Monthly Archives: May 2014

Send your Mortgage Servicer a Qualified Written Request in Alabama – Alabama Consumer Credit Attorney Judson E Crump 4

How do you fix a problem you’re having with your mortgage company?  Most of the time, you can do it without hiring a lawyer or going to court. But if you try to get it done with a quick phone call, you’ll probably just get that familiar message: “We’re experiencing unusually […]

Is a lender or finance company required to tell you why you were denied credit in Alabama? – Alabama Consumer Credit Attorney Judson E Crump

Absolutely.  And they have to tell the truth as well. Whenever you apply for credit – be it an automobile loan, a credit card, a home mortgage, refinance, or any other sort of credit, the Equal Credit Opportunity Act requires the lender to do two things: 1) they must notify […]

Dealing with Requests for Admissions in a Credit Card Lawsuit – Alabama Consumer Credit Attorney Judson E Crump

Proving a credit card debt can actually be a tricky thing if you have serious opposition.  But collection lawyers have a few tricks up their sleeves that you may encounter.  One of the worst is a discovery device called “Requests for Admissions.” What is a request for admissions? A Request […]

Do you need a lawyer or any other professional help to get a Loan Modification? – Alabama Consumer Credit Attorney Judson E Crump

No.  Every mortgage company has its own program for administering requests for mortgage modification or hardship assistance, and most mortgages are serviced by a company that participates in the Making Home Affordable Program that was executed by the Obama administration (but actually created by Congress and George W. Bush just […]

$3100 Alarm System Collection Suit Dismissed at Trial – Alabama Consumer Credit Attorney Judson E Crump 1

  Last week, a client came to me who had been sued by a debt buyer for $3,100.  Allegedly, the debt was based on an old alarm system account that had gone unpaid.  The debt buyer, a smaller outfit called Harbin, LLC, actually brought a corporate officer to court to […]

Fixing Identity Theft, Part Three: When to Hire a Lawyer – Alabama Consumer Credit Attorney Judson E Crump

So you’ve written a dispute to the creditor or debt collector who is asking you to pay money on an account you never opened or for purchases you never made.  And you’ve placed an initial fraud alert on your credit reports and reviewed them and written dispute letters to the […]

Why I defend People From Credit Card Lawsuits – Alabama Consumer Credit Attorney Judson E Crump

I regularly go to court to fight lawsuits against people who legitimately do owe some money to the people suing them. Is that morally acceptable? Is it ethical for me as an attorney? Yes, because being in financial trouble is not a crime. The people I represent have already tried to pay their bills, but their creditors have chosen to sue them instead of make affordable settlement arrangements. By fighting these suits, I send a message that you should consider working with your delinquent customers before taking them to court. Because if you go to court against a well-defended debtor, you may end up with nothing at all.

Moreover, the banks I fight are all based in big cities far away from my community. I consider it a duty to do what I can to keep as much of the hard-earned money of the people of South Alabama as possible right here. Our local businesses need customers whose wages aren’t being shipped out to Delaware or New York. Everyone wins if the justice system isn’t twisted into some giant collection machine.

Dealing with Identity Theft, Part Two: Fixing your Credit Reports – Alabama Consumer Credit Attorney Judson E Crump 2

2.  Contact a Credit Reporting Agency and Place an Initial Fraud Alert If you’ve been the victim of Identity Theft, you are entitled to a free credit report from each of the major credit bureaus.  First, though, you have to place an initial fraud alert with one of the them, […]

How do you respond to identity theft? Part One. – Alabama Consumer Credit Attorney Judson E Crump 2

Identity theft is no joke.  It happens all the time and it will probably happen to you at least once before you die. Identity theft can come in various forms, but the most common (and, fortunately, the least seriously damaging) is when the identity thief somehow obtains enough of your […]