Sued by a Debt Collector

Just because you are sued by a debt collector does not mean you will lose. Whoever sues you must show it owns the debt and that you owe the debt.

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)

Midland Funding collection lawsuits in Alabama in 2019

If you have been sued in an Alabama collection lawsuit by the debt buyer Midland Funding, you have a lot of company.  From January 1, 2019, to March 15, 2019, Midland Funding filed 3842 lawsuits in Alabama. That’s 3842 lawsuits in 74 days. Over 51 lawsuits a day — every single day of this year. And these lawsuits are filed all over the state — from Madison County in the northern part of the State to Jefferson County to Montgomery… (Read more)

What to do immediately if you are sued by Portfolio Recovery in Alabama

Let’s talk about the following when sued by Portfolio Recovery Associates: How do you know you have been sued? What are your deadlines so you don’t get a default judgment against you? What are your five options? Most important — what should you do right now?   Here’s how you normally know Portfolio Recovery Associates is suing you in Alabama: You get served by the sheriff or a private process server — they hand you the lawsuit papers. Or you… (Read more)

My loved one has been sued by a debt collector: What’s next?

Having your family member or loved one in Alabama sued by a debt collector is a scary thing to happen — they come to you and ask what should they do next.  Here are some thoughts for you: Make sure they respond in time . . . so that they do not get a default judgment. Understand difference in owing a debt and the debt collector owning the debt . . . so that they understand their options Go through… (Read more)

Why do debt collectors and debt buyers lie about receiving a recent payment?

Simple answer — to claim the statute of limitations (time to sue you) has been restarted by the recent payment. So let’s take an example of how a collector tries to lie to get around the statute of limitations. Debt buyer sued you for a debt you defaulted on 7 years ago.  The statute of limitations for credit card type debt is, at most, 6 years. So the debt collector has filed the lawsuit too late. But. What if it… (Read more)

Alabama Debt Collection Lawsuit Questions — Part Seventeen — What Do You Do Now?

This is our final part of this seventeen part series of articles where we answer your debt collection lawsuit questions.  In this last part we discuss, what do you do now?  You have learned a tremendous amount of information — but what do you do with all of this information? Let’s review what we have previously covered through the first sixteen parts of this series: Overview of the complaint or lawsuit filed against you What does it mean to be… (Read more)