The video above is quite comprehensive but we realize some folks prefer to read rather than watch a video so we have the transcript below. Feel free to watch (or listen — the slides are not critical to understand the presentation) or read — whatever your preference is….
And I realize you may rather just pick up the phone and call us — feel free to do this by calling 205-879-2447 and we’ll be happy to chat with you. You… (Read more)
FAQ on Calls to Cell Phones That Violate the TCPA
It is very common for calls from a creditor or debt collector to be auto dialed (computer dialed or robo dialed) or to contain a pre-recorded message (sometimes called “robocalls”).
When these types of calls are made to your cell phone, the debt collector often violates the Telephone Consumer Protection Act (TCPA) which is a powerful law in your favor.
“I’ve Heard About Express Consent Under The TCPA, What Does… (Read more)
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)
Damages under FDCPA including discussion of emotional distress damages
Understanding the FDCPA and its Damages
There is often confusion about the damages one can receive under the Fair Debt Collection Practices Act (FDCPA). When you sue an abusive debt collector under the FDCPA, what exactly are you entitled to? Is it less than a thousand dollars, a hundred thousand, or can you get punitive damages? This article aims to clarify these questions and provide a comprehensive understanding of the… (Read more)
Advertisement letters from lawyers saying I have been SUED: Are these a SCAM or legit?
Have You Actually Been Sued?
The Initial Doubt
The first step is to verify whether you have actually been sued. If you receive a letter in the mail from a law firm or mediation company stating that you’ve been sued, it’s natural to question its legitimacy. This is especially true given the number of scams that exist today, from phishing attempts to fraudulent emails… (Read more)
So you have been sued by a debt collector (or even an original creditor). You get the case dismissed with prejudice and then the collector (or creditor) is still collecting against you. Is this legal or illegal? What in the world does the expression “adjudication on the merits” mean for you (hint: its a good thing!).
Possibilities when you are sued by a collector in a collection lawsuit
Judgment for plaintiff (the one who sued you)
Judgment for defendant (you… (Read more)
How to prepare for a Zoom trial
Due to the Covid-19 pandemic, a lot of court cases are now being handled by Zoom or some other type of video conferencing program.
In Alabama, where I practice, almost all of these virtual court meetings are done by Zoom.
What are some steps you can take to make sure you are prepared for your upcoming Zoom hearing or Zoom trial?
Make sure you have all the information for your Zoom meeting.
Zoom… (Read more)
Mental mindset when a debt collector calls you
Recently, I mentioned having the mindset that a debt collector is knocking on your door.
I wanted to elaborate on this idea some more and give you another way to think about it.
Instead of being scared when the debt collector calls you (which is what they want and expect), turn it into an opportunity.
My phone rings and I answer.
The debt collector confirms who I am, and then says, “This… (Read more)