Abusive Debt Collectors

You CAN fight back against abusive debt collectors.   The laws (including the FDCPA — Fair Debt Collection Practices Act) are on your side and juries understand abusive debt collectors must be stopped.  Discover your rights and take immediate action now.  You can learn from our articles and videos and then call us when you are ready to turn the tables on abusive debt collectors.  Call us at 205-879-2447 — we will be glad to help you.  John Watts

Should I use the FDCPA or FCRA when a debt collector has false credit reporting on me?

“Should I use the FDCPA or FCRA when a debt collector has false credit reporting on me?” This is a good question. You can actually use either of them, or in some cases you can use both. Under the FDCPA (Fair Debt Collection Practices Act) you can sue a debt collector without disputing with the credit reporting agencies. However, you may want to try disputing through the credit reporting agencies so that you can use the FCRA also. The FDCPA… (Read more)


If I settle with a debt collector, will I be sued again on the same debt?

“I have been sued by a debt collector in Alabama. I want to settle the debt, but I’m afraid I’ll be sued again on the same debt. Is this possible?” Some people may think this is silly, but this is a legitimate concern. How could this be, you may ask? Debt collectors have done this exact thing in the past with other consumers. Here’s an example. Let’s say that you owe $8,000. Then, to settle the debt with the collector,… (Read more)


Why does the debt collector have to pay my attorney fees under the FDCPA?

What does it mean that the debt collector I sued under the FDCPA may have to pay my attorney fees? This is a wonderful benefit of the FDCPA (Fair Debt Collection Practices Act).  Let’s look at attorney fees in general to understand why. The normal rule. The normal rule is that everyone pays for their own attorney’s fees. Whether you are sued or you do the suing, you normally pay for your own attorney. This is true whether you win… (Read more)


Will my FDCPA lawsuit against a debt collector settle or will it go to trial?

Will my FDCPA lawsuit against a debt collector settle or will it go to trial? This is a great question. Most cases settle. It’s rare that these types of cases go to trial. You may wonder, “Well, why is that?” Well, here are a few reasons, at least in Alabama. 1. Most civil cases settle. When we say “civil,” we mean non-criminal cases. This is the type of case where someone is asking for money. It could be a car… (Read more)


Can debt collectors really violate the TCPA?

Can debt collectors really violate the TCPA? The TCPA, or Telephone Consumer Protection Act, keeps us protected (for the most part) from unwanted calls or texts. Often consumers wonder if the law applies to debt collectors who claim that a debt is owed. Absolutely. When they robo-dial your cell, or text your cell without your permission, they’re violating the TCPA. In other words, if they’re using a computer to blow up your phone, then they’re breaking the law unless you… (Read more)


“What should I do if the debt collector lies about removing false credit reporting?”

The main reason debt collectors are sued is the fact that they lie to consumers. Let’s say that a debt collector sends us a letter, and it says we owe $3,000, but they’ll cut us a deal and we will only have to pay a $1,500 to settle the deb. That may be a good deal. But we tell the debt collector, “Hey, this needs to come off of my credit report too.” They’ll either call us on the phone,… (Read more)