Abusive Debt Collectors

You CAN fight back against abusive debt collectors.   The laws (including the FDCPA — Fair Debt Collection Practices Act) are on your side and juries understand abusive debt collectors must be stopped.  Discover your rights and take immediate action now.  You can learn from our articles and videos and then call us when you are ready to turn the tables on abusive debt collectors.  Call us at 205-879-2447 — we will be glad to help you.  John Watts

“What should I do if the debt collector lies about removing false credit reporting?”

The main reason debt collectors are sued is the fact that they lie to consumers. Let’s say that a debt collector sends us a letter, and it says we owe $3,000, but they’ll cut us a deal and we will only have to pay a $1,500 to settle the deb. That may be a good deal. But we tell the debt collector, “Hey, this needs to come off of my credit report too.” They’ll either call us on the phone,… (Read more)

What is a 1692e(8) FDCPA violation against debt collectors for false credit reporting?

In Alabama, there’s a problem with debt collectors who knowingly put false information on to consumers’ credit reports which violates Section 1692e8 (sometimes written as 1692e(8)) of the FDCPA (Fair Debt Collection Practices Act). There are also debt collectors who may claim to not know that they’re reporting falsely, but if they had common sense they would know that what they’re reporting isn’t accurate.  Section 1692e(8) also prohibits this type of bad conduct. A 1692e(8) violation under the FDCPA allows… (Read more)

Should I Send A Cease And Desist Letter To Debt Collector?

It is no fun having debt collectors call or write you so it is tempting to send a letter that makes the collection agency leave you alone, right?  So is a cease and desist letter something that you should automatically send to any collector calling you or writing you? Maybe. Let’s look at the good and the bad of sending this type of letter under the FDCPA (Fair Debt Collection Practices Act): Reasons to send a cease and desist letter… (Read more)

“Why is it so important to get information from a debt collector when they call?”

There are a few good reasons why it’s so important to gather information about debt collectors who are calling you. We need to know who we’re dealing with when a debt collector calls you. We need to know the name of the company, and why they’re calling us. This is true whether we owe the debt or don’t owe the debt — we need information so we know who we are dealing with on the other end of the phone.… (Read more)

If I Owe The Debt, I Can’t Sue An Abusive Collector, Right?

Debt collectors have no right to be abusive towards consumers. When you’re dealing with an abusive debt collector, you may have a  troubling thought, such as “Well, I owe this debt, so I can’t sue this debt collector.” That is simply not the case. You see, there’s a difference between owing a debt, and abusive debt collection. They’re two different things. Debt collectors who are willing to violate the law try to put these two together and say, “You owe… (Read more)

Will I Owe Taxes If I Settle With A Collector?

Settling with a debt collector can lead to tax issues in several ways. First, if you sue a debt collector and receive money from the collector, then you may owe taxes on the settlement. Second, if you pay a debt collector less than the amount the collector claims you owe, you may owe taxes on the amount that was “forgiven”. Let’s look at these in more detail. First, if you sue a debt collector and receive money from the collector,… (Read more)