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was in foreclosure.
"SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type.. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" “If I’ve been sued and I get the summons, but they leave it on my door, porch, or in the yard, am I considered served?” So the question is if you have been sued but the process server (deputy, Van Slam, etc.) leaves the summons on your porch or on your door, have you actually been served? SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. WHY DID THE COLLECTION LAWYER SEND ME A "CONSENT JUDGMENT “Why did the collection lawyer send me a ‘consent judgment’ and what does it mean?” You have been sued by a debt buyer/debt collector and you have received your letter from the supposed mediation firm of Ferry & Nichols.. Here’s a hint: they are a great way to lose your money and get a default judgment. "WHAT IS A CONSENT JUDGMENT AND WHY IS IT BAD IN A Roxanne is an Alabama consumer who faced foreclosure. She was kind enough to leave us a review, and we wanted to share her review with you. Roxanne faced a foreclosure: Due to a loss of income, our homewas in foreclosure.
"SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type.. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" “If I’ve been sued and I get the summons, but they leave it on my door, porch, or in the yard, am I considered served?” So the question is if you have been sued but the process server (deputy, Van Slam, etc.) leaves the summons on your porch or on your door, have you actually been served? WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. SUED BY SYNCHRONY BANK -- FIND OUT YOUR 5 OPTIONS RIGHT NOW Hi I have to go to court Monday with Synchrony bank.However I lost my paperwork.Its way to late to file a response.Ive tried 3 days to contact them.they continue to switch me over to Capital one bank.when I speak with them they have no knowledge of my account number.I am beyond frustrated.Im going to go Monday to court-please tell me what I need to do.Have I already lost or do I still have a "SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. "WHAT IS A CONSENT JUDGMENT AND WHY IS IT BAD IN A Roxanne is an Alabama consumer who faced foreclosure. She was kind enough to leave us a review, and we wanted to share her review with you. Roxanne faced a foreclosure: Due to a loss of income, our homewas in foreclosure.
SAMPLE CREDIT REPORT DISPUTE LETTER ON ACCOUNT THAT IS NOT Sample Credit Report Dispute Letter on Account That Is Not Yours. We have already discussed that you have a right to accurate credit reports.. When there is false information it needs to be disputed to the credit reporting agencies (and often the furnisher), it needs to be sent by certified mail.. Remember to keep a signed copy of your letter and all attachments. WHAT IS A NOTICE OF ERROR UNDER RESPA? This site is intended for Alabama residents only. No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers.This web site is designed for general information only. WHAT DO I DO IF SUED IN THE WRONG COUNTY BY A DEBT COLLECTOR? Hello I need to talk to someone about Midland myself. I have a debt that I have disputed with them several times, even an attorney from their company by the name of Halloway and Associates threatened me when I explain on the phone that I dispute this debt. MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: I JUST RECEIVED LAWSUIT PAPERS FROM PORTFOLIO RECOVERY My husband died 3 months after I was served. He was so sick I missed the time limit although PRA never set a court date. Instead of filling out the NOT court ordered form abd went to rhe consumer protection agency who then contacted the PRA (not their lawyers) the very next day everything PRA was trying to decide to me stopped! WHO IS VANSLAM, INC AND WHY ARE THEY COMING TO MY HOUSE OR “Who is VanSlam, Inc. and why are they coming to my house?” If you have a message from “VanSlam, Inc.” or they come to your house, it is normally because you are being sued and VanSlam is the process server — the company who will give you the lawsuit papers (Complaint) which will start the clock running on your time to answer. SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
