Author Archive
Posted on: December 2nd, 2020
What happens with your credit report after you win your collection trial?
When you are in court and you win, what happens with your credit report after the trial? You want the debt removed from your report, but how does this happen?
Do you ask the judge?
Does this happen automatically?
In this post, we’ll discuss how to wrap things up after you win.
You’ve won your court case. What happens with your credit report now?
The judge does not… (Read more)
Posted on: December 1st, 2020
How to know if Rule of Evidence 106 applies in your state court debt collection case
Recently, we made a post discussing Rule of Evidence 106, also known as the Completeness Doctrine. Since making this post, we have received quite a few questions.
This rule says that if you introduce part of a document then you are in fairness required to submit the entire document if requested.
One of our Youtube viewers commented:
“I quoted this rule to the plaintiff’s… (Read more)
Posted on: November 30th, 2020
FDCPA: Get a statement when a debt collector calls a third party
One of the most terrible violations of the Fair Debt Collection Practices Act (FDCPA) that debt collectors make is contacting a third party about a debt.
What is a “third party”?
A third party is anybody other than you, your spouse, or your lawyer.
Everyone else in the world is a third party.
There are very strict rules about when a debt collector can contact a third party,… (Read more)
Posted on: November 25th, 2020
Can I take notes with me to my collection trial to help me remember what happened?
Can you take notes to your upcoming collection trial?
Should you take notes to court?
If you take notes to court, what does that mean?
In Alabama, where I practice, you can certainly take notes with you to a trial.
Anything that you take with you to court can be questioned by the other side.
The collection lawyer can ask to see your notes. … (Read more)
Posted on: November 21st, 2020
Alabama foreclosure: What you should look for in your credit reports to help stop the foreclosure
You’re facing a foreclosure in Alabama.
What should you look for in your credit reports to help you stop the foreclosure?
These suggestions are specific to Alabama.
Your state may be similar, but you will want to check on your state’s laws.
Does your credit report show that you are in foreclosure?
This is very common on credit reports.
As you approach a foreclosure… (Read more)