Monthly Archives: March 2014


How to read Truth in Lending Act disclosures for an Auto Loan. – Alabama Consumer Credit Attorney Judson E Crump

I’ve written before about how the federal Truth in Lending Act is basically useless in helping people make wise financial decisions.  But don’t take that to mean that I don’t like TILA.  I like it just fine.  It helps my clients fight back against collection lawsuits and mortgage fraud.  It […]


How to Answer a Collection Lawsuit in Alabama – Alabama Consumer Credit Attorney Judson E Crump 2

When you’ve been served with a lawsuit, the most important thing is to take action immediately.  Answer it before the deadline.  How do you answer?  It’s really simple: you just write down your response to the lawsuit on a piece of paper and take it to the clerk of court.  […]


I’ve been Sued by a Collection Agency! What do I do? – Alabama Consumer Credit Attorney Judson E Crump

ANSWER THE COMPLAINT.  Rule #1.  Always, always, always answer the complaint.  ON TIME.  It doesn’t have to be perfect.  It doesn’t even have to be good.  Last week, I literally saw a handwritten note that said: “I deny that I Ow any Mony.”  (Original spelling.) Some illiterate moron handed that […]


Judson’s Guide to Debt Collection Rights, Part IV: Validation and Vindication – Alabama Consumer Credit Attorney Judson E Crump

The Fourth Right: Validation If you’ve ever gotten a collection letter, you’ve seen the following language: Under the Fair Debt Collection Practices Act, which is federal law, we are required to notify you of the following information and rights you have: You have thirty (30) days from the day you […]


You’ve got the Wrong Debtor! – Collection Agencies Often Pursue People Who Don’t Owe – Alabama Consumer Credit Attorney Judson E Crump

Consumer Financial Protection Bureau statistics show that the single biggest generator of consumer complaints against debt collectors are cases of mistaken identity.  Unsurprisingly to those of us who deal with the debt collection industry in a professional capacity, there are a ton of collection agencies who don’t bother to make […]