Legal Question in Credit and Debt Law in Virginia

Re: asset protection and collections

Credit repair sevices are largely bogus(in my opinion). The way one repairs one's credit is the slow way, i.e, by paying one's bills on time, one month at a time, month after month, starting, perhaps, with a department store card or credit card funded with a required deposit against which charges may be made.

As for asset protection, assuming that a judgment could still be sought and obtained against you by one of your former unrequitted creditors, putting the property in some other person's name whom you trust implicitly (and, needless to say, who has no credit problems or outstanding judgments), is about the only surefire way to confer such protection on real property which is titled only in your name.