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)
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)
FDCPA: Get a statement when a debt collector calls a third party
One of the most terrible violations of the Fair Debt Collection Practices Act (FDCPA) that debt collectors make is contacting a third party about a debt.
What is a “third party”?
A third party is anybody other than you, your spouse, or your lawyer.
Everyone else in the world is a third party.
There are very strict rules about when a debt collector can contact a third party,… (Read more)
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)
Alabama foreclosure: What you should look for in your credit reports to help stop the foreclosure
You’re facing a foreclosure in Alabama.
What should you look for in your credit reports to help you stop the foreclosure?
These suggestions are specific to Alabama.
Your state may be similar, but you will want to check on your state’s laws.
Does your credit report show that you are in foreclosure?
This is very common on credit reports.
As you approach a foreclosure… (Read more)
What should I do if I want to defend my own collection lawsuit?
You’ve been sued and you’ve made the decision to defend yourself in your own collection lawsuit.
You’re not going to hire a lawyer, or give up, or even settle.
You want to defend yourself and fight the lawsuit.
What should you do?
If possible, go to court and watch your particular judge.
At the time of this article, in 2020, we are still in the middle of… (Read more)