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)


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)


Why do debt collectors and debt buyers lie about receiving a recent payment?

Simple answer — to claim the statute of limitations (time to sue you) has been restarted by the recent payment. So let’s take an example of how a collector tries to lie to get around the statute of limitations. Debt buyer sued you for a debt you defaulted on 7 years ago.  The statute of limitations for credit card type debt is, at most, 6 years. So the debt collector has filed the lawsuit too late. But. What if it… (Read more)


Are you afraid to sue an abusive debt collector under the FDCPA?

Are you afraid to sue an abusive debt collector under the FDCPA? So you’ve got a debt collector that’s collecting against you, which is fine if you really owe them the money and they are following the rules.  But what if they violate the FCDPA (Fair Debt Collection Practices Act)? They cross the line by harassing you, calling your ex-mother in law and co-workers, threatening you, putting false information on your credit reports, etc. In addition, you’ve figured out that… (Read more)


Can you sue your mortgage company for a defective default letter AFTER a foreclosure?

You were foreclosed on by your mortgage company.  And you are likely still feeling the effects of this — maybe you have been sued for ejectment, there is a deficiency balance allegedly owed, you had to uproot your family to move, etc. It may seem as if all hope is gone — your mortgage company got away with this. But there may yet be hope…. In a very surprising development, the law in Alabama has actually improved for consumers.  Very… (Read more)


Lawsuit against Transworld Systems Inc. related to student loan debt collection

Introduction — Student Loans — TransWorld Systems Inc It is no secret that private student loans are a terrible problem — as are many of the bogus lawsuits filed by National Collegiate Trust.  Or sometimes called National Collegiate Student Loan Trust. The company behind this — often pulling the shots — is an infamous company named Transworld Systems Inc.  They prepare the documents for the Trust collection cases and often manage the entire litigation as well as other collection activities.… (Read more)


Lawsuit against Portfolio Recovery Associates for false credit reporting after settlement

Lawsuit against Portfolio Recovery Associates for false credit reporting after settlement For many years we have talked about and sued over this classic debt collector scam — they say you owe $5,000, you agree to pay $3,000 and that should end it.  But it does not — instead the collector still reports that you owe $2,000 (the difference in $5,000 and $3,000). Here is a recent example of a lawsuit we have filed against Portfolio Recovery Associates (PRA) for this… (Read more)