit Repair legal and Ethical? Yes, credit repair is legal and the credit repair industry is a heavily regulated industry and has been since 1996 with the passing of the Credit Repair Organizations Act. Sure there are a few bad apples out there as there are in every industry. The Credit Repair Organizations Act specifically prohibits companies from charging up front for the services. It is important that the services are provided first before payment is received. We know what you are thinking, is it ethical? If the person had the late payment on their credit, or the account was charged off, isn't it wrong to remove it from the bureau? Our answer is yes, and something that is accurate and verifiable cannot be removed from someone's account. However, have you ever made a mistake where someone is holding that mistake over your head for a period of time? Suppose that person, was not able to verify the fact that you made the mistake, is it right for them to continue to hold it over your head when they do not have the proof that the mistake was even made? Or perhaps they have the wrong information and they should not be publicizing the fact that a mistake was made. This is what credit repair is all about; making sure that everything on the report is 100% accurate and 100% verifiable, 100% of the time.
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Tomas Czernek is a Licensed Financial Representative with Primerica serving LAKELAND and its surrounding areas.
BAYLIS & COMPANY PA was formed by its principal officers in 1980 to provide an organization capable of providing a comprehensive range of client services. We are a dynamic and progressive firm of accounting and business professionals, and we believe that our team approach to client services allows us to bring different backgrounds and experiences to the client relationship, increasing overall client benefit.We continually strive to have the growth, flexibility, and specialization necessary to meet client needs in today's rapidly changing business environment. We have expanded steadily with the help of our team of dedicated professionals and loyal clients to serve a variety of Central Florida organizations, corporations, and individuals.Our Firm incorporates many of the advantages of larger regional practices, while retaining the close personal services associated with local firms. Each client receives a significant amount of attention from our senior professionals, assuring continuity and quality of service.We are committed to building long term relationships and solving client problems and challenges within a framework of high ethical standards and integrity.Our goal is to provide quality services with the professional expertise and diversity generally associated with larger firms, but with the accessibility and close personal contact of a smaller firm.Each client engagement is carefully planned and budgeted to completion based on the size and scope of services to be provided. Specific work programs and time budgets are prepared and designed to achieve specific objectives. The programs provide for ongoing control and monitoring of progress, maintenance of quality standards of field work, and effective fee containment.A professional accountant should conduct and conclude each engagement in such a manner that the accomplishments and benefits which accrue to the client organization are fully realized. During each engagement, the client or his designated representative is involved to the greatest extent practical to allow for the full understanding and benefit of all activities and actions.One of the first phases of any engagement involves the delineation of client needs or issues. A preliminary consultation is held with prospective clients to determine the extent to which we can provide beneficial services. Upon completion of this initial step, a Firm professional will formulate and discuss with each client appropriate approaches to the proposed engagement along with any required estimates of manpower, time frames and related considerations. We believe we have a professional responsibility to provide such information and, upon acceptance, to operate within the established constraints.Charges for services are based upon hourly fees plus reimbursement for direct costs. Fees vary, consistent with the degree of experience and capability required for each engagement and the level of work performed.
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