Monthly Archives: September 2014


Debt Collector Pays Mobile, Alabama Woman to Settle FDCPA Lawsuit – Alabama Consumer Credit Attorney Judson E. Crump

Back in October 2013, a Mobile woman came to me with a debt collection lawsuit brought against her by Portfolio Recovery Associates.  She was in dire straits and had no way to pay for a lawyer, but she also could not afford to lose 25% of her wages to a […]


My Bankruptcy Lawyer Sucks: What can I do about it? – Alabama Consumer Bankruptcy Attorney Judson E Crump

Should I fire my bankruptcy lawyer? So an unfortunate reality of life is that when you hire a professional to provide an expensive, specialized professional service, unless you or a really close friend or relative is part of that specialized profession, you have no idea if you’re getting a decent […]


Cost of Chapter 13, Part 2: How Your Lawyer Calculates your Plan Payment – South Alabama Bankruptcy Lawyer Judson E. Crump

Part 2 – How Your Lawyer Calculates Your Chapter 13 Plan Payment   So just how does the lawyer arrive at that number?  Now, as much as I love to warn people about the signs of a bad bankruptcy lawyer, there usually is no pressing need for the lawyer to […]


What does Chapter 13 Bankruptcy Cost? – South Alabama Bankruptcy Lawyer Judson E. Crump 1

The Cost of Chapter 13 Bankruptcy, Part 1.   In 2013, there were 3,223 Chapter 13 bankruptcy cases filed in the Southern District of Alabama. Of those, I would estimate that in only 3,220 of those cases did the debtors have any idea how their Chapter 13 payment was calculated. […]


VIDEO: Loan Modification Scam Litigation – Alabama Foreclosure Attorney Judson E. Crump

You can do something about it. You must take action as soon as you can if you think that you or someone you love has been ripped off by a loan mod scams. You have rights that you may not even know about.

These scams are all over the place. I’ve seen at least three separate outfits that have tried to screw my clients. Most of them seem to be located in Florida, for some reason, but if they’re doing business here, we can absolutely take them to court here.

Even if they have “successfully” obtained a loan modification for you, they still may be breaking the law and harming you (without your knowledge) by committing bank fraud on your behalf. This is serious stuff. If you’re currently paying monthly fees to a “loan mod specialist” who hasn’t obtained a loan modification for you yet, then you need to stop paying them ASAP and ask for a full and immediate refund.

See, they’re not allowed to charge you a dime up front. And they’re also not allowed to instruct you to quit paying your mortgage.

Please don’t fall for these guys! Some examples I’ve seen that break the MARS rule:

  • Ocean Legal Group
  • Fresh Start “law firm”
  • Pinepoint law group

Notice a pattern?  They all pretend to be lawyers, when they’re not.


Who is Calling Me: Valentine & Kebartas 2513005452 – Alabama FDCPA Lawyer Judson E Crump

Valentine & Kebartas Harassing Phone Calls from Local number (251)300-5452 So here’s a relatively new trick I’ve seen: out of state debt collectors using local cell numbers to call you.  If you’re being hounded by debt collectors, you’ve probably learned to avoid 1-800 numbers and 1-888 numbers.  But if you […]


VIDEO: Foreclosure Rescue Scams – Alabama Foreclosure Attorney Judson E Crump

Sale Leaseback Scams and Foreclosure Rescue Scams are two types of scams that are popular when housing markets are doing well. Why? Because they prey on struggling people who have a substantial amount of equity in their homes. Particularly old people.

They’re really evil, but you can absolutely do something about it, as long as you take action as soon as possible, preferably within a year.

If you have older relatives who have been screwed by these sorts of deals, it is important to gather all of the paperwork as quickly as you can and call a lawyer to fix the problem.


In terms of food, housing and other essentials, the cost of being poorhas always been exorbitant. Landlords, grocery stores and other commercial enterprises have all found ways to profit from those at the bottom of the ladder…

In addition to probation, municipal court systems are also turning collections over to a national network of companies like Sentinel that profit from service charges imposed on the men and women who are under court order to pay fees and fines, including traffic tickets (with the fees being sums tacked on by the court to fund administrative services).

When they cannot pay these assessed fees and fines – plus collection charges imposed by the private companies — offenders can be sent to jail. There are many documented cases in which courts have imprisoned those who failed to keep up with their combined fines, fees and service charges.

“These companies are bill collectors, but they are given the authority to say to someone that if he doesn’t pay, he is going to jail,” John B. Long, a lawyer in Augusta, Ga. active in defending the poor, told Ethan Bronner of The Times.”

 

http://www.nytimes.com/2014/08/27/opinion/thomas-edsall-the-expanding-world-of-poverty-capitalism.html


VIDEO: Do these people actually help you get a loan mod? Or are they just scams? Alabama Foreclosure Attorney Judson E. Crump

Answer: Most of them are scams. Here’s how you know: 1) They promise legal advice, or pseudo-legal advice. “Forensic audits” are a big keyword they like to use.

2) They promise to stop a foreclosure without bankruptcy, unless they’re very experienced lawyers located in your county. Why? You can’t stop a foreclosure without a bankruptcy or TRO in Alabama.

3) Up Front fees. Or advising you to quit paying your mortgage company and start paying them instead. Use common sense. Call a real lawyer.