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)
My frustration with disputes people make to credit reporting agencies
I have been suing credit bureaus and furnishers (companies that provide your information to credit reporting agencies) for about 20 years.
During these twenty years, I encounter a frustrating mistake which is made far too often.
I want to share this frustration with you so that you can avoid the same mistake.
Here’s the situation:
I am contacted by a credit repair place, the client of a credit repair place,… (Read more)
Is it legal for an original creditor to pull my credit reports after settling with them?
Let’s say you’re being sued by an original creditor, Capital One, for $10,000. You settle for $5,000.
Once this has been settled, Capital One should show the balance as $0. You no longer owe them anything.
If they leave it at $10k, that’s false credit reporting.
If they listed the balance as $5,000 (the difference between the original amount and the amount of the… (Read more)
Statute of limitations: Why debt collectors who sue you will lie about a payment
Why do debt collectors lie about when you last paid them, particularly when they have sued you?
This happens pretty frequently. Somewhere in the documentation, in the lawsuit, or even in the courtroom the debt collector claims to have found a mysterious payment that you don’t remember making.
I’ve had this happen in the middle of the trial, at the beginning of a case, and everywhere… (Read more)
Have to wear a mask in court? Then practice under the same conditions as a trial with a mask on.
You have a court date coming up and you understand that either your courthouse or your particular judge requires you to wear a mask. How do you prepare for that?
I understand that for some reason a mask is very triggering for some people.
This article is not about the effectiveness of masks or anyone’s political views.
This article is… (Read more)
Charge off: How to get one removed from your credit reports by looking for factual errors
We’ve talked about charge off debts in the past:
What is a charge off?
Can I be sued for a charge off debt?
3 things a creditor can do with a charge off
Now, let’s talk about how to remove a charge off from your credit report.
A charge off is the same as any other negative information on your credit report. You want… (Read more)