Author Archive
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)
Posted on: June 15th, 2023
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)
Posted on: June 8th, 2023
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)
Posted on: May 25th, 2023
LVNV Sued You
Why are they suing?
And what are your options?
LVNV has sued you in a debt collection lawsuit.
Why are they suing you, and what are your options?
Who is LVNV Funding, LLC?
This is a debt collector or a debt buyer.
They are suing you because they claim that they have bought an old debt.
The debt might be from Credit One, Synchrony Bank, Chase, or another old original creditor, but they claim to have… (Read more)