Archive for 2015
Posted on: November 16th, 2015
“What is a request for information under RESPA for my mortgage?”
RESPA is the federal law that governs mortgages. If you think your mortgage company has done something wrong, or if they’re done something that is confusing to you and you don’t understand why they’re doing it, you can send a request for information. These are related to, but a bit different than a notice of error under RESPA.
[A Notice of error is where you say, “Mortgage company, you’ve… (Read more)
Posted on: November 16th, 2015
“What is the timeline on an Alabama foreclosure?”
My name is John Watts. I’m an Alabama consumer protection attorney and today we’re going to answer, “I’m afraid I may be foreclosed. What is the timeline or the timetable in Alabama for a foreclosure?”
It’s a great question. It’s one that we get quite a bit, so we wanted to address it in this video.
Keep in mind there are three stages of foreclosure in Alabama:
There is before the foreclosure.… (Read more)
Posted on: October 30th, 2015
First off, congratulations!
Most people do nothing when they’re sued. You took action, and answered the collection suit. You showed up at court, and you won your case.
Now is the time to finish the good work you have started.
Some people may say, “Well, I’ve won my case, so it’s over.” No, you’re about halfway done, so you need to finish the deal.
Look into suing the debt collector.
I suggest you look into suing the debt collector who… (Read more)
Posted on: October 26th, 2015
“I was foreclosed. Does this mean the sheriff will kick me out of my house?”
This is a very common question. There are so many foreclosures and there’s so much misinformation out on the internet, from real estate agents that come by, from friends and family that give you advice, etc.
Unfortunately, there are a lot of misconceptions out there about what a foreclosure means.
Let’s talk about the three stages of foreclosure.
The first stage is before the foreclosure… (Read more)
Posted on: October 8th, 2015
Hello. My name is John Watts. I am an Alabama Consumer Protection Attorney and this is part of our continuing series on answering questions. The question we will answer today is how does the Fair Debt Collection Practices Act or the FDCPA, apply to my mortgage company?
Here is what the FDCPA regulates or governs. It says if you have a debt collector and you are dealing with a personal debt and not a business debt, then the FDCPA will… (Read more)