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)


What does the bankruptcy of CACH (Square Two) mean for collection suits and FDCPA suits?

A practical explanation of what it means that CACH has filed bankruptcy On March 19, 2017, CACH (through Square Two Financial Services Corporation) filed a voluntary petition for relief under Chapter 11 of Title 11 of the United States Code in the United States Bankruptcy Court for the Southern District of New York, Case No. 17-10663, and jointly administered under In re Square Two Financial Services Corporation, et al., Case No. 17-10659. OK in simpler terms, CACH went bankrupt. What… (Read more)


Make sure your lawyer answers all of your questions before hiring the lawyer

You have questions — make sure any lawyer you consider hiring answers all of your questions The primary reason you consider hiring a lawyer is because you have questions about the law or how the legal process works.  Especially when you are considering being in court — it is natural that you would have questions. So here are some suggestions as you go through the process of finding and hiring a consumer protection lawyer. Make a written list of any… (Read more)


Should I use the FDCPA or FCRA when a debt collector has false credit reporting on me?

“Should I use the FDCPA or FCRA when a debt collector has false credit reporting on me?” This is a good question. You can actually use either of them, or in some cases you can use both. Under the FDCPA (Fair Debt Collection Practices Act) you can sue a debt collector without disputing with the credit reporting agencies. However, you may want to try disputing through the credit reporting agencies so that you can use the FCRA also. The FDCPA… (Read more)


If I settle with a debt collector, will I be sued again on the same debt?

“I have been sued by a debt collector in Alabama. I want to settle the debt, but I’m afraid I’ll be sued again on the same debt. Is this possible?” Some people may think this is silly, but this is a legitimate concern. How could this be, you may ask? Debt collectors have done this exact thing in the past with other consumers. Here’s an example. Let’s say that you owe $8,000. Then, to settle the debt with the collector,… (Read more)


Why does the debt collector have to pay my attorney fees under the FDCPA?

What does it mean that the debt collector I sued under the FDCPA may have to pay my attorney fees? This is a wonderful benefit of the FDCPA (Fair Debt Collection Practices Act).  Let’s look at attorney fees in general to understand why. The normal rule. The normal rule is that everyone pays for their own attorney’s fees. Whether you are sued or you do the suing, you normally pay for your own attorney. This is true whether you win… (Read more)