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.

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)


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)


FDCPA: What are compensatory damages against abusive debt collectors?

FDCPA: What are compensatory damages against abusive debt collectors? So you’re looking at suing a debt collector under the FDCPA (Fair Debt Collection Practices Act), and you’ve come across this concept of “compensatory damages.” Sometimes it’s called “actual damages,” but it’s the same thing. These are damages that compensate you for your loss. This could be compensation for any type of loss. Let’s say you have a debt collector that’s threatening and harassing you by calling you at all hours,… (Read more)


How do I use the FDCPA to help stop a foreclosure in Alabama?

Many folks (and lawyers) do not think of the FDCPA (Fair Debt Collection Practices Act) when it comes to stopping Alabama foreclosures.  But it can be a powerful law when used correctly. We’ll do this in the article: When does the FDCPA apply in a mortgage context? What does the FDCPA prohibit a mortgage company from doing in a foreclosure setting? Some examples of how the FDCPA can stop or reverse a foreclosure. How does the FDCPA work with the… (Read more)


FDCPA: What are punitive damages against abusive debt collectors?

FDCPA: What are punitive damages against abusive debt collectors? So you’re suing an abusive debt collector under the FDCPA (Fair Debt Collection Practices Act), and you’re wondering, “How do I get punitive damages under the FDCPA?” This is actually a bit of a trick question. You can’t get punitive damages under the FDCPA. If you only sue a debt collector for punitive damages, it won’t happen under the FDCPA. However, almost every case we’ve had against abusive debt collectors under… (Read more)


FDCPA Violation: Abusive Language From Debt Collectors

FDCPA Violation: Abusive Language From Debt Collectors So you’re dealing with a debt collector, and they start using harsh language towards you. Does that violate the FDCPA (Fair Debt Collection Practices Act)? Yes, it does. When they use language that harassing or offensive, the debt collectors are breaking the law. You may be wondering, “Well, what is abusive language under the FDCPA?” It could be the debt collector cussing you out, or the collect may be making improper threats against… (Read more)


What is a removal of my case from state court to federal court?

What is a removal of my case from state court to federal court? This is where a state case is moved (“removed”) to federal court. So the case literally started in state court and now is transferred to federal court.  That’s basically what this means. This is the right of a defendant who is sued in state court if one of two things has happened. The first situation is when there’s a federal claim involved. Let’s say you sue an… (Read more)