“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?”

"Doesn't Velocity have to tell me that it's too late to sue me in Alabama?"This is a great question.

Let’s talk about this.

Here’s what I think

I believe that Velocity should make Alabama consumers aware that it’s too late for them to be sued on a particular debt.

These guys are debt collectors under the Fair Debt Collection Practices Act (FDPCA), so they can’t be deceptive with you.

Velocity says that they can sue you if you make a payment on the debt, because they claim that it will restart the statute of limitations.

Sadly, it’s rare that these guys do things legally in our opinion.

This means that you should be extremely cautious when you’re dealing with Velocity.

If they break the law, we strongly recommend that you sue them for money damages.

So what are the ways they can break the law?

First, if they credit report after the time period to report is over.  Typically 7 or 7.5 years from when you defaulted.

Second, if they sue you after the statute of limitations has expired this will often violate the FDCPA.

Third, if Velocity or its debt collection companies start calling your neighbors or co-workers or family members (other than your spouse), then normally the FDCPA is violated.

There are many other ways but the bottom line is:  Be Careful.  Document everything with Velocity.  Don’t assume anything.  Don’t trust them to keep accurate records.  Don’t assume they know the law and will follow the law.

Protect yourself.

If you have any questions or any doubts, get answers.

You didn’t wake up today and say, “Wow, I want to deal with Velocity today!”


You were thrown into this legal world of debt collection and consumer protection laws and maybe even lawyers.  Not by choice.

So figure out answers to your questions as you do your research.

We’ll be glad to help you….

If you have any questions…

You can reach us by phone at 1-205-879-2447.

you can also fill out a contact form and we will get in touch with you soon. 

We look forward to chatting with you!.

Thanks for reading, and have a great day!

-John G. Watts


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