The Credit Industry Lobby has Succeeded in Convincing the Alabama Legislature to Make it Easier to Sue Customers. Once again, a big business lobby has convinced some of the fools in Montgomery to propose a bill that would help the huge-money finance industry at the expense of ordinary working people. […]
If you’ve defaulted on a credit card, how long can the bank wait to sue you? Believe it or not, this is a surprisingly complex question. In most lawsuits, the statute of limitations is simple. Car wreck cases have to be filed within two years. Ala. Code Sec. 6-2-38(l). So […]
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 […]
Credit Associates advertises debt settlement services on TV and Radio. Are they a scam? I suspect that this outfit may be a scam, and I want to hear from anyone who has experience with them. I saw this television advertisement recently: A serious man in a business suit stares grim-faced at […]
You should review your credit card statement every month. If you see charges that you do not recognize, here is what to do. Identity theft is becoming more common than ever. It seems that every few weeks, another massive security breach is revealed on the news. And identity theft can […]
We went to Court on Two Collection Suits in June. We won both. One of our clients was sued by Atlantic Credit and Finance Special Finance Unit, LLC. Isn’t that a ridiculous name for a business? I suppose they have to keep creating corporate entities to keep things complicated. These […]
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
If someone owes you money, you cannot wait forever to take them to court. The law places a time limit on every lawsuit. It’s called the Statute of Limitations. And the Statutes of Limitation exist for good reasons. Evidence gets lost. Memories fade. People move on with their lives. Business would […]
One of our clients was sued by CACH, LLC, a debt buyer seeking to collect $2463 on an alleged credit card owed to GE Capital Retail Bank (GECRB) for an HHGregg Credit Card. We went to trial and defeated the lawsuit at trial in the District Court of Mobile County, Alabama. […]