You get sued by a debt collector (debt buyer) such as Asset Acceptance, Arrow, Cavalry, LVNV, Midland, Unifund, etc. You win your case in an Alabama court.
Now what happens to your credit report?
The debt buyer that sued you must remove the tradeline (for that account) off of your credit report because, under Alabama law, you don’t owe the money if you received a verdict or a dismissal with prejudice.
We talk about this here:
Best wishes and feel free to read more about defending against debt collection suits in Alabama or contacting us at 205-879-2447 or through our website.