Collection Abuse


Buy-Here-Pay-Here Repossessions – Alabama Consumer Rights Lawyer Judson E. Crump

Has your vehicle been repossessed by a Buy-Here-Pay-Here dealership? Repossessions are hard on folks.  You’ve lost your car.  You’ve lost the money that you’ve put into it.  Your credit has taken a hit.  Maybe your neighbors or co-workers witnessed the whole thing and it’s embarrassing.  Simply getting a car repossessed […]


“Asset Recovery Associates” sued for FDCPA and Fair Credit Violations

Financial Credit Service, Inc., also known as “Asset Recovery Associates, Inc.” has been sued in Alabama for violating the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Our client is a recently retired docks worker.  He has good credit, good income, and has made it a practice of […]


How to Vacate a Default Judgment – Alabama Consumer Defense Attorney Judson E. Crump

Once a judgment is entered against you, the law presumes that it is valid, and there are only a few ways to undo the judgment.  Here’s how. First, know that judgments are always presumed valid once entered, and the law generally favors finality of judgments.  This means that if you […]


A New Scam: “Debt Validation Services!” – Alabama Consumer Rights Attorney Judson E. Crump 1

There’s a new scam in town!  It’s called “Debt Validation.” While the life of a consumer protection lawyer can be riveting, it isn’t every day that you see the birth of an entirely new scion of the American scam industry.  Well, today was my lucky day.  I got a call from […]


Reversing a $7,000 Bank Account Garnishment – Alabama Consumer Rights Lawyer Judson E. Crump

Midland Funding Garnished Over $7,000 from my Client’s Checking Account.  Here is how we fixed it. Mr. Carter had a few unpaid accounts he wanted help resolving, so he went to a local credit repair organization.  They attempted to negotiate with some of his creditors on his behalf, including Midland Funding, who […]


Can the Repo Man Do That? The Law on Repossessions. – Alabama Consumer Protection Attorney Judson E. Crump 61

About a million cars are repossessed each year in the United States.  Many of these are illegal, though most debtors (and a lot of repo agencies) don’t know it.  So just what makes a repossession illegal in Alabama? Breach of the Peace. A secured creditor can only repossess their collateral […]


Harassing Communications in Alabama – Consumer Protection Attorney Judson E. Crump

So you’re getting phone calls that are bogus and offensive.  Are they legally “Harassing Communications?” Like many states, Alabama has a criminal statute that bans certain types of harassing communications.  The statute says this: Ala. Code Sec. 13A-11-8(b) A person commits the crime of harassing communications if, with intent to […]


What Makes a Debt Collection Call Illegal? – Alabama Consumer Credit Attorney Judson E. Crump 1

Are You Getting Harassing Telephone Calls From Debt Collectors?  They Might Be Illegal! Sure, a bona fide creditor has a right to ask you for payment, but when do good faith collection efforts end and illegal harassment begin? There are basically two ways that a phone call can be illegal: The […]


Who is Convergence Receivables? – Alabama Consumer Credit Lawyer Judson E. Crump 1

Have you received a lawsuit summons from Convergence Receivables, LC?  Who are they?  What do they want?

 

Hey folks.  I am Judson Crump, an Alabama consumer protection lawyer.  One of my specialties is defending people who have been sued by companies they’ve never heard of.  One such company is Convergence Receivables, LC.

Convergence Receivables, LC is a debt buyer.  This means that they purchase old charged off accounts from banks, credit card companies, auto finance companies, or other creditors, and then try to collect them.  Sometimes, you may never get a phone call, letter, or any contact whatsoever from a debt buyer, then WHAM!  You get a lawsuit demanding thousands of dollars.

To make things worse, a lot of times, debt buyer lawsuits don’t even bother to explain why they think you owe them so much money.  They just hope that you don’t answer the complaint and they can get a default judgment and try to garnish your wages or bank account.  Or scare you into paying them.

The most important thing to remember about debt buyer lawsuits is that even if you really did owe money to someone in the past, that doesn’t automatically mean that any collector who comes along can get it from you.  Here’s why:

Imagine if you borrowed $100 from your friend, Will.  You admit that you owe Will $100, but you can’t pay him right now because work is slow and you have 3 kids.

One day, as you are walking into work, a guy named Bubba comes up to you and says “Give me $100.”  What would you say?

“Hell no, I’m not giving you $100.”

“You owe Will $100 and I paid Will $5 for your debt.  So give me $100.”

“I want some proof.”

Well, that’s the problem.  Anyone claiming to sue on behalf of another must prove not just that the money was owed, but that they have the right to the money.

So if you get sued by Convergence Receivables, LC, or some other debt buyer, you don’t have to file bankruptcy, and you may have a good chance at beating them in court and saving thousands.

The key is to call a lawyer with experience fighting these sorts of cases.  I’ve beaten dozens of collection lawsuits.

If you live in Alabama and are facing a lawsuit or abusive collection tactics by Convergence Receivables, then call me at 251.272.9148.