Author Archive


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)


Advertisement letters from lawyers saying I have been SUED: Are these a SCAM or legit?

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)


30-minute Q&A with Consumer Attorney John Watts

30-minute Q&A with Consumer Attorney John Watts What questions do you have?   First question: Do you do credit repair? The short answer is no. At least, I don’t do what people think of as “credit repair.” Normally, credit repair means you pay me money to prepare some letters for you, and then we’ll see if we can get rid of some negative information. At my firm, if we agree to represent you, we look at your credit reports, and… (Read more)


FCRA and FDCPA: Answering Your Questions

FCRA and FDCPA: Answering Your Questions   For those who don’t know me, my name is John Watts, I’m a consumer protection attorney. Feel free to subscribe to my YouTube channel, Alabama Consumer Protection Lawyers, and feel free to ask questions or send me your comments. Today, I’ll be answering some questions from the comments section on some of my YouTube videos.   Ernie asks, “How can I dispute to a credit company reporting a charge off but another credit… (Read more)