Recent Articles

Good Or Bad To Sue Abusive Debt Collectors?

John G. Watts & M. Stan Herring

March 12, 2012 23:57

Good people who are harassed by debt collectors sometimes wonder if it is ok or right to sue an abusive debt collector. Sometimes they are told that it is wrong to take action against debt collectors if you owe any money. Sometimes they are told that there is nothing that can be done against debt...

Lawsuit Against LVNV and Northland Group By Alabama Consumer

John G. Watts & M. Stan Herring

March 03, 2012 14:38

You got sued by a debt buyer -- you won. But the debt buyer keeps collecting. Either give up and accept it or fight back. We suggest fighting back is normally the best option. This is what our client did when she was sued by the debt buyer/debt collector LVNV and she won her case. But then...

Alabama Consumer Sues IC System For False Credit Reporting

John G. Watts & M. Stan Herring

March 01, 2012 03:23

You can read about a recent lawsuit that our Alabama consumer filed against the famous debt collection firm IC System out of Minnesota. The allegations include that IC System committed false credit reporting. The moral of this story is to be careful if you are dealing with a collection agency and...

Transcript of Radio Interview About Debt Collectors

John G. Watts & M. Stan Herring

February 28, 2012 13:33

A couple of years ago I was interviewed on the "Steve and Leah Show" -- we talked about debt collectors, harassment, calls to work, how to deal with debt collectors, zombie debt, and credit reports. They were great and if you would like to read the transcript, just click the link above. John...

Access Your Student Loan Information -- Especially If Dealing With Collectors

John G. Watts & M. Stan Herring

February 25, 2012 19:48

One of the best places to start when looking at your student loan issue is exactly what does the National Student Loan Data System (NSLDS) show about your loans which is why we wrote a short article explaining how to access this site. Find out where you are right now on your student loans and then...

Lawsuit Against LVNV and Budzik Law Firm For FDCPA Violations By Alabama Consumer

John G. Watts & M. Stan Herring

February 24, 2012 16:37

Alabama consumers are filing lawsuits against the well known debt buyer and debt collector LVNV Funding for violating the Fair Debt Collection Practices Act (FDCPA). You can read about a recent suit against LVNV and a collection lawfirm called Budzik & Dynia, LLC (out of Chicago) that an Alabama...

What Is A Birmingham, Alabama Foreclosure Defense Lawyer?

John G. Watts & M. Stan Herring

February 23, 2012 15:12

There is a lot of news right now about foreclosures and potentially wrongful foreclosures. More and more lawyers (and non lawyers) are claiming they can help. The non lawyers will give you a "loan audit" or "loan analysis" and tell you all of the laws that were violated in your loan. All of the...

Alabama Foreclosure -- Hire a Lawyer or Handle Yourself?

John G. Watts & M. Stan Herring

February 21, 2012 21:49

We recognize it is a difficult decision when you are facing a foreclosure, or have already been foreclosed, and you have to decide whether to make decisions and take action with a lawyer or without a lawyer. There is no right or wrong answer to every legal issue you face. We do suggest, however,...

Is Your Alabama Foreclosure Illegal? Did You Get Proper Notice?

John G. Watts & M. Stan Herring

February 21, 2012 14:32

You can read the actual opinion and our analysis on a wonderful Alabama Supreme Court order that clearly establishes that, under most mortgages, a letter must be sent to you before the mortgage company accelerates your mortgage. This is something that we have been arguing and that we always...

Can You Sue Chase Credit Card Company For Auto Dialed Calls?

John G. Watts & M. Stan Herring

February 19, 2012 21:26

Yes -- here is an example of Alabama consumers who sued Chase for auto dialed (computer or robo dialed calls) to their cell phones without permission. If you never gave the creditor permission to call your cell phone, or if you revoke permission, then these annoying auto dialed calls can be...