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)
FAQ on Calls to Cell Phones That Violate the TCPA
It is very common for calls from a creditor or debt collector to be auto dialed (computer dialed or robo dialed) or to contain a pre-recorded message (sometimes called “robocalls”).
When these types of calls are made to your cell phone, the debt collector often violates the Telephone Consumer Protection Act (TCPA) which is a powerful law in your favor.
“I’ve Heard About Express Consent Under The TCPA, What Does… (Read more)
Is A Debt Collector Harassing You Illegally?
Find Out What Your Rights Are So You Can Take Action Against Abusive Debt Collectors!
We realize that dealing with debt collectors can be intimidating. Not just because abusive collectors are intimidating but also because you may not fully understand your rights and what collectors can, and cannot, do in collecting a debt from you.
We have laid out some typical questions that we are asked by Alabama consumers who want to know… (Read more)
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)
How should your lawyer communicate with you as a client?
If you hire a lawyer, how should your lawyer communicate with you and how should you communicate with your lawyer?
Here’s the bottom line – the communication should be done in a way that is best for you.
You need to express that to your lawyer.
Your lawyer may not be able to do this exactly how you want, but there should be some conversation and an attempt to come… (Read more)
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?
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?
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)