Author Archive


Sued by Debt Collector: Understanding Your Legal Options in Alabama

Understanding Your Legal Options: A Guide to Handling Debt Collection Lawsuits in Alabama When faced with a debt collection lawsuit in Alabama, it is easy for you to feel stressed.  And overwhelmed and uncertain about you legal rights and options. This guide help you know the steps to take when you are sued by debt collectors such as LVNV, Midland, Portfolio Recovery Associates (PRA), etc.  This series will also give you a roadmap to get to the good solution you… (Read more)


Preparing for Your Day in Court: A Guide for Self-Representation in Debt Collection Lawsuits

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)


Damages under FDCPA including discussion of emotional distress damages

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)


Credit Repair: How to do an online dispute the RIGHT way to fix errors on your credit reports

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)


Is it LEGAL for debt buyer to BUY my old defaulted debt in Alabama and then sue me?

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)