60 Minutes Report Reveals The Broken Credit Report System In America
60 Minutes had an excellent expose of the credit reporting industry and how Equifax, Experian, and TransUnion are not concerned with fixing credit report errors.
The journalist on the story was Steve Kroft who really captured the frustration felt by so many consumers who cannot get the attention of the credit bureaus to fix a credit report with errors.
40 million Americans have errors — there are about 200… (Read more)
“Are Alabama Consumer Lawyers Alchemists?”
Alabama consumers search for consumer lawyers because they have a problem that many have told them cannot be fixed — credit report error, sued by a debt collector, facing (or already have) a foreclosure, harassed by a debt collector, etc.
The question is can a consumer lawyer really help you?
Often the answer is “Yes!”
Let me give you two illustrations not from the legal world and then some case studies about how this can… (Read more)
Simple Dispute Letter To Send To Debt Collectors
We have talked about what to say to debt collectors when on the phone, but what about a “simple” sample letter to debt collectors?
There are some very long, and I think very ineffective, letters that are floating around the internet.
But used properly, the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) do give us some useful tools to help collectors understand that should not abuse… (Read more)
Have You Won Your Debt Collection Lawsuit Against LVNV? Now Finish It….
If you have won your Alabama collection lawsuit that the giant debt buyer LVNV Funding, LLC filed against you, then congratulations but understand that your victory is not complete yet.
LVNV may still be illegally collecting against you even though the case was dismissed with prejudice or you received a judgment in your favor.
Keep reading to find out more about your rights to make sure LVNV is… (Read more)
Radio Interview On Debt Collectors And Credit Reports
I was interviewed on the Steve and Leah Show sometime back and thought it might be helpful to you as they asked some excellent questions about debt collectors harassing Alabama consumers and also what to do about false credit reporting.
They were great to work with as it was my first time on radio.
They had a little fun with me at the end of the interview because of that… 🙂
… (Read more)
Alabama Consumer Lawsuits Against LVNV For Illegal Collection Actions
LVNV, which is a debt collector/buyer, sues many consumers in Alabama.
All cases that we are aware of where the consumer fought back, LVNV has lost the collection case.
The reason for this is that LVNV files suits with not apparent intention of ever proving their case.
These cases seem to be filed simply to obtain default judgments.
In our judgment this violates the Fair Debt Collection Practices Act, also known… (Read more)