What can a credit repair lawyer do for me that I can’t do on my own?

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Should I try to negotiate with my creditors on my own or should I hire a credit repair lawyer?
What should my budget goals be when working with a credit repair lawyer?
How often should I check my credit score to make sure it’s accurate?
Are there any laws that protect me and my credit history?
Are there any restrictions on who can access my credit information?
What is a credit report?
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