You are here because you live in Alabama, are dealing with a company that is not treating you fairly, and you need help.

It may be a debt collector who is being abusive in collecting against you or who has sued you.

It may be a mortgage company which is illegally threatening to foreclose on your home, or maybe it already has foreclosed on your home.

It could be false information on your credit report that no one seems willing to fix for you.

Often it involves the frustrating and normally illegal robo dialed calls to your cell phone.

Whatever the reason you sought help, we are glad you are here because we passionately believe that our purpose is to help you do two critical things:

1. Understand your rights; and
2. Take action.

You see, the collection agencies, credit reporting agencies, mortgage companies, big banks, etc. are counting on two things:

That (1) you don’t know your rights and even if you do know your rights, (2) you won’t do a thing in the world about it.

Think of it this way – they only have to be right on one of those two assumptions to win.

If you don’t know your rights, you certainly can’t take the right action.

But even if you know your rights, if you don’t take action – what good does it do you to know your rights?

Knowledge alone is worthless.  Knowledge alone is not power.

Only knowledge mixed with action is power.

This website is designed to help you learn more about your rights and to encourage you to take action. Prove to these abusive companies that their assumptions about you are wrong and you will fight back against illegal abuse. We don’t mind fighting with these companies – this is what we do.

Consumer protection is a vital subject as it can protect all of us — regardless of age, race, wealth, etc.  Anyone — rich or poor, educated or not so educated — can be victimized by abusive companies.  Unless you understand the consumer protection laws and you take action, you cannot protect yourself.  So thanks for joining us on this journey together.

Let us help you today.

John G. Watts and Stan Herring