Author Archive
Posted on: July 25th, 2023
Preparing for Your Day in Court: A Guide for Self-Representation in Debt Collection Lawsuits
If you find yourself facing a debt collection or debt buyer lawsuit and have chosen to represent yourself, it’s crucial to prepare adequately. This guide provides practical tips on how to familiarize yourself with the courtroom and the judge’s procedures before your trial day.
Understanding the Importance of Preparation
The first step in preparing for your trial is understanding the importance of being familiar with… (Read more)
Posted on: July 18th, 2023
Damages under FDCPA including discussion of emotional distress damages
Understanding the FDCPA and its Damages
There is often confusion about the damages one can receive under the Fair Debt Collection Practices Act (FDCPA). When you sue an abusive debt collector under the FDCPA, what exactly are you entitled to? Is it less than a thousand dollars, a hundred thousand, or can you get punitive damages? This article aims to clarify these questions and provide a comprehensive understanding of the… (Read more)
Posted on: July 11th, 2023
Credit Repair: How to do an online dispute the RIGHT way to fix errors on your credit reports
The Online Dispute Process
The online dispute process might seem like the easiest type of dispute to handle. However, it can be more difficult than expected. Despite this, results are usually obtained a lot quicker when disputes are done online. This is due to a system called e-Oscar, a communication network between credit bureaus and furnishers such as Capital One.
When… (Read more)
Posted on: July 3rd, 2023
Is it LEGAL for a debt buyer to BUY my old defaulted debt in Alabama and then sue me?
When you find yourself being sued by a debt collection company like Midland Funding, Midland Credit Management, Portfolio Recovery, or LVNV, one of the first questions that might cross your mind is whether this process is even legal. Is it lawful for a bank such as Credit One or Synchrony Bank to sell your debt to a debt collector? This is… (Read more)
Posted on: June 27th, 2023
Advertisement letters from lawyers saying I have been SUED: Are these a SCAM or legit?
Have You Actually Been Sued?
The Initial Doubt
The first step is to verify whether you have actually been sued. If you receive a letter in the mail from a law firm or mediation company stating that you’ve been sued, it’s natural to question its legitimacy. This is especially true given the number of scams that exist today, from phishing attempts to fraudulent emails… (Read more)