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Chris Ebert


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I can answer questions for Texas residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas state collections violations. Further I can guide consumers as how to repair their own credit with out the need for hiring a credit repair company.

Experience in the area

For the last 10 years I have worked as a Sr. Paralegal in a law firm ( that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped thousands of clients resolve their credit issues.


The Ramos Law Firm


University of Texas at Austin

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Miss Wilson05/18/16101010 
dennis05/11/15101010thank you Mr. Ebert for your concise .....
Nick McCann04/15/15101010He told me exactly what I wanted .....
Gita10/14/14101010Thank you!

Recent Answers from Chris Ebert

2016-11-06 Ramifications of closing a credit card account:

Glen,    In short, it is only devastating if you intend to use your credit to purchase big ticket items such as cars or houses. Then the drop in the score can cost real money.    If AT&T Universal Card/VISA

2016-10-19 What is a credit card co signer?:

A credit card co-signer is the person that is "really" signing for the credit card because the "signer" can not qualify based on credit or income by them self. The account will reflect on both of your

2015-08-19 Question about repairing delinquent account:

Frank,    I am sorry to hear about your situation. I have been there before and it is tough but the good news is it does end.    1) First option is to do nothing. Time will heal all.Items can not appear

2015-06-18 Is my credit score actually good?:

A 722 credit score is a good score considering that you do not use your credit.     If they look at credit score alone on the application then you should have not problem. On rental applications they are

2015-05-07 raise credit score:

If we are speaking of credit score purposes only, I would use the $5000 to pay down credit cards.    Once the car loan is paid off, it gets calculated as a past current debt and not as a current debt.


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