General Consumer Issues

We understand that sometimes it is easier to learn by watching a video and that you may also want to get a feel for who we are and how we discuss legal matters.

We welcome you to view our videos below – you can simply click on the button that appeals to you and we hope that the videos you find will be very helpful to you.

I’m Nervous About Giving A Deposition — Is This Normal?

It is normal to be concerned when your deposition has been scheduled.  A deposition is when you will be questioned by lawyers and you will give your answers under oath.
As we show in the video above, however, you can break down each question that comes your way into a four part process:

Make sure you hear the question;
Make sure you understand the question;
Make sure you think about the truthful answer; and
Only answer the question asked.

Now,… (Read more)


Are You A Hero If You Sue An Abusive Debt Collector?

Yes you are.  Think about stories that you like or that you tell your children.
There is always an ordinary person — or at least it appears that way — and there is a dire threat.  Some force or monster or situation that can’t be stopped.  Can’t be defeated.
Many have opportunities to stand up and fight back.
But almost no one does.
Except.
Except there is one person — a seemingly ordinary person — who makes a stand.
This… (Read more)


How To Get Your PIN To Find Out About Your Student Loans

To go anywhere, you need to know where you are right now.  With student loan issues, we need to know “where we are now” with our student loans, particularly if you are dealing with student loan collection issues.
Who has them.  In default or current?  How much do we owe?
You need your PIN to get the information.
You can go to the official “Federal Student Aid PIN Web Site” to start the process.  Click on the “APPLY NOW” button.… (Read more)


Why We Are Consumer Protection Attorneys

Like most people, we get asked “what we do” by people and as we answer that we will usually say that “I am a consumer lawyer.”  Which leads to several questions which we thought we would go ahead and address here.
WHAT IS A CONSUMER LAWYER OR A CONSUMER PROTECTION ATTORNEY?
A consumer lawyer or a consumer protection attorney is a lawyer that fights for his or her clients who are individuals (consumers) as opposed to partnerships, businesses, or corporations.… (Read more)


Why We Recommend Certified Mail, Return Receipt Requested

INTRODUCTION
Whenever you communicate with a debt collector or credit reporting agency (Equifax, Experian, Trans Union, etc) we always recommend that you do so by certified mail, return receipt requested.  Sometimes our clients want to know why is it so important and why is it not good enough to just fax or mail a letter in a cheaper manner.  The answer is with anything other than certified mail, it can become difficult to prove the collector or credit reporting agency… (Read more)


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

We are often asked if abusive debt collectors should be recorded. The short answer is “No”. The longer answer is “not usually”.
There is a lot of information on the internet about recording calls. We wrote this free report to help give you our perspective so you can have more information to make the right choice on whether or not to record calls when dealing with an abusive debt collector.
REASON ONE – AVOID PROSECUTION IN A FOREIGN STATE
We… (Read more)