Preparing for Your Day in Court: A Guide for Self-Representation in Debt Collection Lawsuits
If you find yourself facing a debt collection or debt buyer lawsuit and have chosen to represent yourself, it’s crucial to prepare adequately. This guide provides practical tips on how to familiarize yourself with the courtroom and the judge’s procedures before your trial day.
Understanding the Importance of Preparation
The first step in preparing for your trial is understanding the importance of being familiar with… (Read more)
Credit Repair: How to do an online dispute the RIGHT way to fix errors on your credit reports
The Online Dispute Process
The online dispute process might seem like the easiest type of dispute to handle. However, it can be more difficult than expected. Despite this, results are usually obtained a lot quicker when disputes are done online. This is due to a system called e-Oscar, a communication network between credit bureaus and furnishers such as Capital One.
When… (Read more)
Is it LEGAL for a debt buyer to BUY my old defaulted debt in Alabama and then sue me?
When you find yourself being sued by a debt collection company like Midland Funding, Midland Credit Management, Portfolio Recovery, or LVNV, one of the first questions that might cross your mind is whether this process is even legal. Is it lawful for a bank such as Credit One or Synchrony Bank to sell your debt to a debt collector? This is… (Read more)
Advertisement letters from lawyers saying I have been SUED: Are these a SCAM or legit?
Have You Actually Been Sued?
The Initial Doubt
The first step is to verify whether you have actually been sued. If you receive a letter in the mail from a law firm or mediation company stating that you’ve been sued, it’s natural to question its legitimacy. This is especially true given the number of scams that exist today, from phishing attempts to fraudulent emails… (Read more)
FCRA and FDCPA: Answering Your Questions
For those who don’t know me, my name is John Watts, I’m a consumer protection attorney.
Feel free to subscribe to my YouTube channel, Alabama Consumer Protection Lawyers, and feel free to ask questions or send me your comments.
Today, I’ll be answering some questions from the comments section on some of my YouTube videos.
Ernie asks, “How can I dispute to a credit company reporting a charge off but another credit… (Read more)