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)


FCRA credit reporting: examples of technical accuracy

FCRA credit reporting: examples of technical accuracy A lot of times when we sue credit reporting agencies (Equifax, TransUnion, Experian) or furnishers (companies who provide information to the credit bureaus) under the Fair Credit Reporting Act (FCRA), they love to say “Well, yeah, but you know this is technically right. It might be a little deceptive, but it is technically right.” There are ways to argue against this. We can flip this argument over on them.  Here are some examples… (Read more)


Two reasons to pull your credit reports after beating a collection suit

Two reasons to pull your credit reports after beating a collection suit You’ve been sued by a debt collector or debt buyer such as Midland Funding, LVNV, Portfolio Recovery, and you’ve won your case. What do you do next? Pull your credit reports. Hopefully, you have looked at your credit reports before you get to the end of your lawsuit.  Even if you haven’t, go on and pull them now. Whether you just won your suit yesterday or you won… (Read more)


Is it good to send a dispute letter beyond the 30-day window of 1692g?

Is it good to send a dispute letter beyond the 30-day window of 1692g? 1692g letter is what is sent to you by the debt collector which also tells you that you have 30 days to dispute. Can you send a validation notice after the 30-day period has ended? Yes, you can absolutely send a letter outside of the 30-day period. The downside is that you lose some of your rights once you are outside that 30 day period.  If… (Read more)


What’s the danger in making a payment past the Statute of Limitations?

What’s the danger in making a payment past the Statute of Limitations? Debt collectors must sue within the Statute of Limitations. If they sue on a debt that is past the Statute of Limitations (also known as a time-barred debt), they violate the FDCPA. This time period to sue will vary depending on your state and the type of debt. In Alabama, it could be 3 to 6 years. Other states can be different.  Whatever the time period is in… (Read more)


Why debt collectors hate marking your account as disputed on your credit report

Why do debt collectors absolutely hate marking your account as “disputed” on your credit report?  In this article, we will discuss what this means, why they hate doing it, and what you can do when they violate the law. What does it mean to mark an account as “disputed”? You dispute a debt when you tell a debt collector verbally or through writing that you dispute the debt.  This does not have to be specific. The dispute can simply be… (Read more)