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)
“What Appeal Option Is There In District Or Small Claims Court In Alabama?”
You’ve been sued in district court or small claims court in Alabama by a debt collector, and it crosses your mind, “Well, what if I lose? Do I have any options?”
What if you win? Does the debt collector have any options?
The simple answer is yes. Whoever loses in small claims or in district court can appeal. Normally whoever loses has 14 days to appeal. The… (Read more)
A detailed overview of being sued by a debt collector (debt buyer) in small claims or district court
One of your five options when sued by a debt buyer (such as Asset, LVNV, Midland, Portfolio, etc) is to fight the case on your own.
Especially in small claims and district courts, this can be a great choice for you.
But what happens?
What happens from the moment you are sued until after the case is over?
If these questions… (Read more)
“I got sued — not on my credit report — is it too late to sue me?”
When you are sued, it is very smart to pull your credit reports to see what is this account saying? Often what is said on your credit reports is different than what the lawsuit is saying about you.
“But if the account is not showing up on my credit reports this means the account is too old to sue me on so I… (Read more)
“If I’ve been sued and I get the summons, but they leave it on my door, porch, or in the yard, am I considered served?”
So the question is if you have been sued but the process server (deputy, Van Slam, etc.) leaves the summons on your porch or on your door, have you actually been served?
From a technical, legal standpoint, if they simply leave it on your porch, then I don’t think that’s being served. They can leave… (Read more)
“Why Must The Debt Collector Take Debt Off My Credit Report After I Win The Collection Case?”
Hundreds of collection lawsuits are filed by debt collectors (debt buyers) such as LVNV, Midland, Portfolio, etc. but most (if not all) are filed without any proof so it is common for folks to win their collection case.
I assume this happened with your collection case since you are reading this. Two important points before we get into the details:
First, congrats! You… (Read more)