Alabama Consumer Law BlogDebt validation for a series of debt collectors
A viewer recently asked about a debt that has not been validated being sold to a new company. If the debt has not been validated, is it now “bad debt”?
Debt validation for a series of debt collectors
Will the company that sued me for an auto deficiency allow monthly payments to settle?
Will the company that sued me for an auto deficiency allow monthly payments to settle?
Auto deficiency occurs when you still owe $15,000 on a car and then that car is repossessed and sold for $5,000. Now, you get sued for the $10,000 deficiency.
When does it make sense to send a collector a cease and desist letter?
When does it make sense to send a collector a cease and desist letter?
A cease and desist letter is something you send to a debt collector telling them that you wish to have no more contact with them. It may also state that you refuse to pay them.
Will a lot of debt collectors go bust due to COVID-19?
Will a lot of collectors go bust due to Covid-19?
In a recent live Q&A session on our Youtube channel, a viewer asked about debt collectors lasting through the pandemic.
What should I do if I can’t pay my credit cards?
What should I do if I can’t pay my credit cards?
Recently, during one of our Live Q&As over on our Youtube channel, a viewer asked what they should do if they could not pay their credit cards.
What are pattern and practice witnesses and how do they help you recover punitive damages?
What are pattern and practice witnesses and how do they help you recover punitive damages?
There is a two-step argument for the defendant which is true in any type of case (injury, mortgage, abusive debt collector, false credit reporting, etc.)
Alabama debt collection: Lawsuit and disputing credit reporting [Strategy before and after you win!]
Alabama debt collection: Lawsuit and disputing credit reporting
Let’s talk about debt collection lawsuits and how they work with your credit report.
Mortgage Companies: Fool me once, fool me twice
Mortgage Companies: Fool me once, fool me twice
You may be familiar with the old expression, “Fool me once, shame on you. Fool me twice, shame on me.”
Will the CFPB protect you or do you need to protect yourself as a consumer?
Will the CFPB protect you or do you need to protect yourself as a consumer?
There is a change that has taken place in Washington over the last few years. [After this video was shot a new director is present but the point is the same that this CFPB is much different than it was before the 2016 election].
Is it fair to sue my mortgage company under RESPA after sending a Notice Of Error letter?
Is it fair to sue my mortgage company under RESPA after sending a Notice Of Error letter?
You have sent them a notice of error letter asking the company to investigate and fix the error. They don’t do it. Is it proper to sue them in this situation?