Monthly Archives: July 2014

Who is Ferry & Nicholas? Why you should not hire them. – Alabama Consumer Credit Attorney Judson E Crump

If you have received a letter from a “firm” called “Ferry & Nicholas,” it means that you have been sued by a credit card company or debt collector.  Ferry & Nicholas runs a clever little scheme.  See, they’re not lawyers, which means that they don’t have to comply with the Alabama […]

Can you stop a foreclosure in Alabama without filing bankruptcy? – Alabama Consumer Credit Attorney Judson E Crump 3

Rarely. I realize that there are a number of “law firms” from other states that claim to be able to stop or delay foreclosures without filing bankruptcy.  They are all scams. If you never listen to another word from a foreclosure lawyer, listen to this one: there are three ways to […]

Can my doctor refuse to see me because I didn’t pay a bill that was discharged in bankruptcy? – Alabama Consumer Credit Attorney Judson E Crump 4

Yes, unless it is an emergency.  Nobody can force you to do business with someone you don’t want to do business with, unless you’re trying to discriminate against a protected class.  Debtors are not a protected class.  So yes, doctors can refuse to see you for routine or pre-planned services […]

$19,000 Default Judgment Vacated – Alabama Collection Defense Attorney Judson E. Crump 3

If you are not served with the Summons and Complaint in a collection lawsuit, then a default judgment entered against you in that lawsuit is void.  That was the point I made to the Mobile County Circuit Court at a hearing on my Motion for Relief from a default judgment […]

How to assume a mortgage when the property owner dies (or divorces) – Alabama Consumer Credit Attorney Judson E Crump

When a property encumbered by a mortgage is transferred, most mortgages have a due-on-sale provision that requires you to pay off the entire loan.  This means that even if have the desire and ability to take over the mortgage payments, the bank can prevent you from doing that.  So you have […]