I’m going to file Chapter 13 Bankruptcy, but I don’t want to include my car. Can I do that? No. At least, not unless you have a really compelling reason to do so. I’ll tell you why in a minute. But first, let’s talk about some definitions. As a lawyer, […]
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 […]
Ferry & Nicholas Sends Advertisement Letters to Debtors in Alabama. I believe they may be sending false advertisements. If you have been sued by a debt collector or credit card company in Alabama, you’ve probably received a letter from a company called Ferry & Nicholas. They claim to be “professional […]
Midland Funding, LLC sued my client over an alleged balance due on a Target Credit Card. We went to trial and won. Like a lot of Americans, my client had suffered some financial setbacks that caused her to fall behind on some of her bills. When she was unable to […]
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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.