There’s not much lucre in asking consumer credit reporting agencies to fix errors on reports, but Greenberg Minasian will do it for free to get work in its chosen niche — consumer-credit litigation.

If the client’s credit report is fixed as a result of the letters, so be it. But if credit agencies resist, the two-lawyer West Orange, N.J., firm often goes to court. About 40 percent of its cases move from letter-writing to litigation — enough to make time investment worthwhile.