Articles

For your convenience, our consumer protection attorneys at Watts Law Group P.C. & M. Stan Herring P.C. have included the following publications and articles that we have written. We want to give you valuable information on consumer protection issues, including wrongful foreclosures, creditor harassment, and violations of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act.

We hope you find these articles and publications both helpful and informative. Please contact us if you have any questions or want to discuss your legal issues with an experienced consumer protection attorney. We have been helping consumers for more than 25 years.

We have also provided important forms, such as how to request your free annual credit report and form letters to send to harassing creditors, for your convenience.

Consumer Protection Articles

Foreclosure Issues

Three Stages Of Foreclosure In Alabama 

What Do I Need To Bring To My Meeting With An Alabama Foreclosure Defense Lawyer?

What Is Wrongful Foreclosure In Alabama?

Overview Of Five Common Mistakes Alabama Consumers Make When Sued For Ejectment

First Common Mistake Alabama Consumers Make When Sued For Ejectment 

Should I Trust The Foreclosure Lawyer To Advise Me?

Debt Collection Harassment 

Illegal Calls To Cell Phones - Auto Dialers, Threats, Third Party Disclosures, Or No Mini-Miranda

Why Debt Collectors Who Leave Voicemails Are Inviting A Lawsuit - Free Report Offered 

Two Reasons Why We Recommend You Not Record Phone Calls in Alabama

How To Use The Collection Communications Log When Dealing With Debt Collectors

Is It Legal For Debt Collectors To Report On My Credit Reports?

Debt Collectors Who Sue You After The Statute Of Limitations Has Expired Likely Violate The Fair Debt Collection Practices Act

Debt Collectors Can Only Call Third Parties (Someone Other Than You Or Your Spouse) To Obtain "Location Information"

Debt Collectors Who Threaten To Sue You After The Statute Of Limitations Has Expired Violate The Fair Debt Collection Practices Act (FDCPA)

Why Do Debt Collectors Call Third Parties? 

Three Ways To Stop Collection Calls Including Sending A Cease And Desist Letter 

Congress Passed The Fair Debt Collection Practices Act To Protect . . . Debt Collectors

Debt Buyer Collection Lawsuit

Why Debt Buyers Must Delete Credit Reporting When They Lose Their Collection Case Against You

Why Answering A Debt Buyer Lawsuit With "I Don't Have A Job" Or "I Don't Have Any Money" Is Not Effective 

Why We Don't Recommend Filing A Counterclaim Against A Debt Buyer Who Sues You 

What Does An Appeal From District (Small Claims) Court To Circuit Court Mean For Me? 

Fair Credit Reporting Act

How Do I Send A Proper Dispute Letter To The Credit Reporting Agencies To Correct False Information On My Credit Reports? 

Do I Have To Dispute False Information Through The Credit Reporting Agencies Before Suing The Furnishers? 

Your Right To Have Accurate Credit Reports

Car Finance Companies

How To Use The TCPA To Stop Abuse From Car Finance Companies Against You And Your Cell Phone

General Topics

Why We Recommend Certified Mail, Return Receipt Requested

Why We Are Consumer Protection Attorneys 

Past Issues Of Newsletters