Alabama Consumer Law Blog“What is a Third Party disclosure under the FDCPA?”
One of the worst types violations that we see debt collectors make is when they do a “Third Party Disclosure.”
“What is a Third Party disclosure under the FDCPA?”
“How do I find out how much insurance the other person has in my Alabama car wreck case?”
“How do I find out how much insurance the other person has in my Alabama car wreck case?”
So you’ve been in a car wreck, and you know the other side has insurance. Maybe it is State Farm, Allstate, Geico, etc.
FDCPA — when disputing a debt, do you have to prove the debt is not yours?
So you are dealing with a debt collector and you tell the collector that you dispute the debt.
Debt collector says:
You can only dispute the debt if you prove to me that the debt is not yours.
Do I have to leave my house in Alabama the day of the foreclosure?
“Do I have to leave my house in Alabama the day of the foreclosure?”
This is a question that we’re asked several times a month, and it’s a good question.
Debt Buyers — why they must prove they own the debt — illustration of Apple v Samsung
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?
“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.
Can a debt collector garnish my wages without a judgment?
“Can a debt collector garnish my wages without a judgment?”
Maybe you’ve gotten a letter or a phone call from a debt collector, or maybe you’re being sued by a debt collector, and they’re threatening to garnish your wages.
Alabama debt collection lawsuit — what is a motion to continue the trial date?
This is a “bonus” article/video to our series on debt collection lawsuits in Alabama by debt buyers.
So why do we sometimes send you an email and let you know there has been a motion to continue filed?
Debt collector on your credit report — dispute with collector or with credit bureau?
“Debt collector on your credit report — dispute with the 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!
What happened in a debt buyer lawsuit trial today in Alabama
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.