Monthly Archives: April 2014


How to Handle an FDCPA Validation Request – Alabama Consumer Credit Attorney Judson E Crump

So you’ve sent your FDCPA Validation Request…Now what? Normally, you’ll get a letter with some basic information that says what the collector already told you: that you owed $15,000 to HSBC and they were assigned the account from HSBC and therefore you owe them money.  They may have other information […]


How to Request Validation of a Debt via the Fair Debt Collection Practices Act – Alabama Consumer Credit Attorney Judson E Crump 3

One of the many rights that most people don’t know they have against debt collectors is the right to request validation of the debt. Once a collector starts coming after you for money, they are required to notify you of your right to request proof that you owe them the […]


Who is Calling Me, part 3: Who is Admin Recovery LLC? – Alabama Consumer Credit Attorney Judson E Crump 3

Admin Recovery LLC is a debt buyer based in Valhalla, New York.  They are a 4 on the 10 point scale of debt collector shadiness.  They may not give you their business address or send you anything in writing, even upon demand.  But they do exist and they do report […]


Who is calling me, Part 2: Who is Hunter Warfield? – Alabama Consumer Credit Attorney Judson E Crump

Hunter Warfield is a collection agency based in Tampa, Florida.  They are an 2 on the 10 point scale of debt collector shadiness – they have an actual website and don’t try to hide their business address. The only time I have encountered them they were collecting on an old […]


Another Victory: Beat a $13,000 lawsuit by Midland Funding today. – Alabama Consumer Credit Attorney Judson E Crump

Our continuing efforts to save the families of South Alabama from credit card debt have born another ripe fruit today. In Mobile County Circuit Court Case No. CV-13-901687, I appeared in court today to defend my client from a lawsuit demanding $12,967.43 + $260 Court Costs for an alleged Sears […]


Sued by New Horizons Credit Union? Here’s what to expect: – Alabama Consumer Credit Attorney Judson E Crump

New Horizons Credit Union is an small credit union that does business primarily in Mobile County and Baldwin County, Alabama. I do not bank there, so I cannot say anything about their customer service before you default on a loan, but I have represented clients who have been sued by […]


Even the Jesuits are against Payday Lending – Alabama Consumer Credit Attorney Judson E Crump

I’ve always known that the Society of Jesus was never afraid to stand up against economic injustice, but it is good to see that they’ve recognized the evil that is payday lending. Their article, which you can view at http://www.loyno.edu/jsri/news/six-myths-payday-lending quotes my second favorite Jesuit (after the brilliant Pierre Teilhard […]


Foreclosure Timeline in Alabama Under the New Dodd-Frank Rules – Alabama Consumer Credit Attorney Judson E Crump

The Dodd-Frank Wall Street Reform Act of 2009 did a lot to help ordinary people deal fairly with their lenders and mortgage servicers.  In the bad old days, the only rules that mortgage companies had to comply with were the terms of the contracts they wrote to protect themselves from […]


How to Answer a Debt Collector Phone Call – Alabama Consumer Credit Attorney Judson E Crump

My phone keeps ringing and ringing with calls from numbers I don’t recognize.  I know they’re bill collectors trying to get me to pay some old credit card I used to have.  I don’t really feel like dealing with this crap, but is can I get in trouble for not […]


Who is Calling Me, Part 1: Who is Premium Asset Services? – Alabama Consumer Credit Attorney Judson E Crump 39

Premium Asset Services is a debt buyer based in Santa Ana, California.  They are related to another collection agency called “Worldwide Recovery, LLC.”  In fact, though Premium Asset Services and Worldwide Recovery are two separate corporations, they do seem to share office space and they possibly have common ownership. They […]