Articles Posted in Collectors/Debt Buyers


Debt Buyers — why they must prove they own the debt — an illustration of Apple v Samsung

A major role in my work is dealing with debt collectors who have sued Alabama consumers. I’m always thinking of different illustrations to use in court to help the judge and jury on why we don’t owe the debt to this collector, even if we do owe money to someone.


“Credit reports: The original creditor and debt collector are both on my report – is this legal?”

Let’s say that I owe Discover $5,000, and that’s on my credit report. Assuming that’s accurate, that’s fair.


“Debt collector on your credit report — dispute with the collector or with credit bureau?”

Debt collector on your credit report -- dispute with collector or with credit bureau?This is a question we received through a comment on our channel, which is a place where we will be answering more questions from. We appreciate the questions that you guys write, and we look forward to answering more of your questions in the future!


I just got out of a debt collection trial in Alabama, and I thought I’d take a minute to remind you how important it is to know the difference between owing the debt collector, and the debt collector owning the debt.

In this case, the debt collection lawyer told us that they were suing our client because they owed the debt collector money.


“How easy is it to beat Velocity Investments LLC in Alabama?”

"How easy is it to beat Velocity Investments LLC in Alabama?"
Velocity Investmenst LLC is a debt buyer/debt collector out of New Jersey.  They claim to buy debt and then they sue in Alabama on about 10% of the debts they collect.  The other 90% are collected without a lawsuit.


The complaint is the document that starts the lawsuit, and it states who is suing you, what county they’re suing you in, and how much they’re suing you for.

Without the complaint, there is no lawsuit.  So the complaint starts the collection lawsuit.

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