SUED BY SYNCHRONY BANK -- FIND OUT YOUR 5 OPTIONS RIGHT NOW And 30 days in Circuit Court from when Synchrony Bank served you. Third — go through the five options you have. If you live in Alabama and want us to help you think through your options, give us a call at 205-879-2447 or fill out the contact form and we will get right back with you. We have represented thousands of consumers all over Alabama WHY DID THE COLLECTION LAWYER SEND ME A "CONSENT JUDGMENT“WELL, WHAT IN THE WORLD IS A CONSENT JUDGMENT?”IT IS WHAT THE NAME SUGGESTS.IT IS A JUDGMENT.NOT A FAKE ONE. NOT A KIND OF REAL JUDGMENT.IT IS A REAL, ACTUAL, LEGITIMATE JUDGMENT.AND IT IS ONE Y...“WHY DOES THE DEBT COLLECTOR WANT A CONSENT JUDGMENT AGAINST ME IF WE AGREED TO TERMS TO SETTLE THE CASE?”HERE ARE THE REASONS: 1. THIS WILL GO ON YOUR CREDIT REPORT, DESTROYING YOUR CREDIT. THIS MAKES IT MORE LIKELY YOU WILL GO BACK TO THE COLLECTION L...A CONSENT JUDGMENT IS A REAL JUDGMENT AND THIS WILL HAUNT YOU FOR MANY YEARS.THE COLLECTION PERSONNEL AT A COLLECTION LAWFIRM WILL MINIMIZE THE IMPORTANCE OF THIS BUT A CONSENT JUDGMENT IS A REAL JUDGMENT.IT GOES ON YOUR CRE...IF YOU HAVE QUESTIONS ABOUT AN ALABAMA COLLECTION LAWSUIT AGAINST YOU, FEEL FREE TO CONTACT US.YOU CAN REACH US BY PHONE AT 1-205-879-2447.ASK TO SPEAK TO CAROLYN AND SHE WILL GET YOUR INFORMATION,THEN, SHE WILL SET UP A MEETING OR CALL WITH... A consent judgment is a real judgment and this will haunt you for many years. The collection personnel at a collection lawfirm will minimize the importance of this but a consent judgment is a real judgment. It goes on your credit report. It is listed in the courthouse. When you apply for certain types of credit or other business transactions IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in WHAT DO I DO IF SUED IN THE WRONG COUNTY BY A DEBT COLLECTOR? You can ask the judge to transfer your case to the right county, if you were sued in the wrong one. In Small Claims, you’ll receive a “form answer” to file. When you file your answer, box “A” is where you have been sued in the wrong county. That’s the box you will want to check. In District court, you can file a motion to changethe
WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON Write down the date, who called, the number, and what you said. If you are getting letters, send a certified mail letter to the collector and tell them they have the wrong person. If you can, even after you talk to the collector, send a letter to the debt collectors. Here is anexample:
FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
SUED BY SYNCHRONY BANK -- FIND OUT YOUR 5 OPTIONS RIGHT NOW And 30 days in Circuit Court from when Synchrony Bank served you. Third — go through the five options you have. If you live in Alabama and want us to help you think through your options, give us a call at 205-879-2447 or fill out the contact form and we will get right back with you. We have represented thousands of consumers all over Alabama WHY DID THE COLLECTION LAWYER SEND ME A "CONSENT JUDGMENT“WELL, WHAT IN THE WORLD IS A CONSENT JUDGMENT?”IT IS WHAT THE NAME SUGGESTS.IT IS A JUDGMENT.NOT A FAKE ONE. NOT A KIND OF REAL JUDGMENT.IT IS A REAL, ACTUAL, LEGITIMATE JUDGMENT.AND IT IS ONE Y...“WHY DOES THE DEBT COLLECTOR WANT A CONSENT JUDGMENT AGAINST ME IF WE AGREED TO TERMS TO SETTLE THE CASE?”HERE ARE THE REASONS: 1. THIS WILL GO ON YOUR CREDIT REPORT, DESTROYING YOUR CREDIT. THIS MAKES IT MORE LIKELY YOU WILL GO BACK TO THE COLLECTION L...A CONSENT JUDGMENT IS A REAL JUDGMENT AND THIS WILL HAUNT YOU FOR MANY YEARS.THE COLLECTION PERSONNEL AT A COLLECTION LAWFIRM WILL MINIMIZE THE IMPORTANCE OF THIS BUT A CONSENT JUDGMENT IS A REAL JUDGMENT.IT GOES ON YOUR CRE...IF YOU HAVE QUESTIONS ABOUT AN ALABAMA COLLECTION LAWSUIT AGAINST YOU, FEEL FREE TO CONTACT US.YOU CAN REACH US BY PHONE AT 1-205-879-2447.ASK TO SPEAK TO CAROLYN AND SHE WILL GET YOUR INFORMATION,THEN, SHE WILL SET UP A MEETING OR CALL WITH... A consent judgment is a real judgment and this will haunt you for many years. The collection personnel at a collection lawfirm will minimize the importance of this but a consent judgment is a real judgment. It goes on your credit report. It is listed in the courthouse. When you apply for certain types of credit or other business transactions IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in WHAT DO I DO IF SUED IN THE WRONG COUNTY BY A DEBT COLLECTOR? You can ask the judge to transfer your case to the right county, if you were sued in the wrong one. In Small Claims, you’ll receive a “form answer” to file. When you file your answer, box “A” is where you have been sued in the wrong county. That’s the box you will want to check. In District court, you can file a motion to changethe
WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON Write down the date, who called, the number, and what you said. If you are getting letters, send a certified mail letter to the collector and tell them they have the wrong person. If you can, even after you talk to the collector, send a letter to the debt collectors. Here is anexample:
FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: WHAT DO I DO IF SUED IN THE WRONG COUNTY BY A DEBT COLLECTOR? You can ask the judge to transfer your case to the right county, if you were sued in the wrong one. In Small Claims, you’ll receive a “form answer” to file. When you file your answer, box “A” is where you have been sued in the wrong county. That’s the box you will want to check. In District court, you can file a motion to changethe
WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON Write down the date, who called, the number, and what you said. If you are getting letters, send a certified mail letter to the collector and tell them they have the wrong person. If you can, even after you talk to the collector, send a letter to the debt collectors. Here is anexample:
IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. WHAT CAN I DO IF I HAVE A DEFAULT JUDGMENT AGAINST ME, BUT Get with a lawyer and find out your best course of action. They will let you know if you can be successful or not. Just remember that vacating the judgment doesn’t mean that the case is over. If you live in Alabama, you can give us a call at 1-205-879-2447, or fill out CONTACTED BY ZARZAUR SCHWARTZ COLLECTION FIRM? [UPDATED Contacted By The Collection Law-Firm of Zarzaur & Schwartz In Alabama — What Should You Do? You are here because you have received a letter, or a debt collection lawsuit, from the debt collection lawfirm of Zarzaur & Schwartz in Birmingham, Alabama, which files lawsuits for original creditors (Citibank, etc) and debt buyers (Cavalry, LVNV Funding, Midland Funding, Unifund Partners, etc). "WHAT IS A CONSENT JUDGMENT AND WHY IS IT BAD IN A First, let’s figure out what exactly a consent judgment is. A consent judgment is where you allow the court to rule against you in your case. This means that you, literally, agree to a judgment against yourself. Sometimes collection lawyers, whether they’re being innocent or not, will say, “Oh, it’s no big deal. WHAT IS A FURNISHER OF INFORMATION TO MY CREDIT REPORT? A furnisher is a person who provides, or furnishes, the information for your credit report to the credit bureaus. Let’s look at it this way: there’s a road from Capital One/Bank of America/etc, to Equifax. Every month, Captial One sends information down the road to Equifax to put on your report. LAWSUIT AGAINST PORTFOLIO RECOVERY ASSOCIATES FOR FALSE Lawsuit against Portfolio Recovery Associates for false credit reporting after settlement. For many years we have talked about and sued over this classic debt collector scam — they say you owe $5,000, you agree to pay $3,000 and that should end it. But it does not — instead the collector still reports that you owe $2,000 (thedifference in
CAN MY BANK CDS BE GARNISHED BY A DEBT COLLECTOR? Normally a claim would have to be filed in Probate court. But in most states if the CD lists who it is paid to upon death (or if there is a second person listed on the account) then it passes “outside” of probate court and it would be tough to be garnished. WHY YOU SHOULD NOT FILE A COUNTERCLAIM WHEN SUED BY A DEBT So the reason many on the internet advise to file counterclaims – to scare the collector – is simply not valid. Most debt buyers require their collection attorneys to handle the counterclaim for free so the debt buyer doesn’t normally mind a counterclaim. But if a separate claim is filed against the debt buyer (debt collector) in federal SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
WHAT CAN I DO IF I HAVE A DEFAULT JUDGMENT AGAINST ME, BUT Get with a lawyer and find out your best course of action. They will let you know if you can be successful or not. Just remember that vacating the judgment doesn’t mean that the case is over. If you live in Alabama, you can give us a call at 1-205-879-2447, or fill out IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. HOW DO YOU STOP A FORECLOSURE IN ALABAMA? 4 OPTIONS TO Loss mitigation is the general concept of anything that will stop the foreclosure. Here is a list of typical loss mitigation options: Loan modification. Forbearance. Short sale. Deed in lieu of foreclosure. If you are successful in obtaining loss mitigation, then there should beno foreclosure.
"SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I You have 5 options — read about them and also watch a video on them here. You can win the lawsuit and you can also settle the lawsuit. Learn all of your options and then figure out the best one for you. We’ll be glad to help you. Give us a call at 205-879-2447 and let the receptionist know you are being sued or you can fill out ourcontact
IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a ALABAMA CONSUMER PROTECTION ATTORNEYS JOHN WATTS AND STAN Consumer protection is a vital subject as it can protect all of us — regardless of age, race, wealth, etc. Anyone — rich or poor, educated or not so educated — can be victimized by abusive companies. We have represented folks who are down to their last dollar and we have represented people living in SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. WHAT CAN I DO IF I HAVE A DEFAULT JUDGMENT AGAINST ME, BUT Get with a lawyer and find out your best course of action. They will let you know if you can be successful or not. Just remember that vacating the judgment doesn’t mean that the case is over. If you live in Alabama, you can give us a call at 1-205-879-2447, or fill out HOW DO YOU STOP A FORECLOSURE IN ALABAMA? 4 OPTIONS TO Loss mitigation is the general concept of anything that will stop the foreclosure. Here is a list of typical loss mitigation options: Loan modification. Forbearance. Short sale. Deed in lieu of foreclosure. If you are successful in obtaining loss mitigation, then there should beno foreclosure.
IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. "SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I You have 5 options — read about them and also watch a video on them here. You can win the lawsuit and you can also settle the lawsuit. Learn all of your options and then figure out the best one for you. We’ll be glad to help you. Give us a call at 205-879-2447 and let the receptionist know you are being sued or you can fill out ourcontact
IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: ALABAMA CONSUMER PROTECTION ATTORNEYS JOHN WATTS AND STAN Consumer protection is a vital subject as it can protect all of us — regardless of age, race, wealth, etc. Anyone — rich or poor, educated or not so educated — can be victimized by abusive companies. We have represented folks who are down to their last dollar and we have represented people living in SUED BY SYNCHRONY BANK -- FIND OUT YOUR 5 OPTIONS RIGHT NOW And 30 days in Circuit Court from when Synchrony Bank served you. Third — go through the five options you have. If you live in Alabama and want us to help you think through your options, give us a call at 205-879-2447 or fill out the contact form and we will get right back with you. We have represented thousands of consumers all over Alabama IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. "WHAT IS A CEASE AND DESIST LETTER AND HOW DOES IT HELP ME?" 0:00 / 3:13. Live. •. When you’re dealing with a debt collector, you have the option to send them a cease and desist letter. This letter states that you either refuse to pay the debt, or that you want them to cease communication. When you send that letter, they’re supposed to follow the rules. They may send you one letter that states WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON Write down the date, who called, the number, and what you said. If you are getting letters, send a certified mail letter to the collector and tell them they have the wrong person. If you can, even after you talk to the collector, send a letter to the debt collectors. Here is anexample:
WHY DID THE COLLECTION LAWYER SEND ME A "CONSENT JUDGMENT A consent judgment is a real judgment and this will haunt you for many years. The collection personnel at a collection lawfirm will minimize the importance of this but a consent judgment is a real judgment. It goes on your credit report. It is listed in the courthouse. When you apply for certain types of credit or other business transactions SAMPLE CREDIT REPORT DISPUTE LETTER ON ACCOUNT THAT IS NOT Sample Credit Report Dispute Letter on Account That Is Not Yours. We have already discussed that you have a right to accurate credit reports.. When there is false information it needs to be disputed to the credit reporting agencies (and often the furnisher), it needs to be sent by certified mail.. Remember to keep a signed copy of your letter and all attachments. YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. WHAT DO I DO IF SUED IN THE WRONG COUNTY BY A DEBT COLLECTOR? You can ask the judge to transfer your case to the right county, if you were sued in the wrong one. In Small Claims, you’ll receive a “form answer” to file. When you file your answer, box “A” is where you have been sued in the wrong county. That’s the box you will want to check. In District court, you can file a motion to changethe
FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
WHAT CAN I DO IF I HAVE A DEFAULT JUDGMENT AGAINST ME, BUT Get with a lawyer and find out your best course of action. They will let you know if you can be successful or not. Just remember that vacating the judgment doesn’t mean that the case is over. If you live in Alabama, you can give us a call at 1-205-879-2447, or fill out IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. HOW DO YOU STOP A FORECLOSURE IN ALABAMA? 4 OPTIONS TO Loss mitigation is the general concept of anything that will stop the foreclosure. Here is a list of typical loss mitigation options: Loan modification. Forbearance. Short sale. Deed in lieu of foreclosure. If you are successful in obtaining loss mitigation, then there should beno foreclosure.
"SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I You have 5 options — read about them and also watch a video on them here. You can win the lawsuit and you can also settle the lawsuit. Learn all of your options and then figure out the best one for you. We’ll be glad to help you. Give us a call at 205-879-2447 and let the receptionist know you are being sued or you can fill out ourcontact
IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
WHAT CAN I DO IF I HAVE A DEFAULT JUDGMENT AGAINST ME, BUT Get with a lawyer and find out your best course of action. They will let you know if you can be successful or not. Just remember that vacating the judgment doesn’t mean that the case is over. If you live in Alabama, you can give us a call at 1-205-879-2447, or fill out IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. HOW DO YOU STOP A FORECLOSURE IN ALABAMA? 4 OPTIONS TO Loss mitigation is the general concept of anything that will stop the foreclosure. Here is a list of typical loss mitigation options: Loan modification. Forbearance. Short sale. Deed in lieu of foreclosure. If you are successful in obtaining loss mitigation, then there should beno foreclosure.
"SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I You have 5 options — read about them and also watch a video on them here. You can win the lawsuit and you can also settle the lawsuit. Learn all of your options and then figure out the best one for you. We’ll be glad to help you. Give us a call at 205-879-2447 and let the receptionist know you are being sued or you can fill out ourcontact
IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a ALABAMA CONSUMER PROTECTION ATTORNEYS JOHN WATTS AND STAN Consumer protection is a vital subject as it can protect all of us — regardless of age, race, wealth, etc. Anyone — rich or poor, educated or not so educated — can be victimized by abusive companies. We have represented folks who are down to their last dollar and we have represented people living in SUED BY SYNCHRONY BANK -- FIND OUT YOUR 5 OPTIONS RIGHT NOW And 30 days in Circuit Court from when Synchrony Bank served you. Third — go through the five options you have. If you live in Alabama and want us to help you think through your options, give us a call at 205-879-2447 or fill out the contact form and we will get right back with you. We have represented thousands of consumers all over Alabama "WHAT IS A CEASE AND DESIST LETTER AND HOW DOES IT HELP ME?" 0:00 / 3:13. Live. •. When you’re dealing with a debt collector, you have the option to send them a cease and desist letter. This letter states that you either refuse to pay the debt, or that you want them to cease communication. When you send that letter, they’re supposed to follow the rules. They may send you one letter that states WHAT APPEAL OPTIONS FROM ALABAMA SMALL CLAIMS OR DISTRICT The simple answer is yes. Whoever loses in small claims or in district court can appeal. Normally whoever loses has 14 days to appeal. The reason is at this lower level of district court or small claims court, we have no right to a jury trial, but at the higher level circuitcourt, we
WHY DID THE COLLECTION LAWYER SEND ME A "CONSENT JUDGMENT A consent judgment is a real judgment and this will haunt you for many years. The collection personnel at a collection lawfirm will minimize the importance of this but a consent judgment is a real judgment. It goes on your credit report. It is listed in the courthouse. When you apply for certain types of credit or other business transactions WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON Write down the date, who called, the number, and what you said. If you are getting letters, send a certified mail letter to the collector and tell them they have the wrong person. If you can, even after you talk to the collector, send a letter to the debt collectors. Here is anexample:
FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. WHAT DO I DO IF SUED IN THE WRONG COUNTY BY A DEBT COLLECTOR? You can ask the judge to transfer your case to the right county, if you were sued in the wrong one. In Small Claims, you’ll receive a “form answer” to file. When you file your answer, box “A” is where you have been sued in the wrong county. That’s the box you will want to check. In District court, you can file a motion to changethe
MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
WHAT CAN I DO IF I HAVE A DEFAULT JUDGMENT AGAINST ME, BUT Get with a lawyer and find out your best course of action. They will let you know if you can be successful or not. Just remember that vacating the judgment doesn’t mean that the case is over. If you live in Alabama, you can give us a call at 1-205-879-2447, or fill out IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. HOW DO YOU STOP A FORECLOSURE IN ALABAMA? 4 OPTIONS TO Loss mitigation is the general concept of anything that will stop the foreclosure. Here is a list of typical loss mitigation options: Loan modification. Forbearance. Short sale. Deed in lieu of foreclosure. If you are successful in obtaining loss mitigation, then there should beno foreclosure.
"SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I You have 5 options — read about them and also watch a video on them here. You can win the lawsuit and you can also settle the lawsuit. Learn all of your options and then figure out the best one for you. We’ll be glad to help you. Give us a call at 205-879-2447 and let the receptionist know you are being sued or you can fill out ourcontact
IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a SUED BY MIDLAND FUNDING? DISCOVER YOUR FIVE OPTIONS RIGHT NOW. Here’s what we will cover — each of these points is a section heading so you can skim down to find the answer you want. Your timeline to answer the Midland lawsuit. First Option: File Bankruptcy. Second Option: Fight the Midland Funding lawsuit on your own. ThirdOption: Settle the
WHAT CAN I DO IF I HAVE A DEFAULT JUDGMENT AGAINST ME, BUT Get with a lawyer and find out your best course of action. They will let you know if you can be successful or not. Just remember that vacating the judgment doesn’t mean that the case is over. If you live in Alabama, you can give us a call at 1-205-879-2447, or fill out IS IT LEGAL TO CREDIT REPORT ME AS 30 DAYS LATE BEFORE I Some credit reporting agencies and credit bureaus say that if you’re 1 second late, they can mark you as 30 days late. I’ll say this: there are a lot of things in life that I do not know. However, I’m pretty sure that one second isn’t the same as 30 days. Here’s a simple test to give to the cred reporting agency to demonstrate this. HOW DO YOU STOP A FORECLOSURE IN ALABAMA? 4 OPTIONS TO Loss mitigation is the general concept of anything that will stop the foreclosure. Here is a list of typical loss mitigation options: Loan modification. Forbearance. Short sale. Deed in lieu of foreclosure. If you are successful in obtaining loss mitigation, then there should beno foreclosure.
"SHERIFF LEFT ME A NOTE TO CALL ABOUT A LAWSUIT WHAT DO I You have 5 options — read about them and also watch a video on them here. You can win the lawsuit and you can also settle the lawsuit. Learn all of your options and then figure out the best one for you. We’ll be glad to help you. Give us a call at 205-879-2447 and let the receptionist know you are being sued or you can fill out ourcontact
IF YOU WANT A JUDGMENT AGAINST YOU, ADMIT YOU OWE THE DEBT If you want a judgment against you, then admit you owe the debt buyer when you file your answer in Alabama court. You have been sued by a debt collector and you have been served. So now the time is running for you to Answer the lawsuit. You have 14 days in Small Claims or District Court and 30 days in IS THE STATUTE OF LIMITATIONS SOL IN ALABAMA 3 YEARS FOR “Is the statute of limitations in Alabama on a credit card lawsuit 3 years?” If you have been sued in Alabama on a credit card debt — normally by a company such as LVNV, Midland or Portfolio — then you are wondering if the statute of limitations is really 3 years. This is critically important as these debt buyers (debt collectors who claim to buy the debt) almost never sue within 3 years. IF I'VE BEEN SUED BUT SUMMONS LEFT AT DOOR, AM I "SERVED?" You can do that, but it is expensive and time-consuming, and the judge may still say, “No.”. Find out your options, especially if you know you’ve been sued. Now. If we can help you, feel free to call us at 205-879-2447 or fill out our online contact form here. Thanks for watching the video and reading this article. YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a ALABAMA CONSUMER PROTECTION ATTORNEYS JOHN WATTS AND STAN Consumer protection is a vital subject as it can protect all of us — regardless of age, race, wealth, etc. Anyone — rich or poor, educated or not so educated — can be victimized by abusive companies. We have represented folks who are down to their last dollar and we have represented people living in SUED BY SYNCHRONY BANK -- FIND OUT YOUR 5 OPTIONS RIGHT NOW And 30 days in Circuit Court from when Synchrony Bank served you. Third — go through the five options you have. If you live in Alabama and want us to help you think through your options, give us a call at 205-879-2447 or fill out the contact form and we will get right back with you. We have represented thousands of consumers all over Alabama "WHAT IS A CEASE AND DESIST LETTER AND HOW DOES IT HELP ME?" 0:00 / 3:13. Live. •. When you’re dealing with a debt collector, you have the option to send them a cease and desist letter. This letter states that you either refuse to pay the debt, or that you want them to cease communication. When you send that letter, they’re supposed to follow the rules. They may send you one letter that states WHAT APPEAL OPTIONS FROM ALABAMA SMALL CLAIMS OR DISTRICT The simple answer is yes. Whoever loses in small claims or in district court can appeal. Normally whoever loses has 14 days to appeal. The reason is at this lower level of district court or small claims court, we have no right to a jury trial, but at the higher level circuitcourt, we
WHY DID THE COLLECTION LAWYER SEND ME A "CONSENT JUDGMENT A consent judgment is a real judgment and this will haunt you for many years. The collection personnel at a collection lawfirm will minimize the importance of this but a consent judgment is a real judgment. It goes on your credit report. It is listed in the courthouse. When you apply for certain types of credit or other business transactions WHAT TO DO WHEN A COLLECTOR IS COLLECTING ON WRONG PERSON Write down the date, who called, the number, and what you said. If you are getting letters, send a certified mail letter to the collector and tell them they have the wrong person. If you can, even after you talk to the collector, send a letter to the debt collectors. Here is anexample:
FCRA LAWSUIT AGAINST BANK OF AMERICA FOR FALSE CREDIT FCRA lawsuit against Bank of America for false credit reporting. The FCRA (Fair Credit Reporting Act) prohibits false credit reporting of any type. We recently filed a case against Bank of America, Experian, and TransUnion (two of the major credit reporting agencies). You can read the facts below that were alleged in Federal Court but here is a YOUR SURVIVAL GUIDE WHEN SUED BY PORTFOLIO RECOVERY Your Survival Guide When Sued By Portfolio Recovery Associates (PRA) You have been sued in Alabama by Portfolio Recovery Associates (PRA) and you need to know how to survive this in the best possible way. That’s the point and purpose of this “Survival Guide” so read on to learn what to do to survive, and even thrive, when sued. WHAT DO I DO IF SUED IN THE WRONG COUNTY BY A DEBT COLLECTOR? You can ask the judge to transfer your case to the right county, if you were sued in the wrong one. In Small Claims, you’ll receive a “form answer” to file. When you file your answer, box “A” is where you have been sued in the wrong county. That’s the box you will want to check. In District court, you can file a motion to changethe
MARKETING - REPORT - FIVE SECRETS DEBT BUYERS DONT WANT 1 Watts Law Group, PC 205-879-2447 www.alabamaconsumer.com M. Stan Herring, PC 205-714-4443 www.alabamaconsumerlawblog.com FIVE SECRETS DEBT BUYERS DON’T WANT YOU TO KNOW: ALABAMA CONSUMER PROTECTION LAWYERS* Home
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You are here because you live in Alabama, are dealing with a company that is not treating you fairly, and YOU NEED HELP — YOU NEED CONSUMER PROTECTION. > It may be a debt collector who is being abusive> in
> collecting against you or who has sued you.>
> It could be a mortgage company which is illegally threatening to > foreclose on your home> , or maybe it
> already has foreclosed on your home.>
> Perhaps it is false information on your credit report> that
> no one seems willing to fix for you.>
> Often it involves the frustrating and normally illegal robo dialed > calls to your cell phone> .
Whatever the reason you sought help, we are glad you are here because we passionately believe that our purpose as consumer protection lawyers is to help you do two critical things: 1. Understand your rights; and2. Take action.
You see, the collection agencies, credit reporting agencies, mortgage companies, big banks, etc. are counting on two things: _That (1) you don’t know your rights and even if you do know your rights, (2) you won’t do a thing in the world about it. _ Think of it this way – they only have to be right on one of those two assumptions to win. IF YOU DON’T KNOW YOUR RIGHTS, YOU CERTAINLY CAN’T TAKE THE RIGHTACTION.
BUT EVEN IF YOU KNOW YOUR RIGHTS, IF YOU DON’T TAKE ACTION – WHAT GOOD DOES IT DO YOU TO KNOW YOUR RIGHTS? Here’s a perhaps silly metaphor but it will hopefully show why consumer protection must be full of action, not just theory and it must be action based on accurate knowledge. You are sitting in your car. You don’t know where to go so you just step on the accelerator and drive randomly. You’ll “take action” but the odds of getting to the place you need to go to are very low. Now, on the other hand, if you know exactly where to go. You have the best GPS system around. But you never start the car. Does that great knowledge do you any good? Nope — you just sit there. So we don’t want action without knowledge or even knowledge withoutaction.
(Derek Sivers says “If more information was the answer, then we would all be billionaires with perfect abs.” Good point — we do need information but it is not enough — we must addaction!)
ONLY KNOWLEDGE MIXED WITH ACTION IS _ACTUAL POWER_. This website is designed to help you learn more about your rights and to encourage you to take action — when you do this you truly have consumer protection. Prove to these abusive companies that their assumptions about you are wrong and you will fight back against illegal abuse. We don’t mind fighting with these companies – thisis what we do.
Consumer protection is a vital subject as it can protect all of us — regardless of age, race, wealth, etc. Anyone — rich or poor, educated or not so educated — can be victimized by abusivecompanies.
We have represented folks who are down to their last dollar and we have represented people living in multi million dollar homes. We have seen folks who made mistakes and were unfairly abused by others because of those mistakes and we have had folks, for example, who have never been late in their life suddenly have dozens of debt collectors start hounding them due to identity theft. Here’s the bottom line — unless you understand the consumer protection laws AND you take action, you cannot protect yourself. HOW WE CAN HELP YOU IN A CONVENIENT WAY (YOU’LL FIND OUT WE DON’T OPERATE LIKE OTHER LAWYERS AND YOU’LL THANK US FOR THIS) Think about the typical experience with a doctor, accountant, or lawyer which really hasn’t changed SINCE THE TIME WHEN WE ALL RODE HORSES TO GET ANYWHERE. You have a question, so you call hoping to get an answer. _“You must make an in office appointment to get the answer to your question”_ is what you will hear. But its a simple question! Can’t the doctor/accountant/lawyer call me? We have phones after all . . . . Doesn’t matter — have to make an appointment, right? So you make an appointment. Arrange for childcare or taking off fromwork early, etc.
Then on the day of your appointment you drive to the office, find a parking spot (eventually), go in the building and sign in. Then youwait.
And often you wait some more. So you have spent your valuable time (and probably money) and still have nothing to show for it so far. Then the lawyer/doctor/accountant/etc comes out and finally you (hopefully) start to get answers in plain English — not complicatedjargon.
Isn’t there an easier way? Shouldn’t there be an easier way? This is why the “Legalzooms” of the world are so popular because lawyers have made it such a pain to deal with for real people withbusy lives.
_SO HERE’S HOW WATTS & HERRING IS DIFFERENT._ You can certainly schedule an appointment and come into one of our offices (Birmingham or Madison) and meet with us in person. We’ve been doing in office meetings for 20 years. But you don’t have to do this. 90% of all of our appointments are done by phone for new clients, existing clients, former clients, etc. We schedule all phone appointments or video appointments so you don’t waste time driving, parking, walking, waiting, etc. At our appointment time we call you. We are ready to discuss your issues and questions. You’ll be readyalso.
We can swap documents via email, Dropbox, etc. (it is 2017 after all!) so we don’t have to do this in person. You will get answers to your questions. We don’t try to impress you with big words or long convoluted answers — instead we give you direct answers to your questions. You may not always like what we have to say but we will shoot straight with you so you will have a good understanding of your options. (Check out our videos and articles — if you like these, you’ll like talking to us — if not, you should call someone else). Other attorneys think this is crazy — we should make you jump through hoops to “impress you” or intimidate you — we think that is a bunch of garbage. This is not a matter of impressing other attorneys — it is a matter of helping you. If we help you, then you are likely to hire us. If we don’t, then you need to talk withsomeone else.
So when you are ready, let us help you by answering your questions and giving you our thoughts on your options — and we’ll do this in the most convenient way for you. Without you having to drive a buggy to town to sit and wait in our conference room. _Let us help you today._John G. Watts
and Stan Herring
TESTIMONIALS
Matthew Dunaway is a long time bankrupcty and consumer litigation attorney in Birmingham, Alabama, and we have worked together on cases together for many years. Matt was kind enough to say the following: “I have know and worked with John for over ten years. We have worked on numerous cases together. Not only does John bring legal intelligence to the cases he works on, he also brings something quit rare in the legal profession…wisdom. John represents and advises his clients… (Read more) - Bankruptcy Attorney Matthew Dunaway Need Help? Contact Us Here* YouTube
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