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Debt collector sue you? Find out your 5 options now….

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

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)


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)


After you answer a debt collection lawsuit what should your credit report show?

After you answer a debt collection lawsuit what should your credit report show? Once you’ve been sued by a debt buyer such as Midland Funding, Portfolio Recovery, or LVNV, and you’ve filed an answer, what should your credit report show? It’s excellent that you’ve answered the lawsuit. Most people fail to respond, which can be detrimental to you.  So what should the credit report show about this debt buyer? There are a few important things to look for when reviewing… (Read more)


What are debt buyers and what do they have to prove about ownership when they sue me?

What are debt buyers and what do they have to prove about ownership when they sue me? We talk a lot about “debt buyers” in our posts. Since we discuss debt buyers so frequently, I wanted to give you a definition and some examples to help you understand what a debt buyer is.  What are debt buyers? A debt buyer is somebody who claims to buy debt. These are companies like Midland Funding, Midland Credit Management, Portfolio Recovery, and LVNV. … (Read more)


FDCPA: Why debt collectors call third parties and why the cases are valuable

FDCPA: Why debt collectors call third parties and why the cases are valuable Recently, we discussed who qualifies as a third party under the Fair Debt Collection Practices Act (FDCPA).  Now, I want to look at why debt collectors call third parties and why these cases are so valuable.  There are two situations in which debt collectors will contact a third party.  Calling to obtain “location information” can be a legitimate reason – if they do it right. Location information… (Read more)


Can a debt buyer truly collect against me?

Can a debt buyer truly collect against me? We are frequently asked if debt buyers can really collect against a consumer.  I’ve been a consumer protection lawyer for a long time, and a big part of my practice is dealing with these debt buyers who claim to have bought a debt.  They will tell you they have bought the debt, but is this true? Do they have any right to collect?  Does it make a difference if they have bought… (Read more)


What happens with your credit report after you win your collection trial?

What happens with your credit report after you win your collection trial? When you are in court and you win, what happens with your credit report after the trial? You want the debt removed from your report, but how does this happen? Do you ask the judge?  Does this happen automatically? In this post, we’ll discuss how to wrap things up after you win.  You’ve won your court case. What happens with your credit report now?  The judge does not… (Read more)