Today we’re answering this question about debt collectors — can they lie about marking you down as a so called “refusal to pay” when you talk to them.
In this article, we’re answering this viewer’s question:
You get some mail and you know it is not good news. Seriously, the IRS rarely sends you a certified mail with good news, right?
Or maybe you are behind on your mortgage — you know the letter is going to be bad news.
One thing that is a headache to deal with is abusive debt collectors.
When you’re dealing with a debt collector, it’s important to have options. None of these options are perfect or awful, they’re simply options to consider when you’re dealing with a debt collection lawsuit.
As the first part of this order implies, this is normal (or automatic) document that’s filed in Alabama bankruptcy court. It basically tells all of your creditors to freeze.
We talk about what a judgment is in other articles, which you can find on our site.
The answer is very rarely which is unusual among all of the states. Here’s what I mean.
My name is John Watts, and I’m an Alabama consumer protection attorney. Even though we don’t really do bankruptcy, it’s a topic that we are asked about fairly often.
Welcome to a new series of articles and videos on the actual text of the FDPCA (Fair Debt Collection Practices Act) which is found at 15 USC Section 1692.
We will still continue to do normal articles and videos but it is good to go to the literal text of the law to make sure we understand it. Then when we review case decisions they will make more sense having read the actual law.
This law is so powerful as there are many abusive debt collectors out there. You need to know your rights so you can take action to stop the abusers.
Alabama Consumer Law Blog