General Consumer Issues

We understand that sometimes it is easier to learn by watching a video and that you may also want to get a feel for who we are and how we discuss legal matters.

We welcome you to view our videos below – you can simply click on the button that appeals to you and we hope that the videos you find will be very helpful to you.

How to know if Rule of Evidence 106 applies in your state court debt collection case

How to know if Rule of Evidence 106 applies in your state court debt collection case Recently, we made a post discussing Rule of Evidence 106, also known as the Completeness Doctrine. Since making this post, we have received quite a few questions.  This rule says that if you introduce part of a document then you are in fairness required to submit the entire document if requested.  One of our Youtube viewers commented: “I quoted this rule to the plaintiff’s… (Read more)


Can I take notes with me to my collection trial to help me remember what happened?

Can I take notes with me to my collection trial to help me remember what happened? Can you take notes to your upcoming collection trial? Should you take notes to court? If you take notes to court, what does that mean? In Alabama, where I practice, you can certainly take notes with you to a trial.  Anything that you take with you to court can be questioned by the other side.  The collection lawyer can ask to see your notes. … (Read more)


What in the world are affirmative defenses?

What in the world are affirmative defenses? You’ll typically find affirmative defenses in Rule 8 of your Federal Rules of Civil Procedure. Most states tend to follow the guidelines in the Federal Rules of Civil Procedure, but be sure to check on your state’s specific rules.  For Alabama, the state where we practice, you can find affirmative defenses in Alabama Rules of Civil Procedure Rule 8(c). But what are affirmative defenses? I’m the defendant and I say to the plaintiff… (Read more)


How should your lawyer communicate with you as a client?

How should your lawyer communicate with you as a client? If you hire a lawyer, how should your lawyer communicate with you and how should you communicate with your lawyer? Here’s the bottom line – the communication should be done in a way that is best for you. You need to express that to your lawyer.  Your lawyer may not be able to do this exactly how you want, but there should be some conversation and an attempt to come… (Read more)


General breakdown of the 5 categories FICO looks at for your credit score

General breakdown of the 5 categories FICO looks at for your credit score FICO is the dominant credit scoring model in the country used to determine eligibility for mortgages, auto loans, credit cards, and more. There are 5 categories used by FICO to determine your credit score: Payment History Amount / Utilization of your debt Age of debt Number of inquiries Mix of debt In this article, we will provide a brief overview of these categories and what they mean. … (Read more)