Monthly Archives: November 2014


FRB: Foreclosure Only Drops Your Credit Score By About 6 Points – Alabama Consumer Credit Attorney Judson E Crump

A Foreclosure Does Not Hurt Your Credit Score Nearly as Much as You may Think. Have you ever heard someone tell you that a foreclosure will ruin your credit score?  From a TV Commercial?  A Realtor?  A Banker? They’re wrong. The Federal Reserve Bank of Cleveland undertook a study to […]


Video Q&A: The cleverest corporations that break consumer protection laws: Credit Bureaus – Alabama Credit Attorney Judson E Crump

Alabama Credit Reporting Attorney Judson E. Crump discusses why he thinks credit bureaus are relatively smart businesses to fight in court.

To summarize:

Though the major consumer reporting agencies* make mistakes all the time, actually taking them to court can be tricky because they are specialized in their field and have experience from decades of business and thousands of lawsuits behind them. They know how to deal with FCRA litigation, have very good professional witnesses, and don’t hire bad law firms.

Proceed cautiously, but don’t be intimidated.

*credit bureaus, credit report companies, credit reporters, these all are defined by 15 U.S.C. 1681 – the Fair Credit Reporting Act – as “consumer reporting agencies,” so that is the term I use for them as well.


The Lone Justice Ruling for the People: Scalia? – Alabama Consumer Credit Attorney Judson E. Crump

Koons Buick Pontiac GMC v. Nigh – 543 U.S. 50 (2004).  Proof that Judges aren’t just partisans. The U.S. Supreme Court now has 5 “Republicans” and 4 “Democrats.”  Since I get my knowledge of the world from the TV Channels or internet news sites that disagree with me the least, […]


Where Do We Learn This Stuff?

From November 6 through 8th, I’ll be heading down to Tampa, FL for the National Association of Consumer Advocates‘ annual Consumer Rights Litigation Conference.  It’s going to be awesome.  I mean, look at some of the lecture topics: “Civil Rights Litigation – Getting and Crunching the Data” – for those […]


$8,000 Discover Bank Collection Suit Defeated – Alabama Collection Defense Attorney Judson E. Crump

05-DV-2014-900924 Discover Bank v. Donovan Unlike many of the Visa and Mastercard issuers (except the customer-hating Capital One), Discover Bank rarely sends its delinquent accounts to collection agencies.  Instead, they like to just sue first and ask questions later.  Which is exactly what happened to my client.  But unfortunately for […]