Monthly Archives: June 2014


Does Filing Bankruptcy Cut off your Power and water? – Alabama Consumer Credit Attorney Judson E Crump

No.  The filing of a bankruptcy does not allow utilities to cut off their services.  Nor does it allow you to keep using those utilities without paying for them.  In most situations, the filing of a bankruptcy has no effect on your utility bills.  You keep using the services, you […]


How to Cancel Private Mortgage Insurance (PMI) – Alabama Consumer Credit Attorney Judson E Crump 1

Private Mortgage Insurance (PMI, as it is affectionately abbreviated) is one of the many features of the “new” housing market.  For those of you who don’t know, PMI is basically an additional fee that is charged to a borrower who cannot afford to make a 10% or 20% down payment […]


What to do if your Credit Application is Denied? – Alabama Consumer Credit Attorney Judson E Crump

I remember the first time I applied for a credit card.  I wanted to buy my school books on Amazon.com, and they had this big banner on the website that said I could get a 10% discount if I bought my stuff with their Amazon.com credit card.  So I clicked […]


Who’s suing you, Part IV: Who is Cavalry SPV I, LLC? – Alabama Consumer Credit Attorney Judson E Crump 7

Cavalry SPV I, LLC is a fairly standard debt buyer.  They purchase old accounts that have been charged off to loss by the original creditor.  I have fought Cavalry SPV I, LLC in court before.  On August 27, 2013, I tried the case “Cavalry SPV I, LLC v. Andry” in […]


How to Avoid Getting Defrauded by a Mortgage Company – Alabama Consumer Credit Attorney Judson E Crump

Sometimes mortgage servicers charge people money they don’t owe.  Yea, it happens.  Sometimes it happens by mistake.  Despite being huge, well-funded, and advised by hundreds of different corporate lawyers, mortgage servicers can and do screw up sometimes.  They may apply a payment to the wrong account.  They may charge you for […]


Beat Midland Funding (Again) – $2,000 collection lawsuit in Baldwin County – Alabama Consumer Credit Attorney Judson E Crump 3

On Friday, May 30th, I tried another collection lawsuit against Midland Funding – this time in Baldwin County, at the Fairhope Courthouse.  For those who aren’t familiar with Alabama’s largest county, Baldwin County actually has three separate courthouses.  The main one in Bay Minette is at the northern end of […]


Credit Card Aggression Ratings 2014, Continued: The Best Credit Cards to Have if you Fall Behind on Payments – Alabama Consumer Credit Attorney Judson E Crump

(Continued from Page 1) 4.  Local Credit Unions.  Varies from 4 to 9 out of 10. Smaller credit unions who issue credit cards are usually pretty tough to beat in court, mostly because they’re local and they can drive a witness there to prove their case against you, rather than […]


Credit Card Aggression Ratings 2014: Which Credit Cards are the Most Aggressive when you miss payments? Which are the most lenient? – Alabama Consumer Credit Attorney Judson E Crump

How you can expect to be treated if you fall behind on a credit card bill varies widely depending on what company you’re dealing with.  I cannot claim to have dealt professionally with every company out there, but I have encountered enough to know what to expect with most of […]