Abusive Debt Collectors

Abusive debt collectors are like bullies. If you don’t take action, they get worse. If you fight back, they tend to go away. Learn how to fight back using the laws.

Fair Debt Collection Practices Act (FDCPA) — protecting consumers from abusive debt collectors

The Fair Debt Collection Practices Act (FDCPA) is a powerful law that helps protect consumers, including Alabama consumers, from abusive and harassing debt collectors. In this article we’ll take a dive into the following: What is the purpose of the FDCPA What is a “debt collector” under the FDCPA Who is a consumer under the law What debts are covered and not covered under the FDCPA What type of conduct is forbidden Exactly what is a debt collector required to… (Read more)


FAQ About Debt Collector Harassment Which Violates The FDCPA

Is A Debt Collector Harassing You Illegally?  Find Out What Your Rights Are So You Can Take Action Against Abusive Debt Collectors! We realize that dealing with debt collectors can be intimidating.  Not just because abusive collectors are intimidating but also because you may not fully understand your rights and what collectors can, and cannot, do in collecting a debt from you. We have laid out some typical questions that we are asked by Alabama consumers who want to know… (Read more)


Fair Debt Collection Practices Act (FDCPA) — protecting consumers from abusive debt collectors

The Fair Debt Collection Practices Act (FDCPA) is a powerful law that helps protect consumers, including Alabama consumers, from abusive and harassing debt collectors. In this article we’ll take a dive into the following: What is the purpose of the FDCPA What is a “debt collector” under the FDCPA Who is a consumer under the law What debts are covered and not covered under the FDCPA What type of conduct is forbidden Exactly what is a debt collector required to… (Read more)


Can you really get mental anguish for false credit reporting against a debt collector?

Can you really get mental anguish for false credit reporting against a debt collector? When we sue for false credit reporting, we almost always make a claim for mental anguish. We have been suing debt collectors (Midland Funding, LVNV, Portfolio Recovery), credit bureaus (TransUnion, Equifax, Experian), and companies that furnish information to these credit bureaus for false credit reporting for many years.  In every single case, the defense lawyers come back to us and say, “We didn’t do anything wrong,… (Read more)


CFPB settles with Midland too cheap?

CFPB settles with Midland too cheap? A little over a month ago, we discussed the Consumer Financial Protection Bureau (CFPB) and their lawsuit against Encore, Midland Funding, and its associated companies. Now, they have proposed a settlement with these companies.  Ultimately, it will be up to the judge to decide whether to accept this settlement or not.  Personally, I think the settlement being proposed is very weak.  They filed suit back on September 8th, 2020. In this article we will… (Read more)


FCRA credit reporting: examples of technical accuracy

FCRA credit reporting: examples of technical accuracy A lot of times when we sue credit reporting agencies (Equifax, TransUnion, Experian) or furnishers (companies who provide information to the credit bureaus) under the Fair Credit Reporting Act (FCRA), they love to say “Well, yeah, but you know this is technically right. It might be a little deceptive, but it is technically right.” There are ways to argue against this. We can flip this argument over on them.  Here are some examples… (Read more)


Is it good to send a dispute letter beyond the 30-day window of 1692g?

Is it good to send a dispute letter beyond the 30-day window of 1692g? 1692g letter is what is sent to you by the debt collector which also tells you that you have 30 days to dispute. Can you send a validation notice after the 30-day period has ended? Yes, you can absolutely send a letter outside of the 30-day period. The downside is that you lose some of your rights once you are outside that 30 day period.  If… (Read more)


What’s the danger in making a payment past the Statute of Limitations?

What’s the danger in making a payment past the Statute of Limitations? Debt collectors must sue within the Statute of Limitations. If they sue on a debt that is past the Statute of Limitations (also known as a time-barred debt), they violate the FDCPA. This time period to sue will vary depending on your state and the type of debt. In Alabama, it could be 3 to 6 years. Other states can be different.  Whatever the time period is in… (Read more)