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 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)


How much can I get in statutory damages under the FDCPA?

How much money can you receive in statutory damages against an abusive debt collector? You can receive up to $1,000.00 in statutory damages under the FDCPA (Fair Debt Collection Practices Act). Note:  This is different than the TCPA (Telephone Consumer Protection Act) where you can receive statutory damages of up to $1500 per illegal call/text. Let’s talk about: What are statutory damages in general? What are the factors in how much you can receive? Examples of statutory violations that would… (Read more)


My debt collection lawsuit was dismissed with prejudice — now what?

Problem of being sued becomes a great opportunity when you win — when the case is dismissed with prejudice Summary If you were sued by a debt collector (debt buyer) and your case was dismissed with prejudice, then this is the same as winning your case.  (I’m not talking about a settlement but where the court does this outside of a settlement).  And we are only talking about Alabama law — other states may be different. As a dismissal with… (Read more)


Where can I sue debt collectors under the FDCPA — state or federal court?

Which way do you go — do you file in state court or federal court when suing an abusive debt collector? You are tired of dealing with abusive debt collectors so you are going to sue them under the FDCPA (Fair Debt Collection Practices Act).  But the question becomes:  Where do you sue?  State or federal court? You can sue in either court under the FDCPA You have the option — sue in state or in federal court. Let’s look… (Read more)


“What’s the difference between a tax collector and a debt collector?”

“What’s the difference between a tax collector and a debt collector?” “What’s the difference between a tax collector and a debt collector?” This is a question I was asked recently, and I thought I’d share it with you. A tax collector works for the IRS, and they handle any cases where money is owed to the IRS. This is the person who is calling you and letting you know that the IRS says that you owe money. They only work… (Read more)