Alabama Consumer Law Blog“What should I do if a collection lawyer is sending me collection notices at work on an old car loan?”
This is a great question.
“What should I do if a collection lawyer is sending me collection notices at work?”
“Doesn’t Velocity have to tell me that it’s too late to sue me in Alabama?”
“Doesn’t Velocity have to tell me that it’s too late to sue me in Alabama?”
This is a great question.
Can Global Collection Agency collect on a Velocity Investments debt that was last paid in 2007?
“Global Collection Agency is trying to collect a Velocity Investments, LLC debt that was last paid on in 2007. Can they do this?”
Ultimately, this boils down to a statute of limitation issue, and the FDCPA, or Fair Debt Collection Practices Act.
“A debt collector is calling me and asking about my neighbor. Is that legal?”
“A debt collector is calling me and asking about my neighbor. Is that legal?”
This is a situation that happens more times than we’d like to think it does.
“Someone came up to my neighbor saying they were trying to find me. How do I fix this?”
“Someone came up to my neighbor saying they were trying to find me. How do I fix this?”
When someone is talking to your neighbors, usually there are two different reasons for this.
“My mother’s neighbors are being called by debt collectors repeatedly asking for my mom. What should I do?”
“My mother’s neighbors are being called by debt collectors repeatedly asking for my mom. What should I do?”
This, unfortunately, happens fairly often in Alabama.
Definition: Consent Judgment
A consent judgment is where you agree to have a judgment against you in a collection lawsuit.
A judgment is a document that is from the judge and filed into court. It states that the debt collector can get money from us.
How does the FDCPA help me with abusive debt collectors?
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Definition: Compensatory Damages
Compensatory damages fix the harm.
The word “damages” means that you’ve been harmed, and that you need to be repaid for those damages.
FDCPA — Overshadowing of 1692g language in a homeowner’s association collection letter
Does a collection letter from a collection law firm seeking payment of an alleged homeowner’s association fee constitute a “debt” under the Fair Debt Collection Practices Act (FDCPA)? Yes it does.
The Ninth Circuit faced this question in Mashiri v. Epsten Grinnell & Howell (you can read the Google Scholar opinion here).
The district court (trial court) dismissed the case as it ruled there was no FDCPA violation.