Marcos Ortega
Marcos Ortega is the pen name of the DisputeMatchPro editorial team, writing as our Consumer Rights Writer. Articles under this byline explain credit reports, debt collection and your rights under laws like the FCRA and FDCPA in plain English and Spanish, and each one is checked against the law and official CFPB and FTC sources before it is published. Marcos Ortega is not a lawyer, and nothing in these articles is legal advice; read how we work in our Editorial Policy.
Articles by Marcos Ortega
How to Send a Dispute Letter by Certified Mail
Certified mail gives you proof of when your dispute was mailed and delivered. Here is how to send it, what it costs, and what to keep.
Debt CollectorsMidland Credit Management: Who They Are and How to Handle Their Letters
Midland Credit Management collects old debts bought by Midland Funding. Here is who they are, your rights, and how to respond to their letters.
Debt CollectorsLVNV Funding and Resurgent Capital: What to Do If They Contact You
LVNV Funding owns the debt and Resurgent Capital Services manages it. Here is how they work, your rights, and the steps to respond.
Debt CollectorsPortfolio Recovery Associates (PRA): How to Respond and Protect Your Rights
Portfolio Recovery Associates buys and collects old debts. Learn about its CFPB orders, your rights, and how to respond step by step.
Debt CollectorsCL Holdings on Your Credit Report? What It Means and What to Do
CL Holdings is part of the Jefferson Capital debt-buying group. Here is how to identify the debt, request validation, and dispute errors.
Debt CollectorsCredit Collection Services (CCS): How to Deal With Their Calls and Letters
Credit Collection Services often collects insurance, utility, and phone bills. Learn your call rights, how to dispute, and how to stop contact.
Debt CollectorsIC System Collections: Your Rights and How to Respond
I.C. System collects mostly medical, utility and telecom debts. Here is how to check the debt, dispute it in writing and use your rights.
Debt CollectorsTransworld Systems Inc (TSI): Student Loan and Medical Collections Explained
TSI collects medical bills, private student loans and more. Learn what the 2017 CFPB order said and how to respond to TSI step by step.
Debt CollectorsNational Credit Systems: How to Handle Apartment and Rent Collections
National Credit Systems collects for apartment owners. Here is how to check rent, damage and lease-break charges and dispute them the right way.
Debt CollectorsKriya Capital: Who They Are and How to Respond to Collections
Kriya Capital is a Dallas investment firm that owns collection and medical billing companies. Here is how to identify the debt and respond.