NewLeaf × Swift Law North
Errors on your credit report? A consumer-protection law firm sues over them.
NewLeaf helps you connect with Swift Law North, a consumer-protection law firm that sues credit bureaus and debt collectors. Start with a free case review — no cost, no obligation.
- Attorney-led litigation (Swift Law North)*
- Free case review · no obligation
- 24/7 intake
*Attorney-led litigation describes Swift Law North, not NewLeaf. The review is free and carries no obligation.
NewLeaf is not a law firm and does not provide legal advice. NewLeaf may be compensated for referring you to Swift Law North. Swift Law North is solely responsible for its legal services. Outcomes vary and are never guaranteed. This page is advertising, not legal advice.
The problem
Credit-report errors and collector harassment are common — and sometimes actionable.
Credit bureaus and collectors are required to follow the law, but mistakes and overreach happen. Common situations:
Inaccurate or unverifiable accounts
Accounts on your report that are wrong, outdated, or cannot be verified by the furnisher.
Identity theft or fraud
Accounts or inquiries you did not cause — opened with stolen personal information.
Mixed, merged, or split files
Your file combined with someone else's, separated into multiple reports, or showing multiple SSN variations.
Falsely reported as deceased
Being mistakenly reported as dead — which freezes credit access entirely.
Unlawful debt-collection contact
Repeated, harassing, or otherwise unlawful contact from collectors.
If any of this sounds like your situation, a free review can tell you whether Swift Law North may be able to help. Eligibility is decided by the firm, not by NewLeaf.
Who qualifies
Who Swift Law North may be able to help
- Victims of identity theft or fraud
- People with errors on credit reports
- Mixed or merged credit files
- Split files (your file separated into multiple reports)
- People falsely reported as deceased
- Reports showing multiple SSN variations
- People facing debt-collection harassment
- Business owners whose clients need this kind of help
Eligibility is determined by Swift Law North after review — not by NewLeaf. Not every situation qualifies, and completing a review does not create an attorney-client relationship with anyone.
How it works
How it works
01
Free case review
Tell us about your situation. No cost, no obligation.
02
NewLeaf qualification & enrollment
NewLeaf collects the basics and helps set you up in our system.
03
Swift Law North case review
Your information is passed to the firm's intake team for review. They decide whether they can take your case.
04
Litigation
If the firm accepts your case, it handles the legal work and communicates with you directly once you are its client.
05
Settlement
If the case settles, Swift Law North says clients may receive a settlement payment. Outcomes are not guaranteed.
Swift Law North says the process typically takes about 1–2 years from start to settlement, depending on your situation.
Why Swift Law North
Why Swift Law North
Swift Law North, LLC is a consumer-protection law firm that sues credit reporting agencies (Equifax, Experian, TransUnion) and first- and third-party debt collectors. The firm states that founder and consumer-protection attorney Aaron Swift has over 15 years of experience, and that Swift Law North has litigated over 1,000 lawsuits against credit reporting agencies and collectors.
Claims above are as stated by Swift Law North and are not independently verified by NewLeaf. Past results do not guarantee a similar outcome; every case is different.
Affiliations listed by the firm: National Association of Consumer Advocates · National Consumer Law Center · Credit Con Conference.
Services & terms
What Swift Law North says it does
- Sues credit reporting agencies and collectors over credit-report errors and illegal debt-collection practices.
- Practice areas it lists: FCRA, FDCPA, FCBA, EFTA, landlord/tenant, auto fraud and repossessions.
- Case types it prioritizes: identity theft and fraud, mixed or merged files, split files, falsely reported deceased, multiple SSN variations, and debt-collection harassment.
- Timeline: about 1–2 years from start to settlement (their statement).
- States: the firm works through network attorneys licensed and/or eligible to file in each state; eligibility is confirmed by the firm.
- What it costs you here: nothing — the review and the consultation are free. If the firm takes your case, it explains its own terms at the consultation.
All terms above are as stated by Swift Law North; NewLeaf does not set, guarantee, or administer the firm's services. See the firm's own site for its current terms.
Being sued for debt?
It depends on whose debt it is
Swift Law North says it takes consumers being sued only over accounts that aren't theirs — identity theft, mixed or merged files, falsely reported deceased, settled debts, or debts included in bankruptcy. Sued over a debt that is yours? The firm says it can't help with that, and our review will point you to other options instead.
Check my situationBefore your consultation
Prepare your credit reports
The firm reviews your credit reports at the consultation. When you start a review, we walk you through pulling all seven of your main reports — free sources, what to do when a bureau resists, and what to bring.
Your consultation
What to expect at your free consultation
01
They review your credit reports with you — bring the seven reports you pulled, or whatever you could get.
02
They explain what they find, in plain language — which entries look wrong and why they matter.
03
They outline your options, including whether Swift Law North can take your case. Swift Law North says the process, if it proceeds, typically takes about 1–2 years.
04
No cost, no obligation — the consultation is free, and it is not case acceptance.
Straight answers
Questions, answered plainly
Does this cost me anything?
The free case review costs nothing, and there is no obligation. What happens next — and any terms of working with the firm — is explained at your free consultation.
Is NewLeaf a law firm?
No. NewLeaf is not a law firm and does not provide legal advice. NewLeaf is an independent company that promotes Swift Law North and connects consumers with its intake team.
Will I definitely win / get money?
No outcome is guaranteed. Swift Law North states it has a high success rate, but every case is different and results vary. Past results do not predict your result.
How long does it take?
Swift Law North says the process typically takes about 1–2 years from start to settlement, depending on your situation.
Do I have a case?
Only Swift Law North can make that call. Start a free review and the firm will assess your situation. Completing a review does not create an attorney-client relationship.
What will I need to provide?
Basic information about you and the issue, and (as the case proceeds) your credit reports and relevant documents.
Can Swift Law North help in my state?
The firm works through network attorneys licensed and/or eligible to file in each state. Eligibility is confirmed by the firm during review.
Is my information safe?
Information is handled under NewLeaf's Privacy Policy and shared with Swift Law North for review.
Trust · enterprise readiness
Built to be checked — not just clicked.
How we’re structured · plain English
Clear about what NewLeaf is — and isn’t.
FinTech SaaS
NewLeaf is a financial technology company. Subscription covers software to read your credit report, track disputes, log creditor communications, and learn your rights — plus live guidance 24/7.
Settlements
NewLeaf is not a debt settlement company and does not settle debts as your settlement provider. You can negotiate with creditors through the app when that path fits. Larger cases may be referred to independent partners — partners may charge their own fees. NewLeaf does not collect a fee based on the amount of debt settled or the amount saved.
Banking
NewLeaf is not a bank and does not take deposits. Any financing or banking services, when available, come from separate partners under their own terms.
Support · 24/7 channels
One call, one text, one email, or one click — support channels are available around the clock for billing questions and account help.
NewLeaf is not a law firm and does not provide legal advice. NewLeaf may be compensated for referring you to Swift Law North. Swift Law North is solely responsible for its legal services. Outcomes vary and are never guaranteed. This page is advertising, not legal advice.
Final step
Start your free case review
Tell us a little about your situation. We'll help you get set up and, if it looks like a fit, pass your information to Swift Law North for review.
By starting, you agree to be contacted about your review and accept our Terms and Privacy Policy. No cost, no obligation.
NewLeaf is an independent company that markets and refers consumers to Swift Law North, LLC and may receive compensation for referrals. NewLeaf is not a law firm, does not provide legal advice, and does not control Swift Law North's services or outcomes. Nothing on this page is legal advice or a guarantee of any result. Attributed claims are as stated by Swift Law North and not independently verified by NewLeaf